TRIBUNAL SUPREMO Sala de lo Civil PLENO Presidente Excmo. Sr. D. Francisco Marín Castán SENTENCIA Sentencia Nº: 265/2015 Fecha Sentencia: 22/04/2015 CASACIÓN E INFRACCIÓN PROCESAL Recurso Nº: 2351/2012 Fallo/Acuerdo: Sentencia Estimando Parcialmente Votación y Fallo: 25/03/2015 Ponente Excmo. Sr. D.: Rafael Sarazá Jimena Procedencia: Sección 4ª de la Audiencia Provincial de Santa Cruz de Tenerife Secretaría de Sala: Ilma. Sra. Dña. María Angeles Bartolomé Pardo Escrito por: MRP Control de abusividad de las cláusulas no negociadas en contrato celebrados con consumidores. Carácter no negociado de la cláusula. Cláusulas no negociadas en contratos con consumidores. Apreciación de la abusividad de la cláusula que establece el interés de demora en un préstamo personal. CASACIÓN E INFRACCIÓN PROCESAL Num.: 2351/2012 Ponente Excmo. Sr. D.: Rafael Sarazá Jimena Votación y Fallo: 25/03/2015 Secretaría de Sala: Ilma. Sra. Dña. María Angeles Bartolomé Pardo TRIBUNAL SUPREMO Sala de lo Civil PLENO SENTENCIA Nº: 265/2015 Excmos. Sres.: D. Francisco Marín Castán D. José Ramón Ferrándiz Gabriel D. José Antonio Seijas Quintana D. Antonio Salas Carceller D. Ignacio Sancho Gargallo D. Francisco Javier Orduña Moreno D. Rafael Sarazá Jimena D. Sebastián Sastre Papiol D. Eduardo Baena Ruiz D. Xavier O'Callaghan Muñoz % . ( 1 5 2 * 3 ! 6 " ! . + - $ . $ 2 % $ 4 # ! # , / " 4 ! # " ! , + + 0 ) - ' & ) . % + ( ( $ E @ @ F C P A D D K I K C ? @ A P F D B K K @ @ H B N B @ E S K H D ? J U K B B C B J I L J H ? ? B C C B J e ? E D Y H e ? ? H C H F I A p @ ! N @ H K K J 4 E A C H H L I Y H K K C @ D D ? F @ K J 6 7 Z Y D - ! # 4 . ( E D K H A J # " + # 1 ! ! L F D H @ D Y S ( N H ? D H K X _ ` E B I ? c @ C H H F ( F D H H @ ) A H B @ D ? H A F D D H D D B C E H @ b J L I D B Q J ? ? C @ ? H L Q K @ @ @ Y H A H F @ L E K M D A @ H Q C ? K H H H I I B Q F A A 0 @ H ? L E D @ @ ? E A ? J > E ? H H @ J A J J @ D E ? b ? 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( + * & 5 2 5 - ( 3 5 y y ( & * - L L ( H ? - B H C E @ & D E @ @ A H c & C @ O H y ( & @ - 2 5 - 6 5 # # # & # # . * A ? y 5 5 @ . A 9 ( L 9 ( H * b 9 @ L 9 ? P K 2 @ D E B 5 { 2 ( 5 5 5 3 * * 9 5 ( - ( & ( ( ( & & ( + ( ( 9 9 * ( , 2 & 5 5 9 A @ A @ q A H D E D q @ K q F I J C Q D @ C K @ L K E B @ C K H \ F C @ F L Y L @ S L N & y 9 : * * & Y _ ` A E N B B @ @ E S H L E E D D @ B L @ ? L B @ D H * g o K H L @ B B C C B L e A B I H K B A F ? D U ] J D Y K @ A A E @ J D J L @ C C L H K N A h B B @ C E B Q J A @ C J H ` \ J H ? L A D B F J D F H B K ? E Y A @ C K L H B J K B J B C H H J ? K F ? E D H L @ H E E D I N L A K F A J E ^ L L H F C @ F g L T Y ` @ @ ? K Y E @ D K H S q S @ A H ` B A H z C H D E X H D J K L ` F H @ @ B L ^ C \ F J H ^ M L C J A @ D G J S K H Y E D N J K Q ? A ^ K _ B j j C ` H J J H I E Q ^ ? F @ B @ A L ` ? H A H F ? F S J N @ L H H @ @ A C H K B N A @ E S E L K @ J A @ I A H B ? D @ K Y E L B @ S \ L K ` H G F F S K A E ` B @ @ h N D L S ? 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