{"id":23616,"date":"2015-02-17T21:47:26","date_gmt":"2015-02-17T20:47:26","guid":{"rendered":"https:\/\/www.in-diem.com\/banque-interets-de-defaut-abusifs\/"},"modified":"2026-08-20T20:36:12","modified_gmt":"2026-08-20T18:36:12","slug":"banque-interets-de-defaut-abusifs","status":"publish","type":"post","link":"https:\/\/www.in-diem.com\/fr\/banque-interets-de-defaut-abusifs\/","title":{"rendered":"BANQUE : Int\u00e9r\u00eats de d\u00e9faut abusifs"},"content":{"rendered":"<div class=\"vgblk-rw-wrapper limit-wrapper\">\n<p class=\"has-text-align-left has-small-font-size wp-block-paragraph\"><em>Important : Cet article <strong>rassemble une r\u00e9ussite historique<\/strong> <strong>d\u2019IN DIEM Abogados<\/strong> en mati\u00e8re <strong>d\u2019int\u00e9r\u00eats abusifs en d\u00e9faut<\/strong> et de contrats bancaires avec les consommateurs.<strong><\/strong> Son principal int\u00e9r\u00eat est de d\u00e9montrer une <strong>d\u00e9cision judiciaire favorable obtenue en 2015<\/strong> par l\u2019entreprise contre une institution financi\u00e8re, dans laquelle la proportionnalit\u00e9 des int\u00e9r\u00eats de retard de paiement et la protection des consommateurs contre des conditions contractuelles abusives ont \u00e9t\u00e9 analys\u00e9es. <\/em><\/p>\n\n<p class=\"wp-block-paragraph\">R\u00e9ductions et r\u00e9ductions du quota des travailleurs ind\u00e9pendants 2015<\/p>\n\n<p class=\"wp-block-paragraph\">IN DIEM Abogados obtient une d\u00e9cision judiciaire dans laquelle non seulement les clauses relatives aux int\u00e9r\u00eats en d\u00e9faut sont d\u00e9clar\u00e9es ill\u00e9gales, mais reproche \u00e9galement directement \u00e0 LA CAIXA l\u2019absence de loi et aux tribunaux de tol\u00e9rer les conditions contractuelles impos\u00e9es par l\u2019institution financi\u00e8re.<\/p>\n\n<p class=\"wp-block-paragraph\">En fait, le TRIBUNAL rappelle qu\u2019en ce qui concerne les int\u00e9r\u00eats en d\u00e9faut, sans oublier qu\u2019il existe un courant doctrinal et jurisprudentiel (STS du 2 octobre 2001 parmi bien d\u2019autres, ce dernier cit\u00e9 dans l\u2019ordonnance de l\u2019article 19 du Tribunal provincial de Barcelone du 19 d\u00e9cembre 2012 et le jugement de la m\u00eame section du 7 avril 2013),  selon laquelle, en mati\u00e8re d\u2019int\u00e9r\u00eats de d\u00e9faut, sa recouvrement se produit en raison d\u2019un comportement juridiquement r\u00e9pr\u00e9hensible ant\u00e9rieur du d\u00e9biteur et que sa demande sert \u00e0 la fois \u00e0 r\u00e9parer, sans complication d\u2019une preuve exhaustive et compl\u00e8te, le pr\u00e9judice subi par le cr\u00e9ancier, et \u00e0 constituer une incitation qui pousse le d\u00e9biteur \u00e0 se conformer volontairement,  compte tenu de la r\u00e9alit\u00e9 et de la gravit\u00e9 du pr\u00e9judice caus\u00e9 par le non-paiement ou le d\u00e9faut de paiement, il s\u2019ensuit que le concept d\u2019int\u00e9r\u00eat \u00e9lev\u00e9 et coercitif semble justifi\u00e9.<\/p>\n\n<p class=\"wp-block-paragraph\">Maintenant, la r\u00e9solution poursuit :<\/p>\n\n<p class=\"wp-block-paragraph\"><em>\u00ab Cependant, il est tout aussi vrai que la conclusion ne peut pas \u00eatre tir\u00e9e de cela qu\u2019il n\u2019existe aucun niveau de tol\u00e9rance, de sorte que tout type d\u2019int\u00e9r\u00eat p\u00e9nalisant est l\u00e9gal sans possibilit\u00e9 d\u2019appliquer des mesures correctives. \u00bb<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">\u00c0 cet \u00e9gard, il est averti :<\/p>\n\n<p class=\"wp-block-paragraph\"><em>\u00ab C\u2019est un probl\u00e8me, comme tant d\u2019autres dans le domaine juridique, de compatibilit\u00e9, de proportionnalit\u00e9 entre les principes, ceux qui tendent \u00e0 prot\u00e9ger ceux qui laissent l\u2019argent et qui sont l\u00e9s\u00e9s selon la mani\u00e8re et la mesure \u00e9voqu\u00e9s ci-dessus et doivent obtenir une r\u00e9paration ad\u00e9quate, ainsi que ceux qui subissent un d\u00e9faut de paiement \u00e0 cause du retard, en l\u2019occurrence les consommateurs,  qui ne peut \u00eatre tax\u00e9e au-del\u00e0 de ce qui est raisonnable \u00e0 la lumi\u00e8re des circonstances et des crit\u00e8res qui peuvent \u00eatre directement ou indirectement tir\u00e9s du syst\u00e8me juridique lui-m\u00eame. \u00bb<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">La d\u00e9cision judiciaire est directe et, avant que la r\u00e9clamation de la banque ne soit admise pour traitement, elle proc\u00e8de \u00e0 la nullit\u00e9 de l\u2019int\u00e9r\u00eat de d\u00e9faut, \u00e9quilibrant la situation commerciale entre la banque et le consommateur.<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<div class=\"indiem-faqs\"><style>.indiem-faqs {\n      width: 100%;\n      max-width: 900px;\n      margin: 28px auto;\n      box-sizing: border-box;\n      font-family: inherit;\n    }\n\n```\n.indiem-faqs * {\n  box-sizing: border-box;\n}\n\n.indiem-faqs-title {\n  margin: 0 0 16px 0;\n  color: #0A3151;\n  font-size: 24px;\n  line-height: 1.3;\n  font-weight: 700;\n}\n\n.indiem-faq-item {\n  margin-bottom: 10px;\n  border: 1px solid #E6E6E6;\n  border-radius: 12px;\n  background: #ffffff;\n  overflow: hidden;\n}\n\n.indiem-faq-item summary {\n  cursor: pointer;\n  padding: 15px 18px;\n  color: #0A3151;\n  font-size: 15px;\n  line-height: 1.4;\n  font-weight: 700;\n  background: #F8FAFC;\n  list-style: none;\n}\n\n.indiem-faq-item summary::-webkit-details-marker {\n  display: none;\n}\n\n.indiem-faq-item summary::after {\n  content: \"+\";\n  float: right;\n  color: #33B4D6;\n  font-size: 20px;\n  line-height: 1;\n  font-weight: 700;\n}\n\n.indiem-faq-item[open] summary::after {\n  content: \"\u2013\";\n}\n\n.indiem-faq-content {\n  padding: 14px 18px 16px 18px;\n  border-top: 1px solid #E6E6E6;\n  color: #333333;\n  font-size: 14px;\n  line-height: 1.55;\n}\n\n.indiem-faq-content p {\n  margin: 0;\n}\n\n@media (max-width: 520px) {\n  .indiem-faqs-title {\n    font-size: 21px;\n  }\n\n  .indiem-faq-item summary {\n    font-size: 14px;\n    padding: 14px 15px;\n  }\n\n  .indiem-faq-content {\n    font-size: 13px;\n    padding: 13px 15px 15px 15px;\n  }\n}\n```\n\n  <\/style><h2 class=\"indiem-faqs-title\">Preguntas frecuentes sobre intereses moratorios y cl\u00e1usulas abusivas bancarias<\/h2><details class=\"indiem-faq-item\"><summary>\u00bfPuede declararse nula una cl\u00e1usula de intereses de demora?<\/summary><div class=\"indiem-faq-content\"><p>S\u00ed. Una cl\u00e1usula de intereses moratorios puede ser declarada nula si impone al consumidor una carga excesiva, desproporcionada o contraria a los criterios de equilibrio contractual exigidos por la normativa de consumidores y usuarios.<\/p><\/div><\/details><details class=\"indiem-faq-item\"><summary>\u00bfTodo inter\u00e9s de demora elevado es autom\u00e1ticamente abusivo?<\/summary><div class=\"indiem-faq-content\"><p>No necesariamente. Debe analizarse el contrato, el tipo de operaci\u00f3n, la posici\u00f3n de las partes y la proporcionalidad de la penalizaci\u00f3n. Sin embargo, los tribunales pueden corregir o anular intereses que superen los l\u00edmites de tolerancia jur\u00eddica.<\/p><\/div><\/details><details class=\"indiem-faq-item\"><summary>\u00bfQu\u00e9 valora el juez al analizar una cl\u00e1usula bancaria de este tipo?<\/summary><div class=\"indiem-faq-content\"><p>El juez puede valorar si la cl\u00e1usula fue impuesta por la entidad financiera, si existi\u00f3 negociaci\u00f3n real, si el consumidor comprendi\u00f3 sus consecuencias y si el inter\u00e9s aplicado resulta equilibrado o genera un perjuicio injustificado.<\/p><\/div><\/details><details class=\"indiem-faq-item\"><summary>\u00bfPuede el juzgado revisar estas cl\u00e1usulas antes de admitir una demanda bancaria?<\/summary><div class=\"indiem-faq-content\"><p>En determinados procedimientos, el juzgado puede realizar un control de oficio de cl\u00e1usulas potencialmente abusivas antes de continuar con la reclamaci\u00f3n de la entidad bancaria. Esta revisi\u00f3n busca evitar que se ejecuten condiciones contractuales contrarias a derecho.<\/p><\/div><\/details><details class=\"indiem-faq-item\"><summary>\u00bfQu\u00e9 efectos tiene la nulidad de los intereses moratorios?<\/summary><div class=\"indiem-faq-content\"><p>La nulidad puede impedir que la entidad financiera aplique esos intereses en perjuicio del consumidor. El efecto concreto depender\u00e1 del procedimiento, del contrato y de la resoluci\u00f3n judicial que se dicte.<\/p><\/div><\/details><details class=\"indiem-faq-item\"><summary>\u00bfQu\u00e9 debe revisar un consumidor si recibe una reclamaci\u00f3n bancaria?<\/summary><div class=\"indiem-faq-content\"><p>Conviene revisar el contrato, las cl\u00e1usulas de vencimiento, intereses ordinarios y moratorios, comisiones, liquidaciones practicadas, comunicaciones de la entidad y cualquier demanda o requerimiento recibido.<\/p><\/div><\/details><\/div>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">Des avocats experts en droit bancaire, clauses abusives et int\u00e9r\u00eats en d\u00e9faut<\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>IN DIEM Abogados<\/strong> poss\u00e8de de l\u2019exp\u00e9rience dans la d\u00e9fense des consommateurs, des particuliers et des entreprises contre les institutions financi\u00e8res dans des proc\u00e9dures li\u00e9es \u00e0 <strong>des clauses abusives<\/strong>, <strong>des int\u00e9r\u00eats de retard<\/strong> de paiement, des saisies bancaires, des pr\u00eats hypoth\u00e9caires et des contrats financiers.<\/p>\n\n<p class=\"wp-block-paragraph\">L\u2019analyse de ce type de situation n\u00e9cessite de revoir le contrat, la condition du consommateur, le taux d\u2019int\u00e9r\u00eat appliqu\u00e9, la proportionnalit\u00e9 de la clause, les informations fournies par la banque ainsi que les r\u00e9glementations actuelles sur la protection du consommateur et les conditions g\u00e9n\u00e9rales de contrat.<\/p>\n\n<p class=\"wp-block-paragraph\">Les services li\u00e9s au droit bancaire incluent :<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Examen des clauses abusives<\/strong> dans les pr\u00eats, cr\u00e9dits et contrats bancaires.<\/li>\n\n\n\n<li><strong>Analyse des int\u00e9r\u00eats de d\u00e9faut et des possibles abus<\/strong> dans les contrats financiers.<\/li>\n\n\n\n<li><strong>D\u00e9fense dans les ex\u00e9cutions bancaires<\/strong> et les proc\u00e9dures d\u00e9coulant de non-paiements.<\/li>\n\n\n\n<li><strong>Des r\u00e9clamations contre des institutions financi\u00e8res<\/strong> pour des conditions contractuelles abusives.<\/li>\n\n\n\n<li><strong>Conseils juridiques<\/strong> sur les contrats bancaires, les consommateurs et les utilisateurs.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>IN DIEM Abogados<\/strong> peut analyser la documentation de l\u2019affaire, \u00e9valuer l\u2019existence de clauses injustes et \u00e9tudier les moyens de r\u00e9clamation ou de d\u00e9fense les plus appropri\u00e9s selon la situation sp\u00e9cifique.<\/p>\n\n<p class=\"wp-block-paragraph\">Si vous devez examiner une clause <strong>d\u2019int\u00e9r\u00eat de d\u00e9faut<\/strong>, une saisie bancaire ou une \u00e9ventuelle condition abusive dans un contrat financier, vous pouvez demander une consultation IN DIEM pour analyser la documentation et \u00e9valuer les options juridiques disponibles.<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0029a4\"><strong>Saviez-vous qu\u2019Abogados IN DIEM propose un service en ligne et un service express ?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nous offrons \u00e0 nos clients la possibilit\u00e9 d\u2019\u00eatre assist\u00e9s par appel vid\u00e9o ou visioconf\u00e9rence, ainsi que par t\u00e9l\u00e9phone, selon leurs pr\u00e9f\u00e9rences, afin que l\u2019assistance soit la plus personnalis\u00e9e, avec une imm\u00e9diatet\u00e9 absolue et sans besoin de se d\u00e9placer. Ce service est compl\u00e9t\u00e9 par une communication par e-mail, ce qui facilite l\u2019analyse et la livraison de la documentation. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De m\u00eame, pour les entreprises et les particuliers, IN DIEM Abogados propose des services urgents et une attention 24h\/24 pour les questions n\u00e9cessitant une r\u00e9ponse rapide.<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color has-custom-font-size wp-element-button\" href=\"https:\/\/www.in-diem.com\/fr\/avocats-en-ligne\/\" style=\"background-color:#33c0d6;font-size:15px\"><strong>Conseils juridiques en ligne<\/strong><\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color has-custom-font-size wp-element-button\" href=\"https:\/\/www.in-diem.com\/fr\/contact\/\" style=\"background-color:#33c0d6;font-size:15px\"><strong>Service 24h\/24 et en urgence<\/strong><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0029a4\">Voulez-vous en savoir plus sur les avocats IN Diem ? Nous vous laissons avec cette courte vid\u00e9o de pr\u00e9sentation&#8230; <\/h2>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"In Diem Abogados Sevilla\" width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/wQFpoA1gOfQ?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#0029a4\">Pour quelques reconnaissances, nous vous laissons ce <a href=\"https:\/\/www.proveedores.com\/proveedores\/abogados-in-diem-asesoramiento-personal-y-online-especializado\/\"><strong>lien.<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous nous trouverez \u00e0 S\u00e9ville, Madrid, Las Palmas de Gran Canaria, Malaga, Tomares, Coria del Rio, Dos Hermanas, Mairena del Alcor, Estepona, Marbella et Mairena del Aljarafe. Ce sera un plaisir de vous aider. <\/p>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><!-- .vgblk-rw-wrapper -->","protected":false},"excerpt":{"rendered":"<p>Histoire \u00e0 succ\u00e8s d\u2019IN DIEM Abogados dans laquelle une d\u00e9cision judiciaire favorable est obtenue d\u00e9clarant la nullit\u00e9 des int\u00e9r\u00eats de d\u00e9faut impos\u00e9s par une banque, en consid\u00e9rant que des sanctions disproportionn\u00e9es ne peuvent pas \u00eatre appliqu\u00e9es au d\u00e9triment du consommateur.<\/p>\n","protected":false},"author":3,"featured_media":23617,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_joinchat":[],"footnotes":""},"categories":[6566,6331],"tags":[7240,8450,7258,8451,8459,7256,8457,8465,7241,7153,7660,8469,7800,8448,8467,8455,8453,8463,8461],"class_list":["post-23616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-histoires-de-reussite","category-procureur","tag-clauses-abusives","tag-clauses-bancaires-abusives","tag-consommateurs-bancaires","tag-contrats-bancaires","tag-controle-de-la-violence","tag-creance-bancaire","tag-defense-des-consommateurs","tag-desequilibre-contractuel","tag-droit-bancaire","tag-droit-financier","tag-institutions-financieres","tag-interet-abusif","tag-interets-de-paiement-tardif","tag-interets-de-paiement-tardif-2","tag-jurisprudence-bancaire","tag-la-caixa","tag-nulite-des-clauses-abusives","tag-pret-bancaire","tag-procedure-bancaire"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Int\u00e9r\u00eat abusif en d\u00e9faut dans les contrats bancaires<\/title>\n<meta name=\"description\" content=\"IN DIEM Abogados parvient \u00e0 une r\u00e9solution favorable qui d\u00e9clare nul et non non avenu l\u2019int\u00e9r\u00eat de d\u00e9faut impos\u00e9 par une banque.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.in-diem.com\/fr\/banque-interets-de-defaut-abusifs\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Int\u00e9r\u00eat abusif en d\u00e9faut dans les contrats bancaires\" \/>\n<meta property=\"og:description\" content=\"IN DIEM Abogados parvient \u00e0 une r\u00e9solution favorable qui d\u00e9clare nul et non non avenu 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