{"id":869,"date":"2020-05-07T11:03:49","date_gmt":"2020-05-07T11:03:49","guid":{"rendered":"https:\/\/www.muntlaw.com\/?p=869"},"modified":"2020-05-07T11:03:49","modified_gmt":"2020-05-07T11:03:49","slug":"reclamar-la-clausula-irph-advocats-barcelona","status":"publish","type":"post","link":"https:\/\/muntlaw.com\/en\/reclamar-la-clausula-irph-advocats-barcelona\/","title":{"rendered":"QU\u00c8 \u00c9S I COM RECLAMAR LA CL\u00c0USULA IRPH"},"content":{"rendered":"

A MUNTLAW\u00a0ADVOCATS<\/strong> som especialistes en Dret Bancari i podem ajudar-lo a reclamar la cl\u00e0usula\u00a0IRPH<\/strong>\u00a0aconseguint la devoluci\u00f3 dels seus diners.<\/p>\n

\u00cdNDEX<\/strong><\/span><\/p>\n

    \n
  1. \u00bfQu\u00e8 \u00e9s el IRPH?<\/a><\/strong><\/li>\n
  2. Nul\u00b7litat de la cl\u00e0usula IRPH<\/a><\/strong><\/li>\n
  3. Interessos abusius de la banca<\/a><\/strong><\/li>\n
  4. Sent\u00e8ncia del 3 de mar\u00e7 2020<\/a><\/strong><\/li>\n
  5. Com reclamar la cl\u00e0usula IRPH<\/a><\/strong><\/li>\n<\/ol>\n

     <\/p>\n

     <\/p>\n

    QU\u00c8 \u00c9S EL\u00a0IRPH?<\/strong><\/h2>\n

    El\u00a0\u00cdndex de Refer\u00e8ncia de Pr\u00e9stecs Hipotecaris (IRPH)<\/strong>\u00a0\u00e9s un tipus d’inter\u00e8s legal reconegut pel Banc d’Espanya per a calcular el r\u00e8dit de pr\u00e9stecs i cr\u00e8dits.<\/p>\n

    M\u00e9s d’un mili\u00f3 de consumidors afectats per aquest \u00edndex que sempre ha tingut un tipus d’inter\u00e8s molt m\u00e9s elevat que per exemple l’altre tipus utilitzat majorit\u00e0riament durant aquesta d\u00e8cada, l’EURIBOR<\/strong><\/a>, i que durant molts anys han anat acumulant milers i milers d’euros abonats de m\u00e9s en concepte d’interessos de la hipoteca.<\/p>\n

    NUL\u00b7LITAT DE LA CL\u00c0USULA\u00a0IRPH<\/strong><\/h2>\n

    El passat 3 de mar\u00e7 de 2020 el Tribunal de Just\u00edcia de la Uni\u00f3 Europea va dictar una sent\u00e8ncia en la qual ha establert que\u00a0el IRPH\u00a0ha de sotmetre’s al control de transpar\u00e8ncia, la qual cosa, de no superar aquest control, pot portar a declarar nul\u00b7la la cl\u00e0usula hipotec\u00e0ria que estableixi el\u00a0IRPH\u00a0com a \u00edndex de refer\u00e8ncia.<\/p>\n

    Amb la declaraci\u00f3 de nul\u00b7litat, basada en el fet que no es va informar adequadament el consumidor, ni amb la deguda transpar\u00e8ncia i antelaci\u00f3 sobre les caracter\u00edstiques d’aquest \u00edndex, la banca haur\u00e0 de retornar al consumidor afectat aquest exc\u00e9s d’interessos substituint, a m\u00e9s, aquest \u00edndex amb l’EURIBOR, que \u00e9s menys oner\u00f3s.<\/p>\n

    INTERESSOS ABUSIUS DE LA BANCA<\/strong><\/h2>\n

    Des de fa ja uns quants anys \u00e9s p\u00fablic i notori que el Tribunal de Just\u00edcia de la Uni\u00f3 Europea<\/strong> ve reconeixent als consumidors una especial protecci\u00f3 davant els continus abusos que havia perpetrat el sector de la banca a Espanya durant la primera d\u00e8cada d’aquest nou mil\u00b7lenni.<\/p>\n

    Sent\u00e8ncies del\u00a0TJUE\u00a0com la del 21 de desembre de 2016, referent a les cl\u00e0usules sol, o les Actuacions del mateix\u00a0TJUE\u00a0dictats en data de 3 juliol de 2019 referents a la cl\u00e0usula del venciment anticipat, han obligat al Tribunal Suprem i a les altres inst\u00e0ncies inferiors a reformular la seva visi\u00f3 i incorporar aquestes Sent\u00e8ncies favorables als interessos del consumidor en la seva interpretaci\u00f3 del dret.<\/p>\n

    En definitiva, el\u00a0IRPH\u00a0ha provocat que, durant anys, el consumidor hagi pagat a la banca interessos hipotecaris excessius<\/strong>.<\/p>\n

    CANVIS ARRAN DE LA SENT\u00c8NCIA DEL 3 DE MAR\u00c7 DE 2020<\/strong><\/h2>\n

    – Perqu\u00e8 els bancs no advertien que el\u00a0IRPH\u00a0era un \u00edndex amb una perspectiva de futur molt pitjor que la de l’EURIBOR?.<\/p>\n

    – Perqu\u00e8 els bancs durant anys i anys no van informar els seus clients sense formaci\u00f3 financera de quin era el funcionament del\u00a0IRPH\u00a0que componia el cr\u00e8dit hipotecari que arrossegarien durant la resta de les seves vides<\/p>\n

    – Perqu\u00e8 els bancs no oferien diferents alternatives en les seves hipoteques i en canvi s\u00ed que venien el que en aquest moment interessava a la seva entitat?<\/p>\n

    S\u00f3n preguntes que durant molt de temps han estat surant en l’aire, sense que des de la Just\u00edcia espanyola es pogu\u00e9s donar una resposta favorable als consumidors afectats.<\/p>\n

    Fins al 3 de mar\u00e7 de 2020, data de la Sent\u00e8ncia, la Doctrina del Tribunal Suprem sostenia que el\u00a0IRPH\u00a0no podia declarar-se abusiu, i evidentment les inst\u00e0ncies inferiors seguien, excepte estrany\u00edssimes excepcions contracorrent, aquest criteri, suposant una situaci\u00f3 de desemparament absolut per a un grup molt important de consumidors que havien estat v\u00edctimes d’una estrat\u00e8gia de venda dels bancs en detriment dels seus diners.<\/p>\n

    Aix\u00f2 va ser aix\u00ed fins que el Jutge del Jutjat de Primera Inst\u00e0ncia n\u00fam. 38 de Barcelona, va plantejar una s\u00e8rie de q\u00fcestions prejudicials a la Just\u00edcia Europea, en el marc d’un litigi de nul\u00b7litat per\u00a0abusivitat de l’\u00edndex\u00a0IRPH.<\/p>\n

    Arran d’aquestes q\u00fcestions plantejades, en data 3 de mar\u00e7 de 2020, el Tribunal de Just\u00edcia de la Uni\u00f3 Europea va dictar Sent\u00e8ncia en la qual es va establir unes conclusions que modifiquen substancialment els criteris dels Tribunals espanyols quant a la doctrina que hi havia fins al moment de la nul\u00b7litat de l’\u00edndex\u00a0IRPH\u00a0en consumidors.<\/p>\n

    Aix\u00f2 ha donat lloc al fet que pogu\u00e9s declarar-se la nul\u00b7litat d’aquest, aix\u00f2 s\u00ed revisant cas per cas la possible nul\u00b7litat per\u00a0abusividad\u00a0del banc en cas que no s’haguessin complert les exig\u00e8ncies de bona fe, equilibri i transpar\u00e8ncia en la comercialitzaci\u00f3 que imposa la Directiva Europea 93\/13.<\/p>\n

    De tot aix\u00f2 ha resultat la possible implantaci\u00f3 de l’Euribor com a tipus regulador de la hipoteca i a poder realitzar la reclamaci\u00f3 de quantitats de forma totalment retroactiva, \u00e9s a dir sense limitacions en el temps.<\/p>\n

    COM RECLAMAR LA CL\u00c0USULA\u00a0IRPH<\/strong><\/h2>\n

    Avui dia, estem observant com les Sent\u00e8ncies dels Tribunals Espanyols ja s’estan adaptant als criteris del\u00a0TJUE\u00a0i resolen de manera favorable als interessos del consumidor condemnant al banc a retornar aquells interessos abonats de manera indeguda.<\/p>\n

    Com a exemple, la Sent\u00e8ncia del Jutjat de Primera Inst\u00e0ncia\u00a0n\u00ba17\u00a0de Palma, primera de tot l’estat espanyol despr\u00e9s de la Sent\u00e8ncia Europea de 3 de mar\u00e7 en qu\u00e8 s’anul\u00b7la el\u00a0IRPH\u00a0i a m\u00e9s obliga el banc a recalcular de manera retroactiva els interessos acumulats durant la vig\u00e8ncia del pr\u00e9stec, aplicant com a refer\u00e8ncia l’EURIBOR.<\/p>\n

    Fins al pronunciament de el\u00a0TJUE<\/strong>\u00a0s’havia generat una incertesa sobre la manera de reclamar el\u00a0IRPH\u00a0per a assegurar el seu \u00e8xit.<\/p>\n

    Aquesta situaci\u00f3 provocava certa discrep\u00e0ncia entre els despatxos d’advocats. Alguns d’aquests despatxos decidien iniciar les reclamacions i uns altres recomanaven esperar que se superi el control de transpar\u00e8ncia.<\/p>\n

    Des de\u00a0Muntlaw\u00a0Advocats estem oberts a qualsevol situaci\u00f3 i recomanem contactar amb algun dels nostres especialistes per a estudiar el cas i triar la millor estrat\u00e8gia per a garantir l’\u00e8xit.<\/p>\n

    QUE NO T’ENGANYIN<\/strong><\/h2>\n

    \u00c9s possible que, arran d’aquesta sent\u00e8ncia del Tribunal de Just\u00edcia Europeu, la teva entitat banc\u00e0ria intenti fer-te alguna proposta per a resoldre amistosament aquesta situaci\u00f3.<\/p>\n

    La nostra recomanaci\u00f3 \u00e9s que no ho facis i consultis amb nosaltres el teu cas, perqu\u00e8 el banc t’obligar\u00e0 a signar un document i, amb molta probabilitat, t’obligaran a renunciar a drets, amb el greu perjudici que aix\u00f2 et podr\u00e0 suposar.<\/p>\n

    En\u00a0MUNTLAW\u00a0ADVOCATS<\/strong> som especialistes en Dret Bancari<\/strong> i podem ajudar-te a reclamar la devoluci\u00f3 dels teus diners.<\/p>\n

    Contacta<\/span><\/strong><\/a><\/span>\u00a0amb nosaltres i amb molt de gust analitzarem el teu cas.<\/p>\n","protected":false},"excerpt":{"rendered":"

    A MUNTLAW\u00a0ADVOCATS som especialistes en Dret Bancari i podem ajudar-lo […]<\/p>\n","protected":false},"author":1,"featured_media":858,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22],"tags":[],"class_list":["post-869","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias-ca"],"yoast_head":"\nQu\u00e8 \u00e9s i Com Reclamar la Cl\u00e0usula IRPH - muntlaw.com<\/title>\n<meta name=\"description\" content=\"A MUNTLAW\u00a0ADVOCATS som especialistes en Dret Bancari i podem ajudar-lo a reclamar la cl\u00e0usula\u00a0IRPH\u00a0i recuperar els diners pagats de m\u00e9s.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/muntlaw.com\/en\/reclamar-la-clausula-irph-advocats-barcelona\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:locale:alternate\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u00e8 \u00e9s i Com Reclamar la Cl\u00e0usula IRPH - 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