Crédito revolving o rotativo y usura (2ª 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 minimun b...

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Main Author: Berrocal Lanzarot, Ana Isabel
Format: Article
Language:Spanish
Published: 2020
Subjects:
TAE
APR
Online Access:https://dialnet.unirioja.es/servlet/oaiart?codigo=7631163
Source:Revista de Derecho, Empresa y Sociedad (REDS), ISSN 2340-4647, Nº. 16, 2020, pags. 51-78
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Revista de Derecho, Empresa y Sociedad (REDS), ISSN 2340-4647, Nº. 16, 2020, pags. 51-78
language
Spanish
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 (2ª 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.
format
Article
author
Berrocal Lanzarot, Ana Isabel
author_facet
Berrocal Lanzarot, Ana Isabel
author_sort
Berrocal Lanzarot, Ana Isabel
title
Crédito revolving o rotativo y usura (2ª parte)
title_short
Crédito revolving o rotativo y usura (2ª parte)
title_full
Crédito revolving o rotativo y usura (2ª parte)
title_fullStr
Crédito revolving o rotativo y usura (2ª parte)
title_full_unstemmed
Crédito revolving o rotativo y usura (2ª parte)
title_sort
crédito revolving o rotativo y usura (2ª parte)
publishDate
2020
url
https://dialnet.unirioja.es/servlet/oaiart?codigo=7631163
_version_
1709752404881178624
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dialnet-ar-18-ART00014167622020-11-11Crédito revolving o rotativo y usura (2ª 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=7631163(Revista) ISSN 2340-4647Revista de Derecho, Empresa y Sociedad (REDS), ISSN 2340-4647, Nº. 16, 2020, pags. 51-78spaLICENCIA 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