The Justice of Tierra del Fuego issued a ruling in favor of a victim of the taking of UVA credits during the government of former President Mauricio Macri, and ordered the bank that granted the loan limit the value of the fee to 35% of the total income of the family group involvedjudicial sources reported today.
The case involves Javier Vázquez, a municipal employee of the city of Río Grande who He requested a $3 million loan to buy his home and after paying it off for 4 years, he now owes $19 million, while the value of the installment went from affecting 13% of his income to representing 52%.
Vázquez initiated a claim before the Justice, like other 200 litigants from Tierra del Fuego for the same issue in the jurisdiction, and requested a precautionary measure that was rejected in the first instance by civil judge Pablo Vozzi.
However, the Civil Chamber of the Río Grande Court of Appeals, made up of judges Francisco Capellotti, Daniel Satini and Luciana Gutiérrez, reversed the criteria and ordered the bank to open a negotiation instance within 15 days and prevent “the payment of the mortgage loan installment exceeds 35% of the family income”.
The resolution emphasized the housing deficit and the treaties of constitutional hierarchy that oblige the State to adopt positive measures in defense of family housing.
“There is a group of Fuegians who decided to organize themselves and have promoted group or personal lawsuits before the Justice to face the indexation of this type of loan. They were waiting for a protection measure of this type while the trial is being carried out,” lawyer Cristian Rubio, legal representative of Vázquez and other people in the same situation, explained to Télam.
The lawyer explained that in the case of UVA credits there have been “extraordinary circumstances that modified the original contract and that must be renegotiated”, and added that “what is being requested is a review of these contracts entered into for the acquisition of housing only”.
“Due to the appearance of supervening circumstances that caused an alteration in the conditions and resulted in a very difficult or impossible fulfillment of the contract,” Rubio said.
He also clarified that the lawsuits are not against the banks granting the loans (73% of which are public banks) but rather the UVA credit indexation system.
“There is a case of another Río Grande employee whose loan installment is equivalent to his total salary. And they deduct it automatically, that is, he does not receive his salary. That is why we are asking for a renegotiation with possible conditions and that guarantee people’s subsistence,” the lawyer emphasized.
For her part, Andrea Torres, another of the Tierra del Fuego litigants against the UVA credits, said that the judicial ruling constitutes “a light of hope”, and assured that it “gives new strength to continue fighting.”
“In October of last year we paid a fee of $160,000 and now we have reached $210,000. We live using the credit card and the family that helps us, added to the fact that my husband has a disability and cannot leave his treatments,” Torres told FM La Isla de Río Grande, while stressing: “We feel very helpless . They sold us UVA credits as a solution and in the end it was a blatant lie”.
Source: Ambito
