Comunicaciones al DO nº C-691/19 of Tribunal de Justicia, President, November 29, 2019
Resolution Date | November 29, 2019 |
Issuing Organization | President |
Decision Number | C-691/19 |
Petición de decisión prejudicial presentada por la Audiencia Provincial de Alicante (España) el 18 de septiembre de 2019 - Banco Santander, S.A. / VF y WD
(Asunto C-691/19)
Lengua de procedimiento: español
Órgano jurisdiccional remitente
Audiencia Provincial de Alicante
Partes en el procedimiento principal
Apelante: Banco Santander, SA
Apelados: VF y WD
Cuestiones prejudiciales
¿ Es compatible con el principio de no vinculación reconocido en el artículo 6.1 de la Directiva1 , una interpretación judicial (consistente en que la devolución de las cantidades indebidamente pagadas en virtud de la cláusula de gastos, inserta en un contrato de préstamo hipotecario celebrado con un consumidor, no es un efecto de la declaración de nulidad sino una acción autónoma, sujeta a plazo de prescripción) que permite que el consumidor quede definitivamente vinculado por la cláusula de gastos, en cuanto no podrá obtener su reembolso si dicha acción ha prescrito?
¿Es compatible con dicho principio el instituto de la prescripción de la pretensión de restitución de lo indebidamente pagado en virtud de la aplicación de la cláusula declarada abusiva, en cuanto pueda suponer la pérdida del derecho restitutorio, no obstante la declaración de nulidad de la cláusula?
Caso de respuesta afirmativa, ¿el concepto de «plazo razonable de prescripción» a que se ha referido el TJUE debe ser interpretado con unos parámetros exclusivamente nacionales o, al contrario, la razonabilidad debe contar algún tipo de exigencia, a fin de proporcionar un nivel mínimo de protección a los consumidores prestatarios en todo el ámbito de la Unión...
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