The Supreme Court establishes that the interval to demand mortgage bills begins when there’s a remaining ruling | Economy | EUROtoday

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The Supreme Court has dealt a tough blow to the banks by following the trail set by the Court of Justice of the European Union (CJEU) in issues of mortgage bills. In a ruling, which was made public this Tuesday, the Civil Chamber of the excessive courtroom has resolved that the statute of limitations for demanding the return of the notary, property registry and company prices paid—which the purchasers paid extra so when signing a mortgage mortgage—doesn’t start to run till a remaining judgment annuls the validity of mentioned obligation. With this ruling, the Supreme Court opens the door to an avalanche of lawsuits, since in follow it means extending the deadline for claiming that had been initially set – in accordance with authorized sources and shopper associations it led to April of this yr – which can permit many customers face a authorized battle towards the banks.

“Except in those cases in which the lending entity proves that, within the framework of its contractual relations, that specific consumer could have known on an earlier date that this stipulation (expense clause) was abusive, the initial day of the limitation period of the action for restitution of mortgage expenses unduly paid by a consumer will be the finality of the ruling that declares the nullity of the clause that required such payments,” the Supreme Court stated in its resolution, dated June 14.

In this way, the magistrates of the high court follow the doctrine of European Justice, which in a ruling on February 25 settled the debate by determining that the consumer is not “in a position to effectively assert” their rights of criticism till There is not any remaining ruling – that’s, towards which there are not any additional appeals – that declares the abusiveness and nullity of the clause the place the bills are fastened.

With this new ruling, the Supreme Court changes its criteria. In January 2019, the high court established doctrine and established the equal distribution of the costs of establishing mortgages between banks and consumers. That is, each party had to assume 50% of the costs, which was a blow to the bank that, until then, forced clients to pay 100% of these items. In accordance with this ruling, both banking entities and some provincial courts and hearings considered that, according to the five years established by the Civil Code for the expiration of restitutionary actions, the period to claim the return of the extra money paid expired in January of this year. However, this time limit was extended by three more months, until last April, to compensate for the period in which the administrative deadlines were suspended as a result of the covid-19 pandemic and confinement, as warned by the associations of consumers.

However, the discussion was reopened last January when the CJEU ruled that the date for claiming began at the moment the consumer had true knowledge that he should not have faced all the mortgage expenses. Even so, it left it in the hands of each national judge to set the beginning of the limitation period for each specific case, warning that the client does not have to know the national jurisprudence. This ruling raised more doubts among the Spanish judges, who came to issue disparate sentences, although they were clarified in April, in a new resolution from the court based in Luxembourg, which has now been accepted in its entirety by the Supreme Court.

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https://elpais.com/economia/2024-06-18/el-supremo-sigue-a-la-justicia-europea-y-abre-la-puerta-a-una-avalancha-de-reclamaciones-por-los-gastos-hipotecarios.html