{"id":1209,"date":"2024-01-12T10:44:44","date_gmt":"2024-01-12T09:44:44","guid":{"rendered":"https:\/\/www.sarceabogados.es\/?page_id=1209"},"modified":"2024-02-18T11:46:51","modified_gmt":"2024-02-18T10:46:51","slug":"creditosalconsumo","status":"publish","type":"page","link":"https:\/\/www.sarceabogados.es\/en\/consumer-credits\/","title":{"rendered":"consumer credits"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1209\" class=\"elementor elementor-1209\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c19e059 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c19e059\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-af969af\" data-id=\"af969af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d65ac2 elementor-widget__width-auto elementor-mobile-align-center elementor-widget-mobile__width-auto elementor-widget elementor-widget-breadcrumbs\" data-id=\"7d65ac2\" data-element_type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/www.sarceabogados.es\/en\">Start<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae018cf elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ae018cf\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Consumer credits and personal loans<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa42be5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fa42be5\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cb55d3d elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"cb55d3d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-8f75077\" data-id=\"8f75077\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87477f8 elementor-widget elementor-widget-spacer\" data-id=\"87477f8\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-701c80f\" data-id=\"701c80f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e488d02 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e488d02\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3481c14\" data-id=\"3481c14\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-333f55c elementor-widget elementor-widget-heading\" data-id=\"333f55c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get informed<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef0a9fd elementor-widget elementor-widget-heading\" data-id=\"ef0a9fd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">696 079 956<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eedcde6 elementor-widget elementor-widget-heading\" data-id=\"eedcde6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7 days a week<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb87317 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"bb87317\" data-element_type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Siguiente&quot;,&quot;step_previous_label&quot;:&quot;Anterior&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Nuevo formulario\" action=\"\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"1209\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"bb87317\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Sarce Abogados\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Name\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_409760b elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_409760b]\" id=\"form-field-field_409760b\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Phone\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"Tell us your doubts\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-checkbox elementor-field-group elementor-column elementor-field-group-field_9350713 elementor-col-100\">\n\t\t\t\t\t<div class=\"elementor-field-subgroup\"><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Deseo recibir comunicaciones comerciales de Sarce Abogados con novedades que puedan ser de mi inter\u00e9s.\" id=\"form-field-field_9350713-0\" name=\"form_fields[field_9350713]\"> <label for=\"form-field-field_9350713-0\">I wish to receive commercial communications from Sarce Abogados with news that may be of interest to me.<\/label><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_71d2d1d elementor-col-100 recaptcha_v3-bottomright\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_71d2d1d\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6Lfgkk4pAAAAAAgTbHmdI6sbo5fJrGha5FKb8JuL\" data-type=\"v3\" data-action=\"Form\" data-badge=\"bottomright\" data-size=\"invisible\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Send<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4ee8d6 elementor-widget elementor-widget-text-editor\" data-id=\"e4ee8d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sarce Abogados will process the information you enter in the form to contact you and answer your query. You can access, rectify and delete the data, as well as exercise other rights, as explained in the additional information available in the <a href=\"https:\/\/www.marcoabogado.es\/politica-de-privacidad\/\" target=\"_blank\" rel=\"noopener noreferrer\">Privacy Policy<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-73cadc5\" data-id=\"73cadc5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0b976b3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0b976b3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-caaf0b6\" data-id=\"caaf0b6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-99516cb elementor-view-framed elementor-shape-circle elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"99516cb\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-money-bill-wave\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWE ONLY CHARGE IF YOU GET YOUR MONEY BACK\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-23ce4ce\" data-id=\"23ce4ce\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57f11fd elementor-view-framed elementor-shape-circle elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"57f11fd\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-coins\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNO ADVANCE <br>OF FUNDS\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1fe8a6d\" data-id=\"1fe8a6d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fb82e56 elementor-view-framed elementor-shape-circle elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"fb82e56\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-house-user\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWITHOUT MOVING<br> FROM YOUR HOUSE\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c09df44 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c09df44\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d1cbebd\" data-id=\"d1cbebd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88ae745 elementor-widget elementor-widget-heading\" data-id=\"88ae745\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DO I HAVE AN ABUSIVE CREDIT OR LOAN?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9f24b4b\" data-id=\"9f24b4b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-08d4dc9 elementor-widget elementor-widget-heading\" data-id=\"08d4dc9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Consumer loans or abusive loans?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4825031 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4825031\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cf6d23 elementor-widget elementor-widget-text-editor\" data-id=\"5cf6d23\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Really the \u201c<strong>abusive interests<\/strong>&quot;, which we colloquially call that, are usurious interests and the Law to be applied on Usury is the\u00a0<strong>Law of repression of Usury of 1908.\u00a0<\/strong>This law declares void \u201c<strong>the interest noticeably higher than the normal amount of money and manifestly disproportionate<\/strong>\u201d. One of the arguments that banks used to excuse themselves from this practice was the consent of the consumer, who, by signing the loan contract, was accepting its conditions.<\/p><p>\u00a0<\/p><p>Well, given the distressing situation in which you found yourself when signing or your completely normal inexperience, the acceptance of the contract is flawed, and even more so if the bank deceived you or misled you into believing conditions that they were not.<\/p><p><strong><u>Supreme Court ruling of November 25, 2015.\u00a0<\/u><\/strong>It is the ruling that protects many of the Spaniards who have already sued the abuse of their personal credits, to whom the\u00a0<strong>usurious interests<\/strong>, manifestly disproportionate to the circumstances of the case. Furthermore, the financial company cannot justify the concurrence of circumstances that support excessive interest, it can only claim the consent of the consumer, which has already been ruled, with the protection of justice, not to be a valid expression of will.<\/p><p>To assess whether the interest is higher than the normal interest of money,\u00a0<strong>You must compare the APR set in the operation and the average interest of consumer loans, on the date you arranged it.\u00a0<\/strong>Note that the percentage of the\u00a0<strong>APR<\/strong>\u00a0(Equivalent annual rate), is calculated taking legally predetermined rates and based on the \u201cexpenses\u201d that the borrower simply has to pay for the loan.<\/p><p><strong>And above all! The APR percentage is NOT nominal.\u00a0<\/strong>With this percentage we can know if the interest they have been charging us is noticeably higher than normal money. In no case should you compare it with the nominal interest.<\/p><p>The Bank of Spain has provided the Bank of Spain calculator, with which you can do these simple operations. The APR must be provided to you by the bank if it has not already done so. They have the obligation to do so based on the \u201ctransparency\u201d that is legally required of them, especially with regard to the user&#039;s right to compare their loan offer and that of other banks. ad<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bc7e489 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc7e489\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-75b7345\" data-id=\"75b7345\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ba5810e elementor-widget elementor-widget-heading\" data-id=\"ba5810e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WHY SARCE LAWYERS?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8acd548\" data-id=\"8acd548\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74fd98c elementor-widget elementor-widget-heading\" data-id=\"74fd98c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WHY CAN I COMPLAIN?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efd3bb8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"efd3bb8\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a3387a elementor-widget elementor-widget-text-editor\" data-id=\"4a3387a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Abusive interests are claimed by resorting to\u00a0<strong>Usury Repression Law<\/strong>, also called\u00a0<strong>Azcarate Law<\/strong>, which estimates the<strong>\u00a0nullity of all those contracts\u00a0<\/strong>in which usury exists. And this can be applied to any type of loan, regardless of the amount, the entity or the client, as long as the interest exceeds the normal interest on money, as we mentioned in the previous section.\u00a0<\/p><p>\u00a0<\/p><p>Now, on paper this sounds great, but\u2026 How is the\u00a0<strong>Azcarate Law<\/strong>? Well, we are going to tell you the two practical cases in which it would be possible to apply it:<\/p><p>\u00a0<\/p><ol><li>You may have realized reading this post that\u00a0<strong>The default interest on your loan is abusive<\/strong>. In this case, you are still paying it, so if you go to court and they rule in your favor, you will have to return the initial amount of money requested to the bank, without any interest. Continuing with the example that we gave you at the beginning of the article: if you request 1,000 euros, you return 1,000 euros, nothing more. Because the entity would earn the rest of the money illegally.\u00a0<\/li><li>If you finished paying your loan a long time ago but it is now that you have realized that you paid much more money for your loan than it really deserved, you still have time to<strong>\u00a0resort to the Usury Repression Law<\/strong>. How will it work in this case? Well, the bank will be forced to return all the extra money you paid in interest. Or what is the same: if you requested 1,000 euros and had to return 700 as interest rate, these 700 will be returned to you in accordance with previous rulings against usury.\u00a0<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-1139f51\" data-id=\"1139f51\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Cr\u00e9ditos al consumo y Prestamos personales Inf\u00f3rmate 696 079 956 7 d\u00edas a la semana Sarce Abogados tratar\u00e1 la informaci\u00f3n que introduzcas en el formulario para ponerse en contacto contigo y contestar a tu consulta. Puedes acceder, rectificar y suprimir los datos, as\u00ed como ejercer otros derechos, tal y como se explica en la informaci\u00f3n [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1138,"parent":0,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1209","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cr\u00e9ditos al consumo | Sarce Abogados<\/title>\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.sarceabogados.es\/en\/consumer-credits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9ditos al consumo | Sarce Abogados\" \/>\n<meta property=\"og:description\" content=\"Cr\u00e9ditos al consumo y Prestamos personales Inf\u00f3rmate 696 079 956 7 d\u00edas a la semana Sarce Abogados tratar\u00e1 la informaci\u00f3n que introduzcas en el formulario para ponerse en contacto contigo y contestar a tu consulta. Puedes acceder, rectificar y suprimir los datos, as\u00ed como ejercer otros derechos, tal y como se explica en la informaci\u00f3n [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sarceabogados.es\/en\/consumer-credits\/\" \/>\n<meta property=\"og:site_name\" content=\"Sarce Abogados\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-18T10:46:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.sarceabogados.es\/wp-content\/uploads\/2024\/01\/sarce0041.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.sarceabogados.es\/creditosalconsumo\/\",\"url\":\"https:\/\/www.sarceabogados.es\/creditosalconsumo\/\",\"name\":\"Cr\u00e9ditos al consumo | Sarce Abogados\",\"isPartOf\":{\"@id\":\"https:\/\/www.sarceabogados.es\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.sarceabogados.es\/creditosalconsumo\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.sarceabogados.es\/creditosalconsumo\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.sarceabogados.es\/wp-content\/uploads\/2024\/01\/sarce0041.jpeg\",\"datePublished\":\"2024-01-12T09:44:44+00:00\",\"dateModified\":\"2024-02-18T10:46:51+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.sarceabogados.es\/creditosalconsumo\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.sarceabogados.es\/creditosalconsumo\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.sarceabogados.es\/creditosalconsumo\/#primaryimage\",\"url\":\"https:\/\/www.sarceabogados.es\/wp-content\/uploads\/2024\/01\/sarce0041.jpeg\",\"contentUrl\":\"https:\/\/www.sarceabogados.es\/wp-content\/uploads\/2024\/01\/sarce0041.jpeg\",\"width\":1920,\"height\":1280,\"caption\":\"Businessman Shaking hands with Professional male lawyer after discussing good deal of contract in courtroom, Concepts of law, Legal services advice at the law office.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.sarceabogados.es\/creditosalconsumo\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Inicio\",\"item\":\"https:\/\/www.sarceabogados.es\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9ditos al consumo\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.sarceabogados.es\/#website\",\"url\":\"https:\/\/www.sarceabogados.es\/\",\"name\":\"Sarce Abogados\",\"description\":\"Su abogado de confianza\",\"publisher\":{\"@id\":\"https:\/\/www.sarceabogados.es\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.sarceabogados.es\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.sarceabogados.es\/#organization\",\"name\":\"Sarce Abogados\",\"url\":\"https:\/\/www.sarceabogados.es\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.sarceabogados.es\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.sarceabogados.es\/wp-content\/uploads\/2023\/03\/recurso-102a.svg\",\"contentUrl\":\"https:\/\/www.sarceabogados.es\/wp-content\/uploads\/2023\/03\/recurso-102a.svg\",\"width\":198,\"height\":311,\"caption\":\"Sarce Abogados\"},\"image\":{\"@id\":\"https:\/\/www.sarceabogados.es\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cr\u00e9ditos al consumo | Sarce Abogados","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.sarceabogados.es\/en\/consumer-credits\/","og_locale":"en_US","og_type":"article","og_title":"Cr\u00e9ditos al consumo | Sarce Abogados","og_description":"Cr\u00e9ditos al consumo y Prestamos personales Inf\u00f3rmate 696 079 956 7 d\u00edas a la semana Sarce Abogados tratar\u00e1 la informaci\u00f3n que introduzcas en el formulario para ponerse en contacto contigo y contestar a tu consulta. Puedes acceder, rectificar y suprimir los datos, as\u00ed como ejercer otros derechos, tal y como se explica en la informaci\u00f3n [&hellip;]","og_url":"https:\/\/www.sarceabogados.es\/en\/consumer-credits\/","og_site_name":"Sarce Abogados","article_modified_time":"2024-02-18T10:46:51+00:00","og_image":[{"width":1920,"height":1280,"url":"https:\/\/www.sarceabogados.es\/wp-content\/uploads\/2024\/01\/sarce0041.jpeg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.sarceabogados.es\/creditosalconsumo\/","url":"https:\/\/www.sarceabogados.es\/creditosalconsumo\/","name":"Cr\u00e9ditos al consumo | Sarce Abogados","isPartOf":{"@id":"https:\/\/www.sarceabogados.es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.sarceabogados.es\/creditosalconsumo\/#primaryimage"},"image":{"@id":"https:\/\/www.sarceabogados.es\/creditosalconsumo\/#primaryimage"},"thumbnailUrl":"https:\/\/www.sarceabogados.es\/wp-content\/uploads\/2024\/01\/sarce0041.jpeg","datePublished":"2024-01-12T09:44:44+00:00","dateModified":"2024-02-18T10:46:51+00:00","breadcrumb":{"@id":"https:\/\/www.sarceabogados.es\/creditosalconsumo\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.sarceabogados.es\/creditosalconsumo\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.sarceabogados.es\/creditosalconsumo\/#primaryimage","url":"https:\/\/www.sarceabogados.es\/wp-content\/uploads\/2024\/01\/sarce0041.jpeg","contentUrl":"https:\/\/www.sarceabogados.es\/wp-content\/uploads\/2024\/01\/sarce0041.jpeg","width":1920,"height":1280,"caption":"Businessman Shaking hands with Professional male lawyer after discussing good deal of contract in courtroom, Concepts of law, Legal services advice at the law office."},{"@type":"BreadcrumbList","@id":"https:\/\/www.sarceabogados.es\/creditosalconsumo\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Inicio","item":"https:\/\/www.sarceabogados.es\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9ditos al consumo"}]},{"@type":"WebSite","@id":"https:\/\/www.sarceabogados.es\/#website","url":"https:\/\/www.sarceabogados.es\/","name":"Sarce Abogados","description":"Su abogado de confianza","publisher":{"@id":"https:\/\/www.sarceabogados.es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.sarceabogados.es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.sarceabogados.es\/#organization","name":"Sarce Abogados","url":"https:\/\/www.sarceabogados.es\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.sarceabogados.es\/#\/schema\/logo\/image\/","url":"https:\/\/www.sarceabogados.es\/wp-content\/uploads\/2023\/03\/recurso-102a.svg","contentUrl":"https:\/\/www.sarceabogados.es\/wp-content\/uploads\/2023\/03\/recurso-102a.svg","width":198,"height":311,"caption":"Sarce Abogados"},"image":{"@id":"https:\/\/www.sarceabogados.es\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.sarceabogados.es\/en\/wp-json\/wp\/v2\/pages\/1209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sarceabogados.es\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.sarceabogados.es\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.sarceabogados.es\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sarceabogados.es\/en\/wp-json\/wp\/v2\/comments?post=1209"}],"version-history":[{"count":5,"href":"https:\/\/www.sarceabogados.es\/en\/wp-json\/wp\/v2\/pages\/1209\/revisions"}],"predecessor-version":[{"id":1311,"href":"https:\/\/www.sarceabogados.es\/en\/wp-json\/wp\/v2\/pages\/1209\/revisions\/1311"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sarceabogados.es\/en\/wp-json\/wp\/v2\/media\/1138"}],"wp:attachment":[{"href":"https:\/\/www.sarceabogados.es\/en\/wp-json\/wp\/v2\/media?parent=1209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}