{"id":3610,"date":"2018-12-12T15:24:12","date_gmt":"2018-12-12T15:24:12","guid":{"rendered":"https:\/\/www.atoabogados.com\/?p=3610"},"modified":"2018-12-12T15:24:12","modified_gmt":"2018-12-12T15:24:12","slug":"audiencia-provincial-huelva-desestima-recurso-de-bbk-cajasur-y-anula-clausula-suelo","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=3610","title":{"rendered":"Audiencia Provincial Huelva desestima recurso de BBK CAJASUR y anula cl\u00e1usula suelo sobre pr\u00e9stamo cancelado"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]La Audiencia Provincial de Huelva da la raz\u00f3n a consumidor onubense afectado por cl\u00e1usula suelo del 3,50% en <strong>contrato de pr\u00e9stamo hipotecario<\/strong> <strong>ya cancelado<\/strong>, desestimando el recurso de apelaci\u00f3n de la entidad bancaria BBK CAJASUR.<\/p>\n<p>La Sala se\u00f1ala que<em> \u00ab<strong>la acci\u00f3n que se ejercita es de nulidad radical por haber insertado e impuesto al consumidor una cl\u00e1usula cuyo contenido resulta abusivo. No hace valer la parte apelante ni excepci\u00f3n de caducidad, ni de prescripci\u00f3n extintiva, sino que entiende que falta la acci\u00f3n, cuando como es m\u00e1s que sabido la acci\u00f3n procesal nace y acompa\u00f1a a una pretensi\u00f3n l\u00edcita, es decir, a un derecho o a un inter\u00e9s leg\u00edtimo que la parte quiera hacer valer ante los Tribunales; y el inter\u00e9s y el derecho de la parte actora es evidente ya que lo que reclama es la restituci\u00f3n de las cantidades que en su d\u00eda fueron indebidamente cobradas por aplicaci\u00f3n de una cl\u00e1usula que reputa il\u00edcita. No existe apoyo legal alguno para el alegato de la parte seg\u00fan el cual la cancelaci\u00f3n del pr\u00e9stamo tiene alguna clase de incidencia en el derecho a reclamar la restituci\u00f3n de las cantidades o la indemnizaci\u00f3n por los perjuicios econ\u00f3micos padecidos como consecuencia de la aplicaci\u00f3n de una cl\u00e1usula de esta naturaleza.\u201d<\/strong><\/em><\/p>\n<p>As\u00ed pues se\u00a0confirma la Sentencia de Juzgado de Primera Instancia n\u00ba6.<\/p>\n<ul>\n<li>Se declara la <strong>nulidad<\/strong>, por tener el car\u00e1cter de abusivo, de la cl\u00e1usula limitativa del inter\u00e9s variable que se contiene en la estipulaci\u00f3n CUARTA del contrato de pr\u00e9stamo hipotecario celebrado entre las partes mediante escritura p\u00fablica de septiembre de 2009, y que establece un tipo m\u00ednimo de inter\u00e9s de un 3,50% debiendo ser <strong>eliminada<\/strong> del contrato de pr\u00e9stamo indicado.<\/li>\n<li>Se condena a la entidad BBK BANK CAJASUR a abonar al cliente los intereses cobrados en exceso por la aplicaci\u00f3n de la referida cl\u00e1usula suelo con sus intereses, cuant\u00eda que se determinar\u00e1 en ejecuci\u00f3n de sentencia.<\/li>\n<li>Se condena a la entidad a <strong>recalcular y rehacer<\/strong>,excluyendo la cl\u00e1usula suelo, el <strong>cuadro de amortizaci\u00f3n<\/strong> del pr\u00e9stamo hipotecario a inter\u00e9s variable objeto de esta demanda, que regir\u00e1 en lo sucesivo, contabilizando el capital que efectivamente debi\u00f3 ser amortizado<\/li>\n<li>Con expresa condena en <strong>costas<\/strong> a la parte demandada.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]La Audiencia Provincial de Huelva da la raz\u00f3n a consumidor onubense afectado por cl\u00e1usula suelo del 3,50% en contrato de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3614,"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 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