Acceso usuarios
Alicia Agüero Ortiz
La STJUE 13.7.2023 no comportará cambios significativos en la doctrina del TS sobre la abusividad de la cláusula IRPH ya que (i) se basa en diversas inexactitudes presentadas por el juez remitente de la cuestión prejudicial; (ii) la cláusula ya era considerada no transparente por el TS; (iii) el TS ya efectuaba la comparación con el euríbor y el interés legal para evaluar, y descartar, la concurrencia de desequilibrio importante; y (iv) el TS descarta que exista mala fe del predisponte, requisito sine qua non para declarar la abusividad. La novedad más significativa, y que mayores implicaciones pueden reportar a los consumidores afectados, es la ordenación de contrastar que no se incluyan comisiones ya incluidas en el índice, en cuyo caso podrán obtener la restitución del importe de la comisión afectad
The CJUE's ruling of 13.7.2023 will not entail significant changes in the Spanish Supreme Court doctrine on the unfairness of IRPH clauses since (i) it is based on several inaccuracies presented by the referring judge of the preliminary ruling; (ii) the clause was already considered non-transparent by the SSC; (iii) the SSC was already making the comparison with the Euribor and the legal interest to evaluate, and rule out, the occurrence of a significant imbalance; and (iv) the Supreme Court rules out the existence of bad faith on banks, a sine qua non requirement to declare the unfairness. The most significant novelty, and which may have the greatest impact on affected consumers, is the order to verify that commissions already included in the index are not included, in which case consumers affected will be able to obtain restitution of the amount of the commission
