{"id":2584,"date":"2019-10-31T15:37:40","date_gmt":"2019-10-31T15:37:40","guid":{"rendered":"https:\/\/vila.es\/en\/?p=2584"},"modified":"2020-10-29T12:24:51","modified_gmt":"2020-10-29T12:24:51","slug":"assignment-of-disputed-credit","status":"publish","type":"post","link":"https:\/\/vila.es\/en\/litigation-and-arbitration\/assignment-of-disputed-credit\/","title":{"rendered":"ASSIGNMENT OF DISPUTED CREDIT"},"content":{"rendered":"<p style=\"text-align: justify;\">In this brief article, we shall take a look at the legal concept of disputed credit in the light of the recent judgment from the Supreme Court number 464\/2019, dated 13<sup>th<\/sup> September, within the framework of a lawsuit claiming the recognition of the retrospective right over a disputed credit.<\/p>\n<p style=\"text-align: justify;\">Article 1535 of the Spanish Civil Code, with regard to the transmission of credits, establishes that:<\/p>\n<p style=\"padding-left: 30px; text-align: justify;\">\u201c<em><u>In the event of sale of a disputed credit, the debtor shall be entitled to extinguish said credit<\/u> by reimbursing the assignee of the price paid, any costs incurred and interest on the price from the date on which it was paid.<\/em><\/p>\n<p style=\"padding-left: 30px; text-align: justify;\"><em><u>A credit shall be deemed disputed from the time that a response to the claim relating thereto is filed.<\/u><\/em><\/p>\n<p style=\"padding-left: 30px; text-align: justify;\"><em>The debtor may exercise his right within nine days, as from the moment of the assignee\u2019s claim for payment.\u201d<\/em><\/p>\n<p style=\"text-align: justify;\">In this particular case, entity A granted a loan to the claimants \u2013 natural persons \u2013 in 2011, which was not paid. In 2013, said entity filed a court claim, and upon the enforcement of the judgment an agreement was reached for the payment of the debt\u00a0 in monthly instalments over a number of years.<\/p>\n<p style=\"text-align: justify;\">In 2014, entity A transferred the credit to entity B, whereupon, in 2015, the claimants filed a lawsuit for the retrospective right on the disputed credit against entity B.<\/p>\n<p style=\"text-align: justify;\">The claim was admitted in first and second instance, and the right of the claimants to recuperate from entity B the credit bought from entity A was declared, extinguishing the credit by reimbursing the price to the assignor (entity A).<\/p>\n<p style=\"text-align: justify;\">Entity B filed a cassation appeal alleging the breach of Supreme Court case law regarding the interpretation of article 1535 of the Civil Code regarding the concept of disputed credit (Supreme Court Judgment 149\/1991 of 28<sup>th<\/sup> February 1991; 192\/2006, of 28<sup>th<\/sup> February 2006; 976\/2008, of 31<sup>st<\/sup> October 2008).<\/p>\n<p style=\"text-align: justify;\">Specifically, the appellant-defendant argued that\u00a0 the assigned credit may not be considered disputed, given that when the assignment of the credit occurred a final judgment had already been issued, and during the enforcement phase an agreement had been reached for the payment of the debt.<\/p>\n<p style=\"text-align: justify;\">In its recent judgment, the Supreme Court explains that article 1535 of the Spanish Civil Code establishes the first day from <u>which a credit may be deemed disputed (as from the moment of responding to the claim, or when the term for responding has precluded, where appropriate<\/u>), but the last day is not defined. For the sake of determining said final date, the court recalled its judgment 690\/1969 of 16<sup>th<\/sup> December, which placed the final date as <u>when the judgment or judicial resolution that declares the certainty and enforceability of the credit becomes final, or as soon as the process ceases in some other way, such as a transaction<\/u>, as in the case in question.<\/p>\n<p style=\"text-align: justify;\">Therefore, it dismisses the action for the retrospective right over a disputed credit, given that the assigned credit lacked a disputed nature when the assignment occurred, since its existence, enforceability and amount had already been determined in a final judgment.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">Carla Villavicencio<\/p>\n<p style=\"text-align: justify;\">Vil\u00e1 Abogados<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">For more information, please contact:<\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"mailto:va@vila.es\">va@vila.es<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">\u00a031<sup>st<\/sup> October 2019<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In this brief article, we shall take a look at the legal concept of disputed credit in the light of the recent judgment from the Supreme Court number 464\/2019, dated 13th September, within the framework of a lawsuit claiming the recognition of the retrospective right over a disputed credit. Article 1535 of the Spanish Civil  [&#8230;]<\/p>\n","protected":false},"author":4,"featured_media":4718,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[83,78],"tags":[],"class_list":["post-2584","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-contracts","category-litigation-and-arbitration"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ASSIGNMENT OF DISPUTED CREDIT - Vil\u00e1 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:\/\/vila.es\/en\/litigation-and-arbitration\/assignment-of-disputed-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ASSIGNMENT OF DISPUTED CREDIT - Vil\u00e1 Abogados\" \/>\n<meta property=\"og:description\" content=\"In this brief article, we shall take a look at the legal concept of disputed credit in the light of the recent judgment from the Supreme Court number 464\/2019, dated 13th September, within the framework of a lawsuit claiming the recognition of the retrospective right over a disputed credit. 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