{"id":2781,"date":"2017-10-20T12:21:58","date_gmt":"2017-10-20T12:21:58","guid":{"rendered":"https:\/\/www.atoabogados.com\/?p=2781"},"modified":"2017-10-20T12:21:58","modified_gmt":"2017-10-20T12:21:58","slug":"tribunal-supremo-declara-improcedente-la-apreciacion-cosa-juzgada-ejecucion-hipotecaria","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=2781","title":{"rendered":"Tribunal Supremo declara improcedente la apreciaci\u00f3n de cosa juzgada en ejecuci\u00f3n hipotecaria"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]<\/p>\n

El Tribunal Supremo ampara a los consumidores y sienta jurisprudencia en excepci\u00f3n de la cosa juzgada.<\/strong><\/h5>\n

Antecedentes<\/strong><\/p>\n

Una pareja pierde dos propiedades en Bilbao, sobre las que hab\u00eda solicitado un pr\u00e9stamo hipotecario por no poder hacer frente al pago de cuatro cuotas en el a\u00f1o 2008. La entidad prestamista, despacha ejecuci\u00f3n hipotecaria<\/strong> y en el a\u00f1o 2010 consigue subastar esas dos viviendas.<\/p>\n

Los afectados interpusieron demanda a la entidad despu\u00e9s de la ejecuci\u00f3n, pidiendo la nulidad por abusividad<\/strong> de las cl\u00e1usulas relativas a los intereses moratorios y el vencimiento anticipado. Al haberse efectuado la subasta de los inmuebles, se hac\u00eda imposible la anulaci\u00f3n de la ejecuci\u00f3n, solicitando por ello, una indemnizaci\u00f3n por da\u00f1os y perjuicios.<\/p>\n

En Primera Instancia, el Juzgado declara la nulidad de las cl\u00e1usulas y condena a la entidad al pago de una indemnizaci\u00f3n<\/strong> a los prestatarios. Esta resoluci\u00f3n fue recurrida por la prestamista, d\u00e1ndole la raz\u00f3n la Audiencia Provincial de Bizkaia, argumentando que se apreciaba la excepci\u00f3n de cosa juzgada. Esgrim\u00eda la AP que los prestatarios debieron haberse opuesto a la ejecuci\u00f3n hipotecaria con tales pretensiones de nulidad por cl\u00e1usulas abusivas o haber ejercitado las acciones de nulidad en un procedimiento antes.<\/p>\n

Resoluci\u00f3n del Alto Tribunal<\/strong><\/p>\n

Ante esta Sentencia, los perjudicados interpusieron un recurso extraordinario por infracci\u00f3n procesal ante el Tribunal Supremo. Y es ahora cuando resuelve el Alto Tribunal amparando a estos consumidores, entendiendo que existe improcedencia en la apreciaci\u00f3n de cosa juzgada\u00a0<\/strong>ya que en el momento en el que se dio el procedimiento de ejecuci\u00f3n hipotecaria no exist\u00eda la posibilidad procesal para realizar una oposici\u00f3n basada en la abusividad de las cl\u00e1usulas contractuales.<\/p>\n

Y es que, por un lado, en la fecha de la ejecuci\u00f3n hipotecaria, a\u00f1o 2008, a\u00fan no exist\u00eda jurisprudencia del Tribunal de Justicia de la Uni\u00f3n Europea que declarara la obligaci\u00f3n del juez nacional de examinar de oficio la validez de las cl\u00e1usulas de los contratos concertados con consumidores. Siendo esta jurisprudencia, precisamente la que motiv\u00f3 la reforma del a\u00f1o 2013 de la Ley de Enjuiciamiento Civil que permiti\u00f3 la posibilidad a los ejecutados de oponerse bas\u00e1ndose en la existencia de cl\u00e1usulas abusivas en los contratos de pr\u00e9stamo.<\/p>\n

Por fin, esta Sentencia del Alto Tribunal protege al consumidor, impidiendo que el reconocimiento de derechos, a trav\u00e9s de la jurisprudencia comunitaria y la reforma de la legislaci\u00f3n nacional, pueda cercenar su defensa si sufri\u00f3 una ejecuci\u00f3n hipotecaria anterior a dichas modificaciones. En palabras de los Magistrados, \u201cSer\u00eda parad\u00f3jico que una medida destinada a la protecci\u00f3n del consumidor, como es un control de oficio de la abusividad contractual, pudiera acabar perjudic\u00e1ndole si no se ejerce por el Tribunal\u201d.<\/p>\n

Desde ATO Abogados SLP aconsejamos que, de encontrarse en un procedimiento de ejecuci\u00f3n hipotecaria, se deje asesorar por un especialista, ya que es posible oponerse y paralizar dichos procedimientos.<\/strong>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_column_text] El Tribunal Supremo ampara a los consumidores y sienta jurisprudencia en excepci\u00f3n de la cosa juzgada. Antecedentes Una pareja […]<\/p>\n","protected":false},"author":1,"featured_media":2780,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[8,105],"tags":[11,18,20,104,49],"class_list":["post-2781","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-derecho-bancario","category-oposicion-ejecucion-hipotecaria","tag-abogado","tag-demandar","tag-huelva","tag-oposicion-ejecucion-hipotecaria","tag-tribunal-supremo"],"yoast_head":"\nTribunal Supremo declara improcedente la apreciaci\u00f3n de cosa juzgada en ejecuci\u00f3n hipotecaria - Ato Abogados<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/staging.atoabogados.com\/?p=2781\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tribunal Supremo declara improcedente la apreciaci\u00f3n de cosa juzgada en ejecuci\u00f3n hipotecaria\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_column_text] El Tribunal Supremo ampara a los consumidores y sienta jurisprudencia en excepci\u00f3n de la cosa juzgada. 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