Information requirements in consumer credit

credito al consumo

What is the information to be given to a consumer when you hire a loan?

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Requirements del guarantor for consumer


What are the requirements for the guarantor enjoys the protection granted to have the status of "consumer"?

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Comments of the STJUE 21 January 2015, Rafael Juan Juan Sanjose

interes de demora

Once declared invalid by being abusive interest for late payment, that clause must be expelled from the contract and therefore no interest, ni legal, or procedural, be applied.

We publish below the commentary on the judgment of the Court of Justice of the European Union by Rafael Juan Juan Sanjosé, Alternate Judge of the Provincial Court of Castellón.


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Clausulas abusivas: ¿Es consumidor el autónomo?

clausulas abusivas

Muchos Tribunales han interpretado que profesionales como economistas, abogados o notarios, no se consideran consumidores por sus conocimientos. However, el Tribunal de Justicia de la Unión Europea ha aclarado el concepto.

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Obligations of the bank to the consumer



What are the obligations of a financial institution when you contract with a consumer? What are the consequences of breach of these obligations?

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