Publication: La protección del consumidor en los contratos vinculados
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2018-06-08
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Universidad Complutense de Madrid
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Abstract
El presente estudio analiza la protección del consumidor que celebra contratos vinculados, resaltando las carencias que existen en la normativa para la adecuada protección del mismo. Se examinan los requisitos necesarios para que un contrato pueda ser considerado vinculado y se da solución a las consecuencias que provocan los casos de incumplimiento del proveedor, determinando quién ha de soportar el riesgo en dichas situaciones. Se fijan los derechos que tiene el consumidor ante la ineficacia del contrato de consumo y sus efectos en el contrato de crédito, y se determina si el consumidor queda debidamente protegido. Se estudia la liquidación de las relaciones contractuales de los contratos vinculados, los supuestos de cesión de créditos de los mismos, y la protección del consumidor de contratos vinculados que emplea efectos cambiarios. Realizo un especial análisis de los principales motivos alegados por los prestamistas para evitar que la LCCC despliegue sus efectos, atendiendo a lo largo de todo el trabajo al examen de las resoluciones del Tribunal Supremo sobre la materia, así como a la jurisprudencia menor.
The current study analyzes the consumer protection that enters into linked contracts, highlighting the shortcomings that exist in the regulations for the correct protection of it. It examines the necessary requirements for a contract to be considered linked, and provides a solution to the consequences of a supplier breach, resolving who should bear the risk in such situations. It establishes the rights that the consumer has to the ineffectiveness of the consumer contract and its effects on the credit agreement, and determines whether the consumer is properly protected. The liquidation of the contractual relationships in linked contracts, assumptions of assignment of credits, and the consumer protection in linked contracts that use exchange instruments are studied. I make a special analysis of the main reasons alleged by the lenders to prevent that the LCCC unfolds its effects, taking care throughout all the work to the examination of Supreme Court decisions on the matter as well as the minor jurisprudence.
The current study analyzes the consumer protection that enters into linked contracts, highlighting the shortcomings that exist in the regulations for the correct protection of it. It examines the necessary requirements for a contract to be considered linked, and provides a solution to the consequences of a supplier breach, resolving who should bear the risk in such situations. It establishes the rights that the consumer has to the ineffectiveness of the consumer contract and its effects on the credit agreement, and determines whether the consumer is properly protected. The liquidation of the contractual relationships in linked contracts, assumptions of assignment of credits, and the consumer protection in linked contracts that use exchange instruments are studied. I make a special analysis of the main reasons alleged by the lenders to prevent that the LCCC unfolds its effects, taking care throughout all the work to the examination of Supreme Court decisions on the matter as well as the minor jurisprudence.
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Tesis inédita de la Universidad Complutense de Madrid, Facultad de Derecho, leída el 27-06-2017