Dare reProvincial yeMadrid rakabvumirana neCREDIFIMO kubhadhara kwe15.000 euros kune mutengi, pamari yakagamuchirwa kubva pakasainwa chibvumirano chechikwereti, nekushandiswa kwechikamu chepasi chakaziviswa kuti hachina basa. Mamejasitiriti vanoshandisa chirevo chakagadzwa neEuropean Court of Justice (CJEU) chinomisikidza mhedzisiro panguva yekumisikidzwa kwechibvumirano, vachiyera kuvepo kwemutongo wekupedzisira wakasimbisa kudzoserwa kwemari kubva pakuzivisa kusashanda kwechirevo. .
Patricia Suárez, purezidhendi weAssociation of Financial Users (ASUFIN), akataura kuti, nechisarudzo ichi, "Dare reProvincial yeMadrid rakasiiwa mumamiriro ezvinhu asina kunaka kune zviuru zveavo vakawirwa nekutongwa kwekupedzisira uye vakaudzwa mukati. dare kuti musimboti we res judicata wakashandiswa, kureva kuti, kana vanga vatotora uye vakadzosa kubva muna Chivabvu 2013 zvichienda mberi, havangakwanise kuita zvimwe chetezvo pamari yasara.
chikwereti chinopambwa
Muna Gumiguru 2007, munyoreri akasaina chikwereti chekufungidzira neCREDIFIMO, umo yakamisa chirevo che 4,10% chete pagore zita.
Muna 2015, mushure mekushaikwa kwechirevo chataurwa pamusoro apa, danho rekumanikidza rakaiswa kuti vatore kudzoserwa kwemari yakabhadharwa yakawandisa, nekushandiswa kwe clause yakataurwa. Pakangotumirwa kuurayiwa, sangano racho rakaendesa 5.000 euros, mari yakawedzerwa kubva pazuva remutongo.
retroactive effect
Nekudaro, muna 2016 Dare reEuropean Court of Justice rakazivisa kuti kudzoserwa kwemari yakabhadharwa zvisina kufanira nekuda kwekushandiswa kweanoshungurudza uye yakanzi null clause inofanirwa kudzokororwa kusvika panguva yekusaina kondirakiti. Naizvozvo, yakazivisa kodzero yekudzorera mari yakagamuchirwa nesangano kubva pazuva rekusaina chikwereti chemondi. Mutongo wakataurwa wakagadziridza gwara raiteverwa kusvika panguva iyoyo neDare Repamusorosoro, iro rakapa kodzero yataurwa chete kubva pazuva remutongo.
Yakatongwa chinhu
Kunyangwe zvakagadziriswa neCJEU, muna 2021 dare reSpain rakarasa chirevo chemumhan'ari, mupfungwa yekuti akakumbira mari yakabhadharwa kubva pakugadziriswa kwechikwereti zvichibva pakugamuchirwa kweres judicata kunze kwakakumbirwa nemupomeri wechikwereti.
Mutongo wakakwidzwa nemutengi kudare reProvincial Court, dare rakatsigira chikumbiro chake richiona kuti kunze kweres judicata hakuenderane. Mamejasitiriti anonzwisisa kuti kushandisa musimboti wedare rino mukuita uku kunoratidza kutyorwa kwemusimboti wekushanda kwemutemo wenharaunda, asi kuti kushandiswa kwetsika iyi kwave kusingabviri kana kuomesesa zvakanyanya kuvimbisa kuchengetedzwa, chinyorwa 6, chikamu 1 yeDirective 93/13 iyo yambotaurwa sarudzo yeCJEU inoreva, yakapihwa vatengi, sezvo chikumbiro chekudzorera mhedzisiro yakabva mukuziviswa kwekusashanda kweivhu clause land yakagadzirwa zvinoenderana neDare Repamusoro-soro panyaya, chirevo chekuti. , sezvatinoziva, zvaisungirwa kumatare nematare edzimhosva.
Nokudaro, Dare rinoshora sangano reCredifimo kubhadhara pakuda mari yakagamuchirwa zvisina kufanira, nekushandiswa kwechikamu chepasi, kubva munaOctober 5, 2007, zuva rakashandiswa chikwereti chechikwereti.
Muchidimbu, inoumba mutsara mutsva, unoisa kufarira kwemutengi pamberi pe res judicata (mitsara yakasimba). Nechikonzero ichi, purezidhendi weAsufin anosimbisa, "tinovimba kuti Dare Repamusorosoro rinosimbisa dudziro iyi yepamutemo nekuti ichadzoreredza kusarongeka uko vazhinji vakabatwa vakasiiwa nemutongo wekupedzisira vasina kukwanisa kukumbira mari yakabhadharwa zvakapfuura. clause.
