Unfair terms

Are overdraft fees voidable?


comisiones bancarias


¿Es correcto el cobro de comisiones por descubierto? ¿Cabe cobrar a la vez comisiones por descubierto e intereses de demora?

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The Court cannot deny ex officio control of unfair terms

clausulas abusivas

The Constitutional Court reiterates that a court cannot deny ex officio control of unfair terms

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Can the anatocism pact be annulled?


Las audiencias provinciales, declaran mayoritariamente la nulidad del pacto de anatocismo cuando el prestatario es consumidor


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The CJEU reiterates its concept of "consumer"

concepto consumidor TJUE

If the client does not act within a professional activity, must be qualified as a "consumer"

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What unfair terms should be reviewed ex officio by the judge?


clausulas abusivas

The judge must officially examine the abusiveness of clauses which relate to the subject of the dispute

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