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La Sala de lo Civil del Tribunal Supremo, reunida en pleno, ha dictado varias sentencias fijando doctrina sobre algunas cuestiones relativas a cláusulas abusivas en contratos con consumidores sobre las que aún no se había pronunciado.

El gabinete técnico del T.S. ha publicado un resumen con una nota de prensa que puedes descargar aqui.

En resumen:

  • COMISIÓN DE APERTURA: El TS considera que es parte del precio y por tanto no cabe control de contenido, sino de solo de transparencia, que por otro lado considera cumplido de forma general. NO CABE SU RECLAMACIÓN.
  • COMISIÓN DE ESTUDIO: No se juzga en las sentencias analizadas, pero de su análisis podría concluirse que sí podría reclamarse, si además existe comisión de apertura (No pueden cobrarse ambas).
  • ARANCEL NOTARIAL:
    • CONSTITUCIÓN: Al 50% entre banco y consumidor. Ambos están interesados.
    • MODIFICACIÓN: Al 50% entre banco y consumidor. Ambos están interesados.
    • CANCELACIÓN: Al 100% al consumidor, es al único al que interesan.
    • COPIAS: Quien las solicite.
  • ARANCEL REGISTRAL:
    • CONSTITUCIÓN: Al 100% al banco.
    • MODIFICACIÓN: No lo determina.
    • CANCELACIÓN: Al 100% al consumidor.
  • GESTORÍA: Al 50% entre banco y consumidor.
  • TASACIÓN: No se ha pronunciado.
  • AJD: Evidentemente no modifica doctrina. Paga el prestatario.
  • INTERESES: Por otro lado, se confirma la STS 725/2018 de 19 de diciembre, de tal forma que se devengan intereses legales desde el pago.

En consecuencia, para dar efectividad al tan mencionado art. 6.1 de la Directiva, en lo que respecta a los intereses que han de devengar las cantidades que debe percibir el consumidor, resulta aplicable analógicamente el art. 1896 CC, puesto que la calificación de la cláusula como abusiva es equiparable a la mala fe del predisponente. Conforme a dicho precepto, cuando haya de restituirse una cantidad de dinero deberá abonarse el interés legal desde el momento en que se recibió el pago indebido -en este caso, se produjo el beneficio indebido- ( sentencia 727/1991, de 22 de octubre). A su vez, la sentencia 331/1959, de 20 de mayo, declaró, en un supuesto de pago de lo indebido con mala fe del beneficiado, que la deuda de éste se incrementa con el interés legal desde la recepción, así como que la regla específica de intereses del art. 1896 CC excluye, ‘por su especialidad e incompatibilidad’, la general de los arts. 1101 y 1108 CC (preceptos considerados aplicables por la sentencia recurrida).»

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box_shadow_blur=»0″ box_shadow_spread=»0″ box_shadow_color=»» box_shadow_style=»» padding_top=»» padding_right=»» padding_bottom=»» padding_left=»» margin_top=»» margin_bottom=»» background_type=»single» gradient_start_color=»» gradient_end_color=»» gradient_start_position=»0″ gradient_end_position=»100″ gradient_type=»linear» radial_direction=»center» linear_angle=»180″ background_color=»» background_image=»» background_position=»left top» background_repeat=»no-repeat» background_blend_mode=»none» animation_type=»» animation_direction=»left» animation_speed=»0.3″ animation_offset=»» filter_type=»regular» filter_hue=»0″ filter_saturation=»100″ filter_brightness=»100″ filter_contrast=»100″ filter_invert=»0″ filter_sepia=»0″ filter_opacity=»100″ filter_blur=»0″ filter_hue_hover=»0″ filter_saturation_hover=»100″ filter_brightness_hover=»100″ filter_contrast_hover=»100″ filter_invert_hover=»0″ filter_sepia_hover=»0″ filter_opacity_hover=»100″ filter_blur_hover=»0″ last=»no»][fusion_button link=»/wp-content/uploads/2019/01/sentencia-3.pdf» text_transform=»» title=»» target=»lightbox» link_attributes=»» alignment=»right» modal=»» hide_on_mobile=»small-visibility,medium-visibility,large-visibility» class=»» id=»» color=»default» button_gradient_top_color=»» button_gradient_bottom_color=»» button_gradient_top_color_hover=»» button_gradient_bottom_color_hover=»» accent_color=»» accent_hover_color=»» type=»» bevel_color=»» border_width=»» border_radius=»» border_color=»» border_hover_color=»» size=»xlarge» stretch=»yes» icon=»» icon_position=»left» icon_divider=»no» animation_type=»fade» animation_direction=»left» animation_speed=»0.8″ animation_offset=»»]Descargar STS 48/2019[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=»Boton Descargar en PDF» hundred_percent=»no» hundred_percent_height=»no» hundred_percent_height_scroll=»no» hundred_percent_height_center_content=»yes» equal_height_columns=»no» menu_anchor=»» hide_on_mobile=»small-visibility,medium-visibility,large-visibility» status=»published» publish_date=»» class=»» id=»» border_size=»» border_color=»» border_style=»solid» margin_top=»» margin_bottom=»45px» padding_top=»» padding_right=»7%» padding_bottom=»» padding_left=»7%» gradient_start_color=»» gradient_end_color=»» gradient_start_position=»0″ gradient_end_position=»100″ gradient_type=»linear» radial_direction=»center» linear_angle=»180″ background_color=»» background_image=»» background_position=»center center» background_repeat=»no-repeat» fade=»no» background_parallax=»none» enable_mobile=»no» parallax_speed=»0.3″ background_blend_mode=»none» video_mp4=»» video_webm=»» video_ogv=»» video_url=»» video_aspect_ratio=»16:9″ video_loop=»yes» video_mute=»yes» video_preview_image=»» filter_hue=»0″ filter_saturation=»100″ filter_brightness=»100″ filter_contrast=»100″ filter_invert=»0″ filter_sepia=»0″ filter_opacity=»100″ filter_blur=»0″ filter_hue_hover=»0″ filter_saturation_hover=»100″ filter_brightness_hover=»100″ filter_contrast_hover=»100″ filter_invert_hover=»0″ filter_sepia_hover=»0″ filter_opacity_hover=»100″ filter_blur_hover=»0″][fusion_builder_row][fusion_builder_column type=»1_1″ layout=»1_1″ spacing=»» center_content=»no» link=»» target=»_self» min_height=»» hide_on_mobile=»small-visibility,medium-visibility,large-visibility» class=»» id=»» background_image_id=»» hover_type=»none» border_size=»0″ border_color=»» border_style=»solid» border_position=»all» border_radius_top_left=»» border_radius_top_right=»» border_radius_bottom_right=»» border_radius_bottom_left=»» box_shadow=»no» box_shadow_vertical=»» box_shadow_horizontal=»» box_shadow_blur=»0″ box_shadow_spread=»0″ box_shadow_color=»» box_shadow_style=»» padding_top=»» padding_right=»» padding_bottom=»» padding_left=»» margin_top=»» margin_bottom=»» background_type=»single» gradient_start_color=»» gradient_end_color=»» gradient_start_position=»0″ gradient_end_position=»100″ gradient_type=»linear» radial_direction=»center» linear_angle=»180″ background_color=»» background_image=»» background_position=»left top» background_repeat=»no-repeat» background_blend_mode=»none» animation_type=»» animation_direction=»left» animation_speed=»0.3″ animation_offset=»» filter_type=»regular» filter_hue=»0″ filter_saturation=»100″ filter_brightness=»100″ filter_contrast=»100″ filter_invert=»0″ filter_sepia=»0″ filter_opacity=»100″ filter_blur=»0″ filter_hue_hover=»0″ filter_saturation_hover=»100″ filter_brightness_hover=»100″ filter_contrast_hover=»100″ filter_invert_hover=»0″ filter_sepia_hover=»0″ filter_opacity_hover=»100″ filter_blur_hover=»0″ last=»no»][fusion_button link=»/wp-content/uploads/2019/01/sentencia-4.pdf» text_transform=»» title=»» target=»lightbox» link_attributes=»» alignment=»right» modal=»» hide_on_mobile=»small-visibility,medium-visibility,large-visibility» class=»» id=»» color=»default» button_gradient_top_color=»» button_gradient_bottom_color=»» button_gradient_top_color_hover=»» button_gradient_bottom_color_hover=»» accent_color=»» accent_hover_color=»» type=»» bevel_color=»» border_width=»» border_radius=»» border_color=»» border_hover_color=»» size=»xlarge» stretch=»yes» icon=»» icon_position=»left» icon_divider=»no» animation_type=»fade» animation_direction=»left» animation_speed=»0.8″ animation_offset=»»]Descargar STS 49/2019[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=»Boton Descargar en PDF» hundred_percent=»no» hundred_percent_height=»no» hundred_percent_height_scroll=»no» hundred_percent_height_center_content=»yes» equal_height_columns=»no» menu_anchor=»» hide_on_mobile=»small-visibility,medium-visibility,large-visibility» status=»published» publish_date=»» class=»» id=»» border_size=»» border_color=»» border_style=»solid» margin_top=»» margin_bottom=»45px» padding_top=»» padding_right=»7%» padding_bottom=»» padding_left=»7%» gradient_start_color=»» gradient_end_color=»» gradient_start_position=»0″ gradient_end_position=»100″ gradient_type=»linear» radial_direction=»center» linear_angle=»180″ background_color=»» background_image=»» background_position=»center center» background_repeat=»no-repeat» fade=»no» background_parallax=»none» enable_mobile=»no» parallax_speed=»0.3″ background_blend_mode=»none» video_mp4=»» video_webm=»» video_ogv=»» video_url=»» video_aspect_ratio=»16:9″ video_loop=»yes» video_mute=»yes» video_preview_image=»» filter_hue=»0″ filter_saturation=»100″ filter_brightness=»100″ filter_contrast=»100″ filter_invert=»0″ filter_sepia=»0″ filter_opacity=»100″ filter_blur=»0″ filter_hue_hover=»0″ filter_saturation_hover=»100″ filter_brightness_hover=»100″ filter_contrast_hover=»100″ filter_invert_hover=»0″ filter_sepia_hover=»0″ filter_opacity_hover=»100″ filter_blur_hover=»0″][fusion_builder_row][fusion_builder_column type=»1_1″ layout=»1_1″ spacing=»» center_content=»no» link=»» target=»_self» min_height=»» hide_on_mobile=»small-visibility,medium-visibility,large-visibility» class=»» id=»» background_image_id=»» hover_type=»none» border_size=»0″ border_color=»» border_style=»solid» border_position=»all» border_radius_top_left=»» border_radius_top_right=»» border_radius_bottom_right=»» border_radius_bottom_left=»» box_shadow=»no» box_shadow_vertical=»» box_shadow_horizontal=»» box_shadow_blur=»0″ box_shadow_spread=»0″ box_shadow_color=»» box_shadow_style=»» padding_top=»» padding_right=»» padding_bottom=»» padding_left=»» margin_top=»» margin_bottom=»» background_type=»single» gradient_start_color=»» gradient_end_color=»» gradient_start_position=»0″ gradient_end_position=»100″ gradient_type=»linear» radial_direction=»center» linear_angle=»180″ background_color=»» background_image=»» background_position=»left top» background_repeat=»no-repeat» background_blend_mode=»none» animation_type=»» animation_direction=»left» animation_speed=»0.3″ animation_offset=»» filter_type=»regular» filter_hue=»0″ filter_saturation=»100″ filter_brightness=»100″ filter_contrast=»100″ filter_invert=»0″ filter_sepia=»0″ filter_opacity=»100″ filter_blur=»0″ filter_hue_hover=»0″ filter_saturation_hover=»100″ filter_brightness_hover=»100″ filter_contrast_hover=»100″ filter_invert_hover=»0″ filter_sepia_hover=»0″ filter_opacity_hover=»100″ filter_blur_hover=»0″ last=»no»][fusion_button link=»/wp-content/uploads/2019/01/STS-725-2018.pdf» text_transform=»» title=»» target=»lightbox» link_attributes=»» alignment=»right» modal=»» hide_on_mobile=»small-visibility,medium-visibility,large-visibility» class=»» id=»» color=»default» button_gradient_top_color=»» button_gradient_bottom_color=»» button_gradient_top_color_hover=»» button_gradient_bottom_color_hover=»» accent_color=»» accent_hover_color=»» type=»» bevel_color=»» border_width=»» border_radius=»» border_color=»» border_hover_color=»» size=»xlarge» stretch=»yes» icon=»» icon_position=»left» icon_divider=»no» animation_type=»fade» animation_direction=»left» animation_speed=»0.8″ animation_offset=»»]Descargar STS 725/2018 en PDF[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]