Crédito revolving o rotativo y usura (1ª parte)
Revolving credit as a credit product involves making avaible to the customer up to on agreed limit which is paid on deferred form, by means of periodic dues fixed in the contract which may consist either of a percentage of the debt or a fixed dues which the client may choose within a fixed minimu...
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| Language: | Spanish |
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2020
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dialnet-ar-18-ART0001394784
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Revista de Derecho, Empresa y Sociedad (REDS), ISSN 2340-4647, Nº. 15, 2020, pags. 55-100
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| language |
Spanish
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| topic |
usura
crédito revolving crédito al consumo tarjeta de crédito interés remuneratorio interés de demora TAE control de transparencia consumidores y usuarios préstamo usury revolving credit consumer credit credit cards interest remuneration interest of delay APR transparency control consumers and users lending |
| spellingShingle |
usura
crédito revolving crédito al consumo tarjeta de crédito interés remuneratorio interés de demora TAE control de transparencia consumidores y usuarios préstamo usury revolving credit consumer credit credit cards interest remuneration interest of delay APR transparency control consumers and users lending Berrocal Lanzarot, Ana Isabel Crédito revolving o rotativo y usura (1ª parte) |
| description |
Revolving credit as a credit product involves making avaible to the
customer up to on agreed limit which is paid on deferred form, by means of periodic dues fixed in
the contract which may consist either of a percentage of the debt or a fixed dues which the client
may choose within a fixed minimun by the entity. Has high interest rates, essentially due to the
higher risks taken by credit institutions or financial institutions offering them, as they are easily
accessible without collateral, hardly any formalities for its concession or a flexibility in its
availability and mode of payment, so, on such bases, can be raised, if they are subject to the law of
repression of usury as understood buy the judgment of the plenary of the civil court of 25
novembre 2015 and considered as null and as usurious, or, where applicable, on the basis of a
compatibility of usury with the regulations consumer protection, operate on the requirement of
double transparency control. In the context, the present study will focus on the analysis of what
such claims represent, also revolving the case law doctrine set out in the mentioned Supreme
Court judgment, which has led to an important litigation and divergence law and its consequences;
the importance of the precontractual and contractual reporting duty specified in the Draft Order of
2019, which is intended to protect the customer of these products, providing informed consent, and
finally, we will specify how we understand a future pronouncement of our Supreme Court will be
substantiated bases on the statistical information published by the Bank of Spain.
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| format |
Article
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| author |
Berrocal Lanzarot, Ana Isabel
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| author_facet |
Berrocal Lanzarot, Ana Isabel
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| author_sort |
Berrocal Lanzarot, Ana Isabel
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| title |
Crédito revolving o rotativo y usura (1ª parte)
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| title_short |
Crédito revolving o rotativo y usura (1ª parte)
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| title_full |
Crédito revolving o rotativo y usura (1ª parte)
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| title_fullStr |
Crédito revolving o rotativo y usura (1ª parte)
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| title_full_unstemmed |
Crédito revolving o rotativo y usura (1ª parte)
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| title_sort |
crédito revolving o rotativo y usura (1ª parte)
|
| publishDate |
2020
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| url |
https://dialnet.unirioja.es/servlet/oaiart?codigo=7468234
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| _version_ |
1825112112774512640
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| spelling |
dialnet-ar-18-ART00013947842020-06-25Crédito revolving o rotativo y usura (1ª parte)Berrocal Lanzarot, Ana Isabelusuracrédito revolvingcrédito al consumotarjeta de créditointerés remuneratoriointerés de demoraTAEcontrol de transparenciaconsumidores y usuariospréstamousuryrevolving creditconsumer creditcredit cardsinterest remunerationinterest of delayAPRtransparency controlconsumers and userslendingRevolving credit as a credit product involves making avaible to the customer up to on agreed limit which is paid on deferred form, by means of periodic dues fixed in the contract which may consist either of a percentage of the debt or a fixed dues which the client may choose within a fixed minimun by the entity. Has high interest rates, essentially due to the higher risks taken by credit institutions or financial institutions offering them, as they are easily accessible without collateral, hardly any formalities for its concession or a flexibility in its availability and mode of payment, so, on such bases, can be raised, if they are subject to the law of repression of usury as understood buy the judgment of the plenary of the civil court of 25 novembre 2015 and considered as null and as usurious, or, where applicable, on the basis of a compatibility of usury with the regulations consumer protection, operate on the requirement of double transparency control. In the context, the present study will focus on the analysis of what such claims represent, also revolving the case law doctrine set out in the mentioned Supreme Court judgment, which has led to an important litigation and divergence law and its consequences; the importance of the precontractual and contractual reporting duty specified in the Draft Order of 2019, which is intended to protect the customer of these products, providing informed consent, and finally, we will specify how we understand a future pronouncement of our Supreme Court will be substantiated bases on the statistical information published by the Bank of Spain.El crédito revolving como producto crediticio supone la puesta a disposición del cliente de una línea de crédito hasta un límite pactado que se paga de forma aplazada, mediante unas cuotas periódicas fijadas en el contrato, que pueden consistir bien en un porcentaje de la deuda o en una cuota fija que el cliente puede elegir o variar dentro de unos mínimos fijados por la entidad. Estas cuotas que se abonan, pueden volver a formar parte del crédito disponible, renovándose de manera automática a su vencimiento mensual y, sobre el capital dispuesto se aplica el tipo de interés pactado. Unos altos intereses remuneratorios derivados, esencialmente, de los mayores riesgos que asumen las entidades crediticias o los establecimientos financieros que los ofertan, al ser fácil su acceso, carecer de garantías, apenas trámites para su concesión y una flexibilidad en su disponibilidad y modalidad de pago, por lo que, sobre tales bases, cabe plantear, si están sujetos a la Ley de Represión de la Usura, tal como ha entendido la sentencia del Pleno de la Sala de lo Civil, de 25 de noviembre de 2015 y considerarlos nulos por usurarios, o, en su caso, sobre la base de una compatibilidad de la usura con la normativa de protección de consumidores, operar sobre la exigencia del doble control de transparencia. En este contexto, el presente estudio se va a centrar en analizar lo que representan tales créditos revolving, asimismo, la doctrina jurisprudencial fijada en la citada sentencia del Tribunal Supremo, que ha derivado en una importante litigiosidad y divergencia de planteamientos en el seno de nuestra Audiencias Provinciales; la aplicación a estos créditos de la normativa de consumidores y sus consecuencias; la importancia del deber de información precontractual y contractual concretado en un Proyecto de Orden de 2019 que, tiene como objetivo proteger al cliente de estos productos, facilitando un consentimiento informado, y, en fin, concretaremos, como entendemos, se va a sustanciar un futuro pronunciamiento de nuestro Tribunal Supremo atendiendo a la información estadística que publica el Banco de España.2020text (article)application/pdfhttps://dialnet.unirioja.es/servlet/oaiart?codigo=7468234(Revista) ISSN 2340-4647Revista de Derecho, Empresa y Sociedad (REDS), ISSN 2340-4647, Nº. 15, 2020, pags. 55-100spaLICENCIA DE USO: Los documentos a texto completo incluidos en Dialnet son de acceso libre y propiedad de sus autores y/o editores. 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Any link to this document should be made using its official URL in Dialnet. More info: https://dialnet.unirioja.es/info/derechosOAI
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