{"id":9632,"date":"2026-06-01T10:34:13","date_gmt":"2026-06-01T10:34:13","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;p=9632"},"modified":"2026-06-05T08:37:23","modified_gmt":"2026-06-05T08:37:23","slug":"impagos-de-prestamos-puente-y-consideraciones-reglamentarias-fsma-cca","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/es\/perspectivas\/impagos-de-prestamos-puente-y-consideraciones-reglamentarias-fsma-cca\/","title":{"rendered":"Impagos de pr\u00e9stamos puente y consideraciones reglamentarias (FSMA y CCA)\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Bridging loans occupy a unique position in UK <a href=\"https:\/\/rfblegal.co.uk\/es\/base-de-conocimientos\/que-es-la-financiacion-puente\/\">finanzas<\/a>: they are short-term, high-interest, and security-driven lending products designed to \u201cbridge\u201d a temporary funding gap, often in <a href=\"https:\/\/rfblegal.co.uk\/es\/categoria\/litigios-inmobiliarios\/\">propiedad<\/a> transactions. Their speed and flexibility make them attractive for auction <a href=\"https:\/\/rfblegal.co.uk\/es\/base-de-conocimientos\/compras-de-obra-nueva-lo-que-hay-que-saber\/\">purchases<\/a>, chain breaks, refurbishment projects, and investment acquisitions. However, the same features that make them useful also make them high-risk. When borrowers default, <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/litigios-sobre-prestamos-puente-como-gestionar-los-impagos-ejecucion-y-clausulas-abusivas\/\">enforcement<\/a> is typically swift and highly structured around the <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/qa-deferred-consideration-security\/\">security<\/a> (usually property).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A key complexity in <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/entender-los-prestamos-puente-una-red-de-seguridad-para-los-prestatarios-necesitados\/\">understanding<\/a> <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/impagos-de-prestamos-puente-ejecucion-del-prestamista-y-sus-opciones\/\">bridging loan<\/a> <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/prestamo-puente-impagos-que-ocurre-si-no-se-puede-devolver-un-prestamo-puente-a-tiempo\/\">defaults<\/a> in the UK is that these loans do not sit neatly within a single <a href=\"https:\/\/rfblegal.co.uk\/es\/servicios\/derecho-personal\/ley-reguladora\/\">normativa<\/a> regime. Depending on structure and purpose, a bridging loan may be governed by<a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/contents\"> FSMA 2000<\/a>, regulado por la <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1974\/39\/contents\">Ley de cr\u00e9dito al consumo de 1974<\/a>, o completamente sin regular.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dado que el objetivo primordial es la rapidez, los pr\u00e9stamos puente suelen ser m\u00e1s caros que las hipotecas tradicionales y exigen una estrategia de salida clara y viable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The exit strategy\u2014the method by which the borrower intends to repay the loan\u2014is the focal point of any bridging facility. Common exit strategies include selling the secured property or <a href=\"https:\/\/rfblegal.co.uk\/es\/servicios\/derecho-personal\/propiedad-residencial\/rehipoteca-refinanciacion-inmobiliaria\/\">refinanciaci\u00f3n<\/a> the bridging loan onto a long-term mortgage. If this strategy fails or is delayed, the borrower falls into default. Given the unforgiving, short-term nature of bridging finance, defaults can escalate quickly. Borrowers face mounting financial pressure, while lenders must navigate a strict <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/asesoramiento-sobre-molestias-legales-para-propietarios-y-agentes-de-la-administracion\/\">statutory<\/a> and regulatory landscape to enforce their security.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comprender los impagos de los pr\u00e9stamos puente<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To fully comprehend the regulatory implications of default, one must first understand what constitutes a default in the <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/qa-derecho-laboral-en-el-contexto-empresarial\/\">context<\/a> of bridging finance. While <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/missing-beneficiaries-and-benjamin-orders\/\">missing<\/a> a monthly payment is an obvious trigger, &#8220;default&#8221; is a broad term that extends far beyond non-payment. The exact circumstances constituting default are outlined in the facility <a href=\"https:\/\/rfblegal.co.uk\/es\/base-de-conocimientos\/necesito-un-acuerdo-de-accionistas\/\">agreement<\/a> and security <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/guia-para-el-nuevo-ejercicio-financiero-para-que-los-documentos-juridicos-de-su-empresa-esten-al-dia\/\">documents<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entre los supuestos habituales de impago se incluyen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Expiraci\u00f3n del plazo:<\/strong> No reembolsar el saldo total del pr\u00e9stamo en la fecha de vencimiento acordada del pr\u00e9stamo puente es la causa m\u00e1s com\u00fan de impago.<\/li>\n\n\n\n<li><strong>Technical <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/lo-que-todo-arrendador-de-locales-comerciales-debe-saber-sobre-los-incumplimientos-del-contrato-por-parte-del-inquilino\/\">Breaches<\/a>:<\/strong> Breaching specific loan covenants, such as undertaking structural refurbishments without the lender&#8217;s prior consent, or <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/realizar-cambios-sin-consentimiento-riesgos-juridicos-de-las-modificaciones-no-autorizadas-en-el-contrato-de-arrendamiento\/\">unauthorised<\/a> changes to the property&#8217;s use or occupancy.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/the-pay-as-you-go-era-navigating-commercial-rent-arrears-in-tenant-insolvency\/\">Insolvencia<\/a> Events:<\/strong> The borrower entering <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/proteger-sus-intereses-cuando-un-socio-administrador-se-enfrenta-a-la-quiebra\/\">bankruptcy<\/a>, <a href=\"https:\/\/rfblegal.co.uk\/es\/servicios\/derecho-mercantil\/litigios-comerciales\/insolvencia\/\">liquidation<\/a>, or an <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/litigios-sobre-energia-y-servicios-publicos-es-usted-un-particular-o-una-empresa-al-que-su-proveedor-de-energia-o-servicios-publicos-le-cobra-de-mas\/\">Particular<\/a> Voluntary Arrangement (IVA).<\/li>\n\n\n\n<li><strong>Incumplimientos cruzados:<\/strong> A default on <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/otra-oficina-de-exito-para-el-registro-de-estudiantes\/\">another<\/a> loan or financial obligation held by the borrower that negatively impacts their financial standing.<\/li>\n\n\n\n<li><strong>Tergiversaci\u00f3n:<\/strong> Descubrir que el prestatario facilit\u00f3 informaci\u00f3n falsa o enga\u00f1osa durante el proceso de solicitud.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Consecuencias inmediatas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once a default occurs, lenders often act swiftly to protect their <a href=\"https:\/\/rfblegal.co.uk\/es\/servicios\/derecho-mercantil\/litigios-inmobiliarios-2\/empresas-ocupantes\/\">comercial<\/a> interests, often triggering rapid escalation of the borrower&#8217;s debt.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/prestamos-puente-constituye-el-tipo-de-interes-de-demora-de-un-prestamista-puente-una-sancion-no-ejecutable\/\">Inter\u00e9s de demora<\/a> Rates:<\/strong> En caso de impago, los prestamistas suelen aplicar un tipo de inter\u00e9s considerablemente m\u00e1s alto. En ocasiones, los prestamistas agravan estos intereses, lo que hace que la deuda aumente exponencialmente en un corto periodo de tiempo.<\/li>\n\n\n\n<li><strong>Tasas por impago:<\/strong> Lenders typically charge administration fees, legal costs, and <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/impago-de-prestamos-puente-que-ocurre-si-se-nombra-un-administrador-judicial-tras-el-impago-de-un-prestamo-puente\/\">receiver<\/a> fees associated with <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/ejecucion-de-una-resolucion-extranjera-en-inglaterra-y-gales-lista-de-comprobacion-para-la-ejecucion-en-virtud-del-regimen-de-common-law\/\">enforcing<\/a> the loan.<\/li>\n\n\n\n<li><strong>Acci\u00f3n de ejecuci\u00f3n:<\/strong> El prestamista puede tomar posesi\u00f3n del bien, iniciar un procedimiento judicial o nombrar a un administrador judicial para que tome el control del bien y lo venda para recuperar la deuda.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">El marco normativo: FSMA y CCA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El sector brit\u00e1nico de la financiaci\u00f3n puente no est\u00e1 sujeto a un marco regulador \u00fanico y general. En su lugar, la regulaci\u00f3n se bifurca en dos reg\u00edmenes principales: los pr\u00e9stamos regulados por la Autoridad de Conducta Financiera (<a href=\"https:\/\/www.google.com\/url?sa=i&amp;source=web&amp;rct=j&amp;url=https:\/\/www.fca.org.uk\/&amp;ved=2ahUKEwi-85Dc9syUAxUkT0EAHbTFBagQy_kOegoIAggACAAIEhAC&amp;opi=89978449&amp;cd&amp;psig=AOvVaw0EnhMKI5p9CKS10C-yDIQR&amp;ust=1779540399200000\" target=\"_blank\" rel=\"noreferrer noopener\">FCA<\/a>) en virtud de la FSMA, y los pr\u00e9stamos regulados por la CCA. El estatus regulatorio de un pr\u00e9stamo dicta el nivel de protecci\u00f3n legal que recibe el prestatario, especialmente en caso de impago.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pr\u00e9stamos puente regulados (FSMA)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En virtud de la <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2001\/544\/contents\/made\">Ley de Servicios y Mercados Financieros de 2000 (Orden de Actividades Reguladas) de 2001 <\/a>(\u2018RAO\u2019), un pr\u00e9stamo puente se considera un \u201ccontrato hipotecario regulado\u201d si cumple unos criterios espec\u00edficos. Por lo general, esto se aplica cuando el pr\u00e9stamo se concede a un particular o a un fideicomisario, y la propiedad que se utiliza como garant\u00eda est\u00e1 ocupada actualmente, o se pretende que lo est\u00e9, por el prestatario o un familiar directo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The FCA governs these regulated bridging loans to ensure rigorous consumer protection. Key regulatory <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/visados-britanicos-2024-salario-minimo-y-requisitos-de-ingresos\/\">requirements<\/a> include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Evaluaciones de asequibilidad:<\/strong> Los prestamistas est\u00e1n legalmente obligados a realizar comprobaciones exhaustivas de los ingresos y la asequibilidad antes de conceder el pr\u00e9stamo.<\/li>\n\n\n\n<li><strong>Principios de la FCA para las empresas:<\/strong> Los prestamistas deben tratar a los clientes con equidad y tener debidamente en cuenta sus intereses.<\/li>\n\n\n\n<li><strong>Mortgages and Home Finance: Conduct of <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/contratos-comerciales-qa\/\">Empresas<\/a> Sourcebook (MCOB):<\/strong> Lenders must adhere to strict rules regarding <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/ordenes-de-divulgacion\/\">disclosure<\/a>, pre-contractual illustrations, and <a href=\"https:\/\/rfblegal.co.uk\/es\/base-de-conocimientos\/cuales-son-las-obligaciones-legales-de-los-propietarios-en-relacion-con-la-humedad-y-el-moho\/\">handling<\/a> <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/commercial-rent-arrears-a-practical-guide-for-commercial-tenants\/\">arrears<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cuando se produce el impago de un pr\u00e9stamo puente regulado, el prestamista est\u00e1 sujeto a las estrictas directrices de la FCA sobre tolerancia y trato justo a los clientes con dificultades financieras. El embargo debe utilizarse como \u00faltimo recurso, y los prestamistas deben trabajar de forma proactiva con los prestatarios para explorar acuerdos de reembolso alternativos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pr\u00e9stamos conforme a la Ley de Cr\u00e9dito al Consumo (LCC)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Consumer Credit Act 1974 (CCA), in general terms, applies primarily to smaller, unsecured, or second-charge bridging loans that fall outside the definition of a regulated mortgage contract, generally when the loan is not wholly or predominantly for business purposes. The CCA provides statutory rights for borrowers, including specific procedures lenders must follow when enforcing the loan or imposing default <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/gastos-de-comunidad-guia-practica-para-propietarios\/\">charges<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Historically, bridging loans to <a href=\"https:\/\/rfblegal.co.uk\/es\/categoria\/corporativo\/\">corporate<\/a> entities (e.g., Limited Companies or Special Purpose Vehicles) were largely unregulated. However, the line is increasingly blurred; some lenders attempt to require borrowers to incorporate companies to classify the loan as unregulated and avoid CCA or FSMA constraints. Yet, if the loan is deemed consumer credit in substance, the courts can look past the corporate veil, and the regulatory <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/derechos-y-proteccion-de-los-accionistas-minoritarios\/\">protections<\/a> of the CCA may still apply.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Consideraciones reglamentarias para los prestamistas: La prohibici\u00f3n general<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A critical regulatory <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/proteger-la-contraprestacion-diferida-en-una-venta-de-acciones\/\">consideration<\/a> for all lenders operating in the UK is the &#8220;General Prohibition&#8221; established under <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/section\/19\">Art\u00edculo 19 de la FSMA 2000<\/a>. Esta prohibici\u00f3n establece que ninguna persona puede ejercer una \u201cactividad regulada\u201d en el Reino Unido a menos que sea una persona autorizada o una persona exenta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entering into a regulated mortgage contract is a regulated activity. If an unauthorised lender issues a loan that should have been regulated under FSMA, the <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/los-marcadores-cifas-explicados-causas-consecuencias-y-soluciones\/\">consequences<\/a> are severe:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inoponibilidad:<\/strong> En <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/section\/26\">Art\u00edculo 26A de la FSMA 2000,<\/a> the loan agreement may be rendered completely unenforceable against the borrower. The lender may lose the <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/el-derecho-de-adquisicion-preferente-claves-para-propietarios-e-inquilinos\/\">right<\/a> to recover the principal sum or the interest.<\/li>\n\n\n\n<li><strong>\u00d3rdenes de reembolso:<\/strong> El tribunal puede ordenar al prestamista que indemnice al prestatario, pudiendo exigir la devoluci\u00f3n de todos los intereses y reembolsos de capital ya efectuados.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/es\/categoria\/litigios-penales\/\">Criminal<\/a> Liability:<\/strong> El incumplimiento de la prohibici\u00f3n general es un delito punible con multa o prisi\u00f3n ilimitadas.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Exenci\u00f3n para empresas y consumidores<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un \u00e1rea com\u00fan de disputa es si un pr\u00e9stamo puente se tom\u00f3 con \u201cfines empresariales\u201d, lo que a menudo exime al pr\u00e9stamo de la regulaci\u00f3n de la CCA. <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2001\/544\/article\/60C\">Art\u00edculo 60C(5) de la Orden de Actividades Reguladas<\/a> establece la presunci\u00f3n de que un pr\u00e9stamo se destina a fines empresariales si el prestatario presenta una declaraci\u00f3n a tal efecto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sin embargo, seg\u00fan <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2001\/544\/article\/60C\">Art\u00edculo 60C, apartado 6<\/a>, if the lender knew or had reasonable cause to suspect that the loan was not wholly or predominantly for business purposes, the declaration could be treated as invalid. In the event of a default, borrowers often <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/la-impugnacion-judicial-de-la-reforma-del-arrendamiento-pone-en-entredicho-el-futuro-de-disposiciones-clave\/\">challenge<\/a> the validity of their business purpose declaration, arguing that the loan was actually for a consumer purpose (e.g., funding personal debt or a <a href=\"https:\/\/rfblegal.co.uk\/es\/servicios\/derecho-personal\/propiedad-residencial\/\">residencial<\/a> property purchase) and that the lender failed to conduct appropriate regulatory checks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Intereses de demora, comisiones y relaciones abusivas (CCA)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most litigated aspects of bridging loan defaults is the imposition of default interest and <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/los-intereses-de-demora-de-los-prestamistas-puente-el-tribunal-supremo-considera-que-los-intereses-de-demora-son-una-penalizacion-inaplicable\/\">penalty<\/a> fees. Given the short timeframes and high risks of bridging finance, lenders <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/navegar-por-el-auge-del-arbitraje-internacional-faq\/\">frequently<\/a> build high default rates and fees into their contracts. However, borrowers have challenged whether these rates are legally enforceable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Derecho sancionador<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En virtud de la prueba hist\u00f3rica de&nbsp;<em>Makdessi<\/em>, una cl\u00e1usula es una penalizaci\u00f3n inaplicable si se trata de una obligaci\u00f3n accesoria que impone al incumplidor del contrato un perjuicio desproporcionado con respecto a cualquier otra obligaci\u00f3n.&nbsp;<strong>inter\u00e9s leg\u00edtimo<\/strong>&nbsp;de la parte inocente en la ejecuci\u00f3n de la obligaci\u00f3n principal.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En el mercado de cr\u00e9ditos puente, los prestamistas suelen justificar los elevados tipos de inter\u00e9s de demora (por ejemplo, de (3%) a (4%) al mes) argumentando que compensan el elevado riesgo de que el capital quede inmovilizado en un pr\u00e9stamo moroso.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Los tribunales no han establecido un porcentaje fijo que constituya una sanci\u00f3n, sino que depende de si el tipo es \u201cextravagante\u201d o \u201cdesproporcionado\u201d en el contexto comercial. Si bien los aumentos de intereses son justificables, los tipos excesivos que imponen un perjuicio desproporcionado pueden tratarse como una sanci\u00f3n no ejecutable.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Factores que deben tener en cuenta los prestatarios:<\/strong><br>Cuando se impugna un pr\u00e9stamo puente \/ tasa de impago, la atenci\u00f3n se centra en si la provisi\u00f3n es&nbsp;<strong>\u201cde naturaleza \u201dpenal <\/strong>desproporcionada a cualquier&nbsp;<strong>inter\u00e9s leg\u00edtimo<\/strong>&nbsp;de la parte inocente, lo que significa que su objetivo principal es castigar al prestatario en lugar de proteger los intereses leg\u00edtimos del prestamista. Algunos puntos a tener en cuenta son:\n<ul class=\"wp-block-list\">\n<li><strong>La carga de la prueba:<\/strong>&nbsp;Corresponde al prestatario demostrar que el tipo es \u201cdesproporcionado\u201d con respecto al inter\u00e9s del prestamista. El prestamista no tiene por qu\u00e9 justificar matem\u00e1ticamente el tipo concreto elegido.<\/li>\n\n\n\n<li><strong>Clasificaci\u00f3n reglamentaria err\u00f3nea:<\/strong>\u00a0Si un prestamista clasifica incorrectamente un pr\u00e9stamo como \u201cno regulado\u201d (por ejemplo, se firm\u00f3 una declaraci\u00f3n de \u201cfinalidad comercial\u201d cuando el prestatario ten\u00eda intenci\u00f3n de residir en el inmueble), el prestatario puede tener protecciones mucho m\u00e1s fuertes en virtud de la\u00a0<a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/contents\">Ley de Mercados y Servicios Financieros de 2000 (FSMA)<\/a>\u00a0y\u00a0<a href=\"https:\/\/handbook.fca.org.uk\/guides\/reader-guide\">Manual de la FCA<\/a>, lo que puede hacer que las cl\u00e1usulas de intereses sean \u201cabusivas\u201d independientemente de la norma sancionadora.<\/li>\n\n\n\n<li><strong>La trampa de la \u201cobligaci\u00f3n principal\u201d:<\/strong>&nbsp;If the higher rate is structured to trigger on a &#8220;non-breach&#8221; event, lenders may argue it is a primary obligation (not a penalty). However, courts <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/puede-un-testamento-anular-mis-acuerdos-anteriores\/\">will<\/a> look at the&nbsp;<strong>el fondo sobre la forma<\/strong>&nbsp;para ver si se trata efectivamente de una sanci\u00f3n por demora en el pago.&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Zueco sobre la equidad de la redenci\u00f3n:<\/strong>&nbsp;Un prestatario tiene el derecho equitativo a devolver su pr\u00e9stamo y recuperar su propiedad. Cualquier cl\u00e1usula que dificulte injustificadamente el reembolso o act\u00fae como un \u201cobst\u00e1culo\u201d a este derecho -como comisiones de salida exorbitantes o condiciones de reembolso excesivamente onerosas- puede ser impugnada por inaplicable.<\/li>\n\n\n\n<li><strong>Influencia indebida o coacci\u00f3n:<\/strong>&nbsp;If a borrower was pressured into the loan under illegitimate circumstances or without independent legal advice, the agreement (or personal <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/las-garantias-personales-y-los-alquileres-comerciales-atrasados-son-directores-de-riesgo\/\">guarantees<\/a> associated with it) might be set aside.<\/li>\n\n\n\n<li><strong>Negligencia profesional:<\/strong>\u00a0En algunos casos, el litigio puede recaer sobre los profesionales implicados. Por ejemplo, si un abogado no asesor\u00f3 adecuadamente sobre los riesgos de los intereses de demora elevados o los impagos \u201ct\u00e9cnicos\u201d, el prestatario puede presentar una demanda por negligencia profesional para recuperar las p\u00e9rdidas.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A la hora de impugnar la ejecutabilidad de los pr\u00e9stamos puente en un litigio, se pueden considerar varios argumentos jur\u00eddicos y reglamentarios m\u00e1s all\u00e1 de la \u201cregla de la sanci\u00f3n\u201d, pero es importante obtener asesoramiento lo antes posible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Relaciones desleales con arreglo a la Ley de cr\u00e9dito al consumo<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1974\/39\/part\/IX\/crossheading\/unfair-relationships#:~:text=140AUnfair%20relationships%20between%20creditors%20and%20debtors&amp;text=(2)In%20deciding%20whether%20to,matters%20relating%20to%20the%20debtor).\">s140A del CCA 1974<\/a>, courts can review <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/acuerdos-de-compra-de-acciones-de-qa\/\">agreements<\/a> deemed unfair due to factors like excessive total credit costs, lender misconduct, or oppressive enforcement. If an unfair relationship is found, s140B empowers courts to restructure the agreement, reduce interest rates, or order refunds of payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">David Burns, <a href=\"https:\/\/rfblegal.co.uk\/es\/etiqueta\/senior-partner\/\">Senior<\/a> <a href=\"https:\/\/rfblegal.co.uk\/es\/etiqueta\/litigation-team-br\/\">Litigios<\/a> Partner at Ronald Fletcher Baker LLP, has extensive experience handling issues related to bridging loan defaults and disputes.\/ For enquiries on this topic, please <a href=\"https:\/\/rfblegal.co.uk\/es\/contacto\/\">contact<\/a> David Burns <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/guia-para-la-solicitud-de-permisos-de-patrocinador-del-reino-unido-por-la-via-del-visado-para-trabajadores-cualificados\/\">via<\/a> email at D.Burns@rfblegal.co.uk or by phone at 0207 467 5751.<\/p>","protected":false},"author":12,"featured_media":9633,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[20],"tags":[81],"class_list":["post-9632","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-property-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Bridging loans occupy a unique position in UK finance: they are short-term, high-interest, and security-driven lending products designed to \u201cbridge\u201d a temporary funding gap, often in property transactions. 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