{"id":249,"date":"2022-07-13T11:15:00","date_gmt":"2022-07-13T09:15:00","guid":{"rendered":"http:\/\/afirma-juridico.local\/?p=249"},"modified":"2024-02-13T09:37:09","modified_gmt":"2024-02-13T08:37:09","slug":"consumidores-y-usuarios-reclamacion-al-fiador-es-necesario-que-el-banco-o-cualquier-otro-acreedor-intente-cobrar-primero-del-deudor-clausula-abusiva","status":"publish","type":"post","link":"https:\/\/afirmajuridico.com\/cat\/consumidores-y-usuarios-reclamacion-al-fiador-es-necesario-que-el-banco-o-cualquier-otro-acreedor-intente-cobrar-primero-del-deudor-clausula-abusiva\/","title":{"rendered":"Consumidors i usuaris. Reclamaci\u00f3 al fiador: \u00c9s necessari que el banc o qualsevol altre creditor intenti cobrar primer del deutor? Cl\u00e0usula abusiva."},"content":{"rendered":"<p><br>La resposta a aquesta pregunta \u00e9s que, en principi, s\u00ed. \u00c9s l&#039;efecte dels anomenats &#039;beneficis d&#039;ordre, excussi\u00f3 i divisi\u00f3&#039; que estableix amb car\u00e0cter general el Codi Civil en inter\u00e8s del fiador i que v\u00e9nen a significar, en resum, que primer cal reclamar al deutor principal i si no paga, intentar localitzar prou b\u00e9ns embargar-los i cobrar el deute i, nom\u00e9s si aix\u00f2 \u00e9s insuficient llavors el creditor pot anar contra el fiador.&nbsp;<\/p>\n\n\n\n<p>Aix\u00f2 no obstant, el mateix Codi contempla la possibilitat que el fiador renunci\u00ef a aquests beneficis i, si ho fa, l&#039;efecte \u00e9s que el fiador passar\u00e0 a respondre de forma simult\u00e0nia amb el deutor principal de manera que el creditor podr\u00e0 reclamar la totalitat de la deute al deutor i al fiador, alhora contra tots dos. Aquest sup\u00f2sit, el de ren\u00fancia a aquests drets, \u00e9s el que s&#039;ha imposat a la pr\u00e0ctica en tota la contractaci\u00f3 banc\u00e0ria.&nbsp;<\/p>\n\n\n\n<p>Sobre aix\u00f2, el 24 de juny de 2022, l&#039;Audi\u00e8ncia Provincial de Tenerife va dictar una sent\u00e8ncia en qu\u00e8 es declara la nul\u00b7litat de la ren\u00fancia autom\u00e0tica de drets pel fiador, que, mancant coneixements jur\u00eddics b\u00e0sics no coneix ni ha de con\u00e8ixer les connotacions jur\u00eddiques d&#039;aquesta ren\u00fancia de drets i, en abs\u00e8ncia d&#039;informaci\u00f3, no es pot concloure que el fiador hagi adquirit un coneixement exacte o aproximat de la c\u00e0rrega econ\u00f2mica i les conseq\u00fc\u00e8ncies jur\u00eddiques que es derivaven de la cl\u00e0usula de ren\u00fancia de drets que va subscriure, al contrari, era \u201cperfectament raonable que la fiadora pens\u00e9s o pogu\u00e9s pensar que \u00fanicament hauria de pagar quan deix\u00e9s de fer-ho l&#039;obligat principal per no tenir mitjans per afrontar la seva obligaci\u00f3\u2026\u201d.&nbsp;<\/p>\n\n\n\n<p>La sent\u00e8ncia segueix en definitiva la jurisprud\u00e8ncia del Tribunal Suprem, com la que reflecteix la sent\u00e8ncia 56\/2020, de 27 de gener, que va entendre que, al contracte de fian\u00e7a, quan el fiador actua com a consumidor, s&#039;han d&#039;efectuar els controls d&#039;incorporaci\u00f3 i transpar\u00e8ncia. material i abusivitat; en definitiva, cal analitzar cas a cas quina ha estat la informaci\u00f3 que se li ha facilitat al fiador en la fase precontractual i la claredat de redacci\u00f3 de la cl\u00e0usula, i si se&#039;n despr\u00e8n que el fiador no va tenir coneixement de les conseq\u00fc\u00e8ncies jur\u00eddiques i econ\u00f2miques de la ren\u00fancia als seus drets, llavors aquesta ren\u00fancia seria nul\u00b7la.<\/p>","protected":false},"excerpt":{"rendered":"<p>Reclamaci\u00f3 al fiador: \u00c9s obligatori cobrar primer del deutor? Descobreix la legalitat i la nul\u00b7litat de cl\u00e0usules abusives.<\/p>","protected":false},"author":1,"featured_media":410,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"normal-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"disabled","ast-banner-title-visibility":"disabled","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"disabled","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"class_list":["post-249","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-derecho-bancario-financiero-y-de-seguros"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Consumidores y usuarios. 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