{"id":17974,"date":"2024-05-28T09:22:33","date_gmt":"2024-05-28T07:22:33","guid":{"rendered":"https:\/\/www.cudosconsultors.com\/?p=17974"},"modified":"2024-05-28T09:22:33","modified_gmt":"2024-05-28T07:22:33","slug":"fichero_morosos","status":"publish","type":"post","link":"https:\/\/www.cudosconsultors.com\/en\/fichero_morosos\/","title":{"rendered":"Banco condenado al pago de 5.000 euros de indemnizaci\u00f3n a un cliente por su inclusi\u00f3n indebida en un fichero de morosos"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#e2e2e2;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch\" style=\"width:calc( 100% + ) !important;max-width:calc( 100% + ) !important;margin-left: calc(- \/ 2 );margin-right: calc(- \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:center top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-color:#002169;border-width: 0px 0 0px 50px;border-color:#002169;border-style:solid;padding: 0px 0px 0px 0px;\"><div ><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-zoomin\" style=\"max-width:400px;\"><img decoding=\"async\" width=\"1113\" height=\"1072\" title=\"moros\" src=\"https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2024\/05\/moros.jpg\" alt class=\"img-responsive wp-image-17979\" srcset=\"https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2024\/05\/moros-200x193.jpg 200w, https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2024\/05\/moros-400x385.jpg 400w, https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2024\/05\/moros-600x578.jpg 600w, https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2024\/05\/moros-800x771.jpg 800w, https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2024\/05\/moros.jpg 1113w\" sizes=\"(max-width: 640px) 100vw, 1113px\" \/><\/span><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : calc( 0.013333333333333 * calc( 100% - no ) );padding-bottom : 0px !important;padding-left : 0px !important;margin-left : no;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-0{width:40% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : calc( 0 * calc( 100% - no ) );margin-left : no;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : no;margin-left : no;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#e2e2e2;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_3 1_3 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 30px 0px 0px 0px;\"><style type='text\/css'>.reading-box-container-1 .element-bottomshadow:before,.reading-box-container-1 .element-bottomshadow:after{opacity:0.7;}<\/style><div class=\"fusion-reading-box-container reading-box-container-1 fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\" style=\"margin-top:30px;margin-bottom:30px;\"><div class=\"reading-box\" style=\"background-color:#ffffff;border-width:5px;border-color:#ffffff;border-left-width:5px;border-left-color:var(--primary_color);border-style:solid;\"><h2>Banco condenado al pago de 5.000 euros de indemnizaci\u00f3n a un cliente por su inclusi\u00f3n indebida en un fichero de morosos<\/h2><div class=\"reading-box-description fusion-reading-box-additional\">28\/05\/2024<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-1{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 30px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-1{width:33.333333333333% !important;order : 0;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 5.76%;margin-left : 5.76%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-1{width:100% !important;order : 0;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 0px !important;margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_2_3 2_3 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 75px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\"><p>La SAP de Barcelona en sentencia de 29-2-2024, ponente D. Antonio Morales Adame condena a un entidad bancaria al pago de una indemnizaci\u00f3n de 5.000 euros por la inclusi\u00f3n de una persona en un fichero de solvencia patrimonial y cr\u00e9dito, ya que el cliente no recibi\u00f3 previo requerimiento de pago de la deuda anotada, ni tampoco advertencia de su inclusi\u00f3n en el fichero con antelaci\u00f3n a ello.<\/p>\n<p>El juzgado de instancia hab\u00eda estimado la demanda pero no hab\u00eda condenado al banco al pago de ninguna indemnizaci\u00f3n.<\/p>\n<p>El TS en su sentencia de 16-1-2024 ha se\u00f1alado:<\/p>\n<p><em>&#8220;&#8230;la indemnizaci\u00f3n de los da\u00f1os y perjuicios causados por la intromisi\u00f3n ileg\u00edtima en el derecho al honor est\u00e1 regulada en la LO 1\/1982, de 5 de mayo, de protecci\u00f3n civil del derecho al honor, a la intimidad personal y familiar y a la propia imagen. En consecuencia, existe una presunci\u00f3n iuris et de iure, sin posibilidad de prueba en contrario, de existencia de perjuicio cuando se acredite la intromisi\u00f3n ileg\u00edtima (art. 9.3 ). La indemnizaci\u00f3n se extender\u00e1 al da\u00f1o moral, que se valorar\u00e1 atendiendo a las circunstancias del caso y a la gravedad de la lesi\u00f3n efectivamente producida. El hecho de que la valoraci\u00f3n del da\u00f1o moral no pueda obtenerse de una prueba objetiva no excusa ni imposibilita legalmente a los tribunales para fijar su cuantificaci\u00f3n, atendiendo a las circunstancias del caso y utilizando criterios de prudente arbitrio &#8230;&#8221;.<\/em><\/p>\n<p>Aunque no consta que la inclusi\u00f3n del demandante en el indicado fichero implicar\u00e1 alg\u00fan perjuicio material efectivo, concretado en la p\u00e9rdida de la oportunidad de solicitar cr\u00e9dito o de realizar otras actividades econ\u00f3micas, la propia exposici\u00f3n p\u00fablica del Sr. Juan Ram\u00f3n, como deudor que no atiende a sus compromisos contractuales, implica ya un da\u00f1o que, en el caso presente, se incrementa ante la evidente negligencia de la demandada en cuanto a sus obligaciones de requerimiento de pago y advertencia antes de proceder a la inclusi\u00f3n del d\u00e9bito en el fichero de morosos.<\/p>\n<p>Atendiendo adem\u00e1s al tiempo en que tal impago permaneci\u00f3 en los archivos, se entiende proporcional al da\u00f1o la indemnizaci\u00f3n reclamada de cinco mil euros, importe adem\u00e1s que, como indica la jurisprudencia antes reproducida, vendr\u00e1 a disuadir a la entidad demandada de incluir nuevos deudas y a otros deudores sin antes haber agotado las cautelas legales necesarias para introducir datos en ficheros de impagados.<\/p>\n<p><span style=\"color: #000000;\"><strong><a style=\"color: #000000;\" href=\"https:\/\/www.poderjudicial.es\/search\/AN\/openDocument\/39eab0d3bae8a959a0a8778d75e36f0d\/20240509\" target=\"_blank\" rel=\"noopener\">Aqu\u00ed la resoluci\u00f3n<\/a><\/strong><\/span><\/p>\n<p><strong>Ramon Arn\u00f3 Torrades<\/strong><br \/>\nCEO de <em>La Familia Digital<\/em><\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-2{width:66.666666666667% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 75px !important;padding-right : 0px !important;margin-right : 2.88%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 2.88%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-2{width:66.666666666667% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 2.88%;margin-left : 2.88%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-2{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":17979,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86],"tags":[],"class_list":["post-17974","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-juridico-en"],"_links":{"self":[{"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/posts\/17974","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/comments?post=17974"}],"version-history":[{"count":2,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/posts\/17974\/revisions"}],"predecessor-version":[{"id":17987,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/posts\/17974\/revisions\/17987"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/media\/17979"}],"wp:attachment":[{"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/media?parent=17974"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/categories?post=17974"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/tags?post=17974"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}