{"id":4034,"date":"2019-08-02T10:09:26","date_gmt":"2019-08-02T10:09:26","guid":{"rendered":"https:\/\/www.atoabogados.com\/?p=4034"},"modified":"2019-08-02T10:09:26","modified_gmt":"2019-08-02T10:09:26","slug":"anulada-en-huelva-clausula-suelo-de-mare-nostrum","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=4034","title":{"rendered":"Anulada en Huelva cl\u00e1usula suelo de MARE NOSTRUM"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]El Juzgado de Primera Instancia N\u00ba 6 bis de <strong>Huelva<\/strong> ha <strong>estimado \u00edntegramente<\/strong> la demanda presentada por letrados de <strong>ATO Abogados<\/strong>\u00a0en representaci\u00f3n de un consumidor onubense contra la entidad <strong>Banco MARE NOSTRUM.<\/strong><\/p>\n<p>En diciembre de 2009, el cliente suscribi\u00f3 escritura de pr\u00e9stamo hipotecario con la entidad, que conten\u00eda una <strong>cl\u00e1usula suelo<\/strong>\u00a0que limitaba el tipo de inter\u00e9s m\u00ednimo variable al <strong>3.50%<\/strong> nominal anual.<\/p>\n<p>Se interpuso demanda solicitando la <strong>nulidad<\/strong> de dicha cl\u00e1usula y la <strong>devoluci\u00f3n de cantidades<\/strong> pagadas de m\u00e1s, aduciendo que la referida cl\u00e1usula no fue objeto de negociaci\u00f3n, trat\u00e1ndose de contratos de adhesi\u00f3n, cuyo contenido ha sido redactado previa y unilateralmente por la entidad financiera.<\/p>\n<p><strong>Condici\u00f3n de consumidor<\/strong><\/p>\n<blockquote><p>La entidad manifest\u00f3 <strong>oposici\u00f3n<\/strong>, alegando primero que el demandante carec\u00eda de condici\u00f3n de <strong>consumidor<\/strong>. Sin embargo, aunque el cliente figuraba como administrador de una sociedad, no se acredita de forma alguna que el pr\u00e9stamo estuviera relacionado con dicha entidad.<\/p><\/blockquote>\n<p><strong>Cl\u00e1usula impuesta, condici\u00f3n general de la contrataci\u00f3n, que no supera el control de transparencia.<\/strong><\/p>\n<blockquote><p>Para la jueza, se trata de una <strong>cl\u00e1usula impuesta\u00a0<\/strong>donde no se demuestra la <strong>negociaci\u00f3n<\/strong> individual de la misma\u00a0y, por tanto, concurren todos los requisitos exigidos por la jurisprudencia del Tribunal Supremo, para considerar que dicha cl\u00e1usula es una <strong>condici\u00f3n general de la contrataci\u00f3n<\/strong>.<\/p>\n<p>Adem\u00e1s, se demuestra la <strong>falta de transparencia<\/strong> por informaci\u00f3n insuficiente, provocando un <strong>vicio en el consentimiento<\/strong> del consumidor derivada de la ausencia de negociaci\u00f3n.<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p><span style=\"background-color: #ffffff;\">Por tanto, aplicando la doctrina del Tribunal Supremo, procede declarar la <strong>nulidad<\/strong> de la referida cl\u00e1usula suelo, por <strong>abusiva<\/strong>, y condenar a la entidad a\u00a0<\/span><span style=\"background-color: #ffffff;\">restituir al consumidor las <\/span><strong style=\"background-color: #ffffff;\">cantidades<\/strong><span style=\"background-color: #ffffff;\"> que haya pagado de m\u00e1s como consecuencia de la aplicaci\u00f3n de la cl\u00e1usula suelo, desde el momento de celebraci\u00f3n del contrato, y a recalcular y rehacer el <strong>cuadro de amortizaci\u00f3n<\/strong> del pr\u00e9stamo sin dicha cl\u00e1usula suelo, m\u00e1s los <\/span><strong style=\"background-color: #ffffff;\">intereses legales<\/strong><span style=\"background-color: #ffffff;\"> desde la fecha de cada cobro.<\/span>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]El Juzgado de Primera Instancia N\u00ba 6 bis de Huelva ha estimado \u00edntegramente la demanda presentada por letrados de ATO [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4038,"comment_status":"closed","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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