{"id":3307,"date":"2019-06-10T09:37:39","date_gmt":"2019-06-10T07:37:39","guid":{"rendered":"https:\/\/medinacuadrosabogados.com\/?p=3307"},"modified":"2022-05-04T11:42:36","modified_gmt":"2022-05-04T09:42:36","slug":"otras-formas-de-reclamacion-del-credito-hipotecario-el-procedimiento-ordinario","status":"publish","type":"post","link":"https:\/\/medinacuadrosabogados.com\/en\/otras-formas-de-reclamacion-del-credito-hipotecario-el-procedimiento-ordinario\/","title":{"rendered":"Other ways to claim mortgage credit: the ordinary procedure"},"content":{"rendered":"

[et_pb_section fb_built=\u00bb1″ _builder_version=\u00bb4.0.6″ collapsed=\u00bboff\u00bb][et_pb_row _builder_version=\u00bb4.0.6″ background_size=\u00bbinitial\u00bb background_position=\u00bbtop_left\u00bb background_repeat=\u00bbrepeat\u00bb width=\u00bb91%\u00bb custom_padding=\u00bb0px||||false|false\u00bb collapsed=\u00bboff\u00bb][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.0.6″ text_font=\u00bbOpen Sans||||||||\u00bb text_font_size=\u00bb16px\u00bb header_2_text_color=\u00bb#002b52″ header_2_line_height=\u00bb1.1em\u00bb background_size=\u00bbinitial\u00bb background_position=\u00bbtop_left\u00bb background_repeat=\u00bbrepeat\u00bb custom_margin=\u00bb0px||||false|false\u00bb custom_padding=\u00bb0px||||false|false\u00bb]Luis S\u00e1nchez P\u00e9rez,<\/strong>\u00a0<\/span>Director of the Commercial Department of\u00a0<\/span>Medina Cuadros in Granada,<\/strong>\u00a0<\/span>gave a lecture at the\u00a0<\/span>Foundation for Legal Studies and Practices<\/strong>\u00a0<\/span>of\u00a0<\/span>Grenade<\/strong>, included in a specialized course on Mortgage Foreclosure from the perspective of consumer and user rights.<\/p>\n

These days, which are aimed at\u00a0<\/span>lawyers<\/strong>\u00a0<\/span>practicing, professionals of all kinds\u00a0<\/span>legal areas<\/strong>\u00a0<\/span>and students of the\u00a0<\/span>Faculty of Law of the University of Granada<\/strong>, have aroused much interest among attendees, taking into account the latest\u00a0<\/span>judgments relating to late payment interest, abusive clauses,<\/strong>\u00a0<\/span>etc. that have modified the sector, giving rise to new ways of claiming the\u00a0<\/span>Mortgage Loans<\/strong>\u00a0<\/span>through other procedural alternatives other than the classic one\u00a0<\/span>Foreclosure, specifically the declaratory procedure.<\/strong><\/p>\n

Luis S\u00e1nchez<\/strong>\u00a0<\/span>He began his presentation by recalling the latest resolutions that have been issued in the field of\u00a0<\/span>Mortgage Loans<\/strong>: \u201cFollowing several rulings by the\u00a0<\/span>Court of Justice of the European Union<\/strong>\u00a0<\/span>relating to the declaration of certain financial clauses such as\u00a0<\/span>abusive<\/strong>\u00a0<\/span>(late-payment interest, early payment, etc.) connected with Directive 93\/13 of 5 April, as well as the preliminary question referred by the\u00a0<\/span>Supreme Court<\/strong>\u00a0<\/span>Since February 8, 2017, there has been a judicial stay of proceedings\u00a0<\/span>mortgage procedures<\/strong>\u00a0<\/span>of financial institutions in Spain.\u201d<\/p>\n

He\u00a0<\/span>Commercial Director of the office in Granada<\/strong>\u00a0<\/span>He continued his presentation by explaining the consequences of the new\u00a0<\/span>Rules<\/strong>\u00a0<\/span>dictated: \u201cAll this led to the search for alternatives to\u00a0<\/span>claim credits in arrears<\/strong>, so the ordinary declaratory procedure, despite being,\u00a0<\/span>prima facie<\/i>,<\/strong>\u00a0<\/span>an orthodox option, given the specific mortgage option, certainly admits its\u00a0<\/span>practice recognized by jurisprudence.\u201d<\/strong><\/p>\n

"And in the development of that procedure, he detailed\u00a0<\/span>Luis S\u00e1nchez,<\/strong>\u00a0<\/span>Various procedural issues arise, especially at the time of execution of the\u00a0<\/span>Judgment<\/strong>\u00a0<\/span>to be able to tie it to the\u00a0<\/span>mortgage guarantee<\/strong>\u00a0<\/span>by means of the annotation of the embargo\u00a0<\/span>ordinary execution.<\/strong>\u00a0<\/span>In this regard, the\u00a0General Directorate of Registries and Notaries\u00a0<\/strong>has spoken out in some 2018 resolutions regarding the\u00a0<\/span>attachment annotation<\/strong>\u00a0<\/span>by execution of\u00a0<\/span>judicial and non-judicial titles.\u201d<\/strong><\/p>\n

At the end of his lecture,\u00a0<\/span>Luis S\u00e1nchez<\/strong>\u00a0<\/span>He launched a reflection into the air: \u201cThis imaginative reality has been left in a\u00a0<\/span>impasse<\/em>\u00a0<\/span><\/strong>as a result of the\u00a0<\/span>Judgment of the Court of Justice of the European Union<\/strong>\u00a0<\/span>of March 26, 2019 (As. Abanca) in response to the preliminary question of the\u00a0<\/span>Supreme Court<\/strong>\u00a0<\/span>(integration of national law) and above all the upcoming entry into force of the\u00a0<\/span>Law 5\/2019,<\/strong>\u00a0<\/span>of March 15, regulating the\u00a0<\/span>\u201creal estate credit contracts\u201d<\/strong>.<\/p>\n

"We will have to be attentive to the new\u00a0<\/span>legal issues<\/strong>\u00a0<\/span>that will be presented in the Mortgage Executions in light of this new\u00a0<\/span>Rule<\/strong>\u2026\u201d.<\/p>\n

Presentation of the conference: "Other forms of mortgage credit claims: the ordinary procedure"<\/a><\/p>\n

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Luis S\u00e1nchez P\u00e9rez,\u00a0Director del departamento de Mercantil de\u00a0Medina Cuadros en Granada,\u00a0imparti\u00f3 una conferencia en la\u00a0Fundaci\u00f3n de Estudios y Pr\u00e1cticas Jur\u00eddicas\u00a0de\u00a0Granada, incluida en un curso especializado en Ejecuci\u00f3n Hipotecaria desde la perspectiva de los derechos de los consumidores y usuarios. Estas jornadas, que est\u00e1n dirigidas a\u00a0letrados\u00a0en ejercicio, profesionales de todos los\u00a0\u00e1mbitos jur\u00eddicos\u00a0y estudiantes de la\u00a0Facultad de […]<\/p>","protected":false},"author":4,"featured_media":3314,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\r\n

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\u00a0<\/p>\r\n","_et_gb_content_width":"","_oct_exclude_from_cache":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[6],"tags":[33,34,35,45,43,46,47],"class_list":["post-3307","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-abogados","tag-actividades-empresariales","tag-actos-sociales","tag-luis-sanchez","tag-medina-cuadros","tag-mercantil","tag-universidad-de-granada"],"yoast_head":"\nOtras formas de reclamaci\u00f3n del cr\u00e9dito hipotecario: el procedimiento ordinario - Medinacuadros<\/title>\n<meta name=\"description\" content=\"Luis S\u00e1nchez P\u00e9rez, Director del departamento de Mercantil de Medina Cuadros en Granada, imparti\u00f3 una conferencia en la Fundaci\u00f3n de Estudios y Pr\u00e1cticas Jur\u00eddicas de Granada, incluida en un curso especializado en Ejecuci\u00f3n Hipotecaria desde la perspectiva de los derechos de los consumidores y usuarios.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Otras formas de reclamaci\u00f3n del cr\u00e9dito hipotecario: el procedimiento ordinario - 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