Tarjetas «revolving»: La Audiencia de Tenerife se adelantó al Supremo.

En la resolución se confirma la sentencia dictada por parte de un Juzgado de la capital tinerfeña que estima íntegramente la demanda interpuesta por el letrado Ymer Isaac González Rodríguez, declarando la nulidad de la tarjeta.

En 2010 ya se había creado una estadística específica del Banco de España para las tarjetas de crédito de pago aplazado. Antes de esto, los tipos de interés de las tarjetas revolving se incluían dentro de la estadística referente a los créditos al consumo.

Debido a este cambio no se sabia si existía posibilidad de anular por cobro de interés excesivamente alto (usura) las tarjetas firmadas con posterioridad al 2010. Por ello debía valorarse si un contrato como el de este proceso, con un  27,24% TAE, podría ser considerado usurario teniendo en cuenta que a la fecha de la firma del mismo el tipo medio de las tarjetas de crédito de pago aplazado era del 21%.

Esta duda fue resuelta el pasado 4 de marzo de 2020 por el Tribunal Supremo en su sentencia, donde dicta que efectivamente las estadísticas de las tarjetas de crédito de pago aplazado es la medida que se debe utilizar para valorar si el tipo de interés del contrato es notablemente superior al normalmente aplicado, sin embargo concluye que un tipo de interés del 26’82% es usurario (elevado).

La Sentencia, dictada por la Sección Primera de la Audiencia Provincial de Santa Cruz de Tenerife, con nº de recurso 482/2019, y  nº de resolución 25/2020, es de fecha 16/01/2020, se adelantó de esta manera a la Sentencia del Supremo, ratificando la nulidad de la tarjeta por usuraria.

Enlace a la sentencia.

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    גמר גבוהה הכוללת עיצוב הבית לפרטי פרטים,
    שילוב של פונקציונאליות עם יופי ואסתטיקה בסגנון מודרני, נקי וייחודי.
    עיסוי בתל אביב על ידי מעסה עם ותק של 10 שנים,
    יהיה יקר הרבה יותר מעיסוי הניתן על
    ידי מעסה עם ותק של שנה. מחפשים נערות ליווי בתל אביב
    או במרכז? במרכז נדב דורון,ֿ אנו
    מטפלים בילדים בעלי לקויות למידה וקשיי למידה, ובילדים
    בעלי הפרעת קשב וריכוז. אנו מטפלים בבעיות
    קשב וריכוז וליקויי למידה בקרב ילדים.
    הראל טכנולוגיות מתחמה בטיפול בבעיות פשוטות עד מורכבות בפלאפונים סלולריים וטאבלטים.

    כך שאם פתאום הפסיק לעבוד לכם הפלאפון או הטאבלט, כדאי לכם לפנות אך ורק למעבדת
    התיקונים של הראל טכנולוגיות, שכן שם תקבלו יחס חם ושירות אדיב ומקצועי.

  50. Life Experience Degrees Dice:

    Greetings, I think your site could possibly be having web browser compatibility issues. When I take a look at your site in Safari, it looks fine however, when opening in IE, it has some overlapping issues. I just wanted to provide you with a quick heads up! Other than that, fantastic website!

  51. DavidLipse Dice:

    Менеджер маркетплейсов – обучение обучение-менеджер-маркетплейсов.рф
    на бесплатных и платных курсах работе с маркетплейсами Вальдберис, OZON, Yandex Market и и другими, и получение работы для начинающих с нуля «Менеджер маркетплейсов», на курсах научат аналитике, различные форматы продвижения товаров уже сразу после курса, получите востребованную профессию онлайн и получите навыки в интернет-маркетинге, чтобы зарабатывать деньги и помогать бизнесу; на курсах вы узнаете все: работа с карточками, выстраивание стратегии продаж, взаимодействие с поставщиками, особенности площадок, после завершения профессионального курса выдаётся сертификат, стоимость есть по ссылке.

  52. HaroldREONI Dice:

    Что такое гибкие кабели?
    Самый простой кабель – это одножильный провод с пластиковой оболочкой.
    Он может гнуться и сохраняет этот изгиб – если вы не делаете это слишком часто, потому что иначе провод ломается.
    Такие простые кабели используются в домашних установках.
    После установки кабель остается нетронутым в течение десятилетий.
    Такие твердые провода не подходят для многих других применений, где кабели должны быть гибкими и эластичными.
    Здесь проводники в жилах состоят из нитей – пучков тонких проволок, которые можно сгибать миллионы раз, в зависимости от конструкции, не ломая и не теряя свойств тока или передачи данных.
    Одно из самых неприятных мест для кабеля – тяговая цепь. Здесь кабели питания, сервопривода и передачи данных расположены близко друг к другу и перемещаются вперед-назад по мере работы машины.
    Иногда со скоростью более пяти метров в секунду с ускорением, превышающим ускорение силы тяжести более чем в пять раз.
    Кабели проложены в тяговой цепи таким образом, что они изгибаются только в одном направлении.
    КГ 2х4+1х2,5-0,38

  53. HaroldREONI Dice:

    Что такое гибкие кабели?
    Самый простой кабель – это одножильный провод с пластиковой оболочкой.
    Он может гнуться и сохраняет этот изгиб – если вы не делаете это слишком часто, потому что иначе провод ломается.
    Такие простые кабели используются в домашних установках.
    После установки кабель остается нетронутым в течение десятилетий.
    Такие твердые провода не подходят для многих других применений, где кабели должны быть гибкими и эластичными.
    Здесь проводники в жилах состоят из нитей – пучков тонких проволок, которые можно сгибать миллионы раз, в зависимости от конструкции, не ломая и не теряя свойств тока или передачи данных.
    Одно из самых неприятных мест для кабеля – тяговая цепь. Здесь кабели питания, сервопривода и передачи данных расположены близко друг к другу и перемещаются вперед-назад по мере работы машины.
    Иногда со скоростью более пяти метров в секунду с ускорением, превышающим ускорение силы тяжести более чем в пять раз.
    Кабели проложены в тяговой цепи таким образом, что они изгибаются только в одном направлении.
    КГ 3х2,5-400

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