La mediación en la gestión del impago de los préstamos y créditos hipotecarios en Cataluña: una institucionalización singular (Mediation in non-payment of a contract for loan mortgage in Catalonia: a singular institutionalization)
Palavras-chave:
Mediación, consumo, préstamo hipotecario, vivienda, evaluativa, Mediation, consumption, mortgage loan, housing, evaluative mediationResumo
Este trabajo tiene como objetivo el análisis de la institucionalización que la mediación ha seguido en un contexto concreto, como es el derecho de consumo, y, en particular, en los conflictos generados a raíz del impago de la cuota de los préstamos o créditos hipotecarios, con el análisis de la normativa de la Unión Europea, estatal y autonómica de Cataluña. Asimismo, se estudia el proceso de mediación institucionalizado en las normas de consumo de Cataluña, para proteger el derecho a la vivienda de las personas en riesgo de exclusión residencial, porque alteran sustancialmente dos principios fundamentales (voluntariedad e imparcialidad y neutralidad) que suelen identificar este concreto mecanismo de gestión de conflictos, cuestionando si tal proceso puede seguir denominándose “mediación”.The purpose of this paper is to analyze the institutionalization that mediation has followed in a specific context, such as consumer law, and, in particular, in the conflicts generated as a result of the non-payment of the mortgage loans or credits, with the analysis of the European Union, Spanish and autonomy of Catalonia regulations. Furthermore, the institutionalized mediation process is studied in the consumption norms of Catalonia about the protection of the right to housing of people at risk of residential exclusion, because they substantially alter two fundamental principles (voluntariety and impartiality and neutrality) that usually identify this concrete mechanism of conflict management, questioning whether such a process can continue to be called “mediation”.
Available from: https://doi.org/10.35295/osls.iisl/0000-0000-0000-1090
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