{"id":4315,"date":"2019-06-10T09:37:39","date_gmt":"2019-06-10T07:37:39","guid":{"rendered":"https:\/\/medinacuadrosabogados.com\/other-forms-of-mortgage-loan-claims-ordinary-proceedings\/"},"modified":"2023-12-11T16:44:21","modified_gmt":"2023-12-11T15:44:21","slug":"other-forms-of-mortgage-loan-claims-ordinary-proceedings","status":"publish","type":"post","link":"https:\/\/medinacuadrosabogados.com\/en\/other-forms-of-mortgage-loan-claims-ordinary-proceedings\/","title":{"rendered":"Other forms of mortgage loan claims: ordinary proceedings"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.0.6&#8243; collapsed=\u00bboff\u00bb][et_pb_row _builder_version=\u00bb4.0.6&#8243; 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&#8243; _builder_version=\u00bb3.25&#8243; custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.0.6&#8243; text_font=\u00bbOpen Sans||||||||\u00bb text_font_size=\u00bb16px\u00bb header_2_text_color=\u00bb#002b52&#8243; 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]<strong>Luis S\u00e1nchez P\u00e9rez,<\/strong><span> <\/span>Director of the Commercial Department of<span> <\/span><strong>Medina Cuadros in Granada,<\/strong><span> <\/span>gave a lecture at the<span> <\/span><strong>Foundation for Legal Studies and Practices<\/strong><span> <\/span>from<strong><span> <\/span>Grenade<\/strong>, included in a specialized course on Foreclosure from the perspective of consumer and user rights.<\/p>\n<p>This conference is aimed at<strong><span> <\/span>.<\/strong><span> <\/span>practicing professionals from all<strong>legal fields<span> <\/span><\/strong><span> <\/span>and students of the<span> <\/span><strong>Faculty of Law of the University of Granada<\/strong>, have aroused much interest among the attendees, taking into account the latest<strong><span> <\/span>judgments relating to interest for late payment, unfair terms<\/strong>,<span> <\/span>etc that have modified the sector, giving rise to new ways of reclaiming the<span> <\/span><strong>Mortgage Loans<\/strong><span> <\/span>through other procedural alternatives other than the classic<strong><span> <\/span>Foreclosure, specifically the declaratory procedure<\/strong>.<\/p>\n<p><strong>Luis Sanchez<\/strong><span> <\/span>began his presentation by recalling the latest resolutions that have been made in the area of<span> <\/span><strong>Mortgage loans<\/strong>: \u00abAs a result of several rulings by the<span> <\/span><strong>Court of Justice of the European Union<\/strong><span> <\/span>relating to the declaration of certain financial covenants as<span> <\/span><strong>abusive<\/strong><span> <\/span>(interest on late payment, early maturity, etc.) connected to Directive 93\/13 of 5 April, as well as the question referred for a preliminary ruling by the<span> <\/span><strong>Supreme Court<\/strong><span> <\/span>of February 8, 2017, there has been a judicial stay on the<span> <\/span><strong>mortgage proceedings<\/strong><span> <\/span>of financial institutions in Spain\u00bb.<\/p>\n<p>The<span> <\/span><strong>Commercial Director of the firm&#039;s Granada office<\/strong><span> <\/span>continued his presentation by explaining the consequences of the new<strong><span> <\/span>Standards<\/strong><span> <\/span>all this led to the search for alternatives for the development of a new<span> <\/span>The ordinary declaratory proceeding, although it is an ordinary proceeding, is the only way to <strong>claim the credits in default<\/strong>, and therefore the ordinary declaratory proceeding, although it is an ordinary proceeding, is the only way to <strong>claim the credits in default<\/strong>,<span> <\/span><strong><i>prima facie<\/i>,<\/strong><span> <\/span>an orthodox option, since the specific mortgage route exists, it certainly admits its<strong><span> <\/span>exercise recognized by the jurisprudence.<\/strong><\/p>\n<p>\u00abAnd in furtherance of that procedure, I have detailed.<span> <\/span><strong>Luis Sanchez,<\/strong><span> <\/span>various procedural questions arise, especially at the time of the execution of the<strong><span> <\/span>judgment<\/strong>.<span> <\/span>to tie it to the<strong><span> <\/span>mortgage guarantee<\/strong>.<span> <\/span>by means of an annotation of attachment of the<span> <\/span><strong>ordinary execution.<\/strong><span> <\/span>In this regard, the <strong>Directorate General of Registries and Notaries <\/strong>has ruled in some resolutions of 2018 regarding the<strong><span> <\/span>annotation of seizure<\/strong><span> <\/span>by execution of<span> <\/span><strong>judicial and non-judicial titles\u00bb.<\/strong><\/p>\n<p>At the end of his lecture,<strong><span> <\/span>Luis S\u00e1nchez<\/strong><span> <\/span>The imaginative reality has been left in an impasse,\u201d he said.<strong><br \/>\n  <em><span> <\/span>impasse<\/em><br \/>\n  <span> <\/span><br \/>\n<\/strong>as a consequence of the<span> <\/span><strong>Judgment of the Court of Justice of the European Union<\/strong><span> <\/span>of 26 March 2019 (As. Abanca) in response to the preliminary question of the<strong><span> <\/span>Supreme Court<\/strong><span> <\/span>(integration of national law) and above all the upcoming entry into force of the<span> <\/span><strong>Law 5\/2019,<\/strong><span> <\/span>of March 15, regulating the<span> <\/span><strong>real estate credit contracts\u00bb<\/strong>.<\/p>\n<p>\u00abWe will have to be attentive to the new<strong><span> <\/span>legal issues<\/strong>.<span> <\/span>that will be presented in foreclosures in light of this new<strong><span> <\/span>Rule<\/strong>\u2026\u00bb.<\/p>\n<p><a href=\"https:\/\/medinacuadrosabogados.com\/wp-content\/uploads\/2022\/05\/190606.-LSP.-ICAGR-Procedimientos-Hipodeclarativos.pdf\" target=\"_blank\" rel=\"noopener\">Presentation of the conference: \u00abOther forms of mortgage credit claims: the ordinary procedure\u00bb.<\/a><\/p>\n<div class=\"clear\"><\/div>\n<div class=\"about-author-wrapper\">\n<div class=\"about-author-title gdl-link-title gdl-title\"><\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>","protected":false},"excerpt":{"rendered":"<p>Luis S\u00e1nchez P\u00e9rez, Director of the Commercial Department of Medina Cuadros in Granada, gave a lecture at the Foundation for Legal Studies and Practices from Granada, included in a specialized course on Foreclosure from the perspective of consumer and user rights. This conference is aimed at . practicing professionals from alllegal fields and students of [&hellip;]<\/p>","protected":false},"author":4,"featured_media":4155,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_oct_exclude_from_cache":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[151],"tags":[152,166,178,154,179,170,180],"class_list":["post-4315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-business-activities","tag-lawyers","tag-luis-sanchez-en","tag-medina-cuadros-en","tag-mercantil-en","tag-social-events","tag-university-of-granada"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Other forms of mortgage loan claims: ordinary proceedings - Medinacuadros<\/title>\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=\"Other forms of mortgage loan claims: ordinary proceedings - Medinacuadros\" \/>\n<meta property=\"og:description\" content=\"Luis S\u00e1nchez P\u00e9rez, Director of the Commercial Department of Medina Cuadros in Granada, gave a lecture at the Foundation for Legal Studies and Practices from Granada, included in a specialized course on Foreclosure from the perspective of consumer and user rights. 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