{"id":36286,"date":"2026-09-08T10:48:41","date_gmt":"2026-09-08T08:48:41","guid":{"rendered":"https:\/\/www.reclamador.es\/blog\/?p=36286"},"modified":"2026-09-08T10:50:47","modified_gmt":"2026-09-08T08:50:47","slug":"banco-de-espana-vender-la-deuda-no-exime-de-la-custodia-del-contrato","status":"publish","type":"post","link":"https:\/\/www.reclamador.es\/blog\/banco-de-espana-vender-la-deuda-no-exime-de-la-custodia-del-contrato\/","title":{"rendered":"Banco de Espa\u00f1a: Vender la deuda no exime de la custodia del contrato"},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;36286&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Valora este art\u00edculo&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 votos)&quot;,&quot;size&quot;:&quot;20&quot;,&quot;title&quot;:&quot;Banco de Espa\u00f1a: Vender la deuda no exime de la custodia del contrato&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 20px; height: 20px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 16px;\">\n            <span class=\"kksr-muted\">Valora este art\u00edculo<\/span>\n    <\/div>\n    <\/div>\n\n<figure id=\"attachment_36296\" aria-describedby=\"caption-attachment-36296\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-36296\" src=\"https:\/\/i0.wp.com\/www.reclamador.es\/blog\/wp-content\/uploads\/2026\/09\/banco-de-espana-cibeles-madrid.jpg?resize=800%2C536&#038;ssl=1\" alt=\"edificio banco espa\u00f1a madrid - cibeles\" width=\"800\" height=\"536\" srcset=\"https:\/\/i0.wp.com\/www.reclamador.es\/blog\/wp-content\/uploads\/2026\/09\/banco-de-espana-cibeles-madrid.jpg?resize=800%2C536&amp;ssl=1 800w, https:\/\/i0.wp.com\/www.reclamador.es\/blog\/wp-content\/uploads\/2026\/09\/banco-de-espana-cibeles-madrid.jpg?resize=150%2C100&amp;ssl=1 150w, https:\/\/i0.wp.com\/www.reclamador.es\/blog\/wp-content\/uploads\/2026\/09\/banco-de-espana-cibeles-madrid.jpg?resize=768%2C514&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.reclamador.es\/blog\/wp-content\/uploads\/2026\/09\/banco-de-espana-cibeles-madrid.jpg?w=1280&amp;ssl=1 1280w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-36296\" class=\"wp-caption-text\">Madrid &#8211; Banco de Espa\u00f1a<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">En esta ocasi\u00f3n, vamos a hablar sobre el criterio del Banco de Espa\u00f1a en relaci\u00f3n a la <strong>conservaci\u00f3n de documentos en casos de cesi\u00f3n de deuda.<\/strong> Es una obviedad que, en los \u00faltimos a\u00f1os, la venta de carteras de deuda por parte de las entidades financieras a fondos de inversi\u00f3n y otras sociedades se ha convertido en una pr\u00e1ctica habitual. Sin embargo, la habitualidad de este negocio jur\u00eddico no exime a las entidades de cr\u00e9dito del cumplimiento de las normas de transparencia y de protecci\u00f3n de la clientela.<\/p>\n\n\n\n<h2>Resumen del informe del Banco de Espa\u00f1a sobre la custodia de documentaci\u00f3n en venta de deuda<\/h2>\n\n\n\n<p>En este sentido, el Banco de Espa\u00f1a, en un reciente informe, ha destacado la mala pr\u00e1ctica de una <a href=\"https:\/\/www.reclamador.es\/usura\/microcreditos\/\">entidad de cr\u00e9dito<\/a> que, tras la cesi\u00f3n de un cr\u00e9dito, ha pretendido quedar liberada de sus deberes documentales, obligando al cliente a dirigirse a la cesionaria para obtener copia de la <a href=\"https:\/\/www.reclamador.es\/ayuda\/banco\/documentos-para-reclamar-tarjeta-revolving\/\">documentaci\u00f3n<\/a> solicitada.<\/p>\n<p>El Banco de Espa\u00f1a ha recordado que <strong>este negocio jur\u00eddico comporta la transmisi\u00f3n del derecho de cobro o derecho de cr\u00e9dito frente al deudor, sin que ello implique la extinci\u00f3n de las obligaciones legales que reca\u00edan sobre la cedente<\/strong> en el marco de la relaci\u00f3n contractual originaria. Es decir, la posterior cesi\u00f3n del cr\u00e9dito no puede invocarse como una causa para eludir una obligaci\u00f3n impuesta por la normativa sectorial de transparencia. Por tanto, habi\u00e9ndose solicitado la documentaci\u00f3n contractual dentro del per\u00edodo de conservaci\u00f3n legal, la cedente tiene la obligaci\u00f3n de mantener la documentaci\u00f3n en sus archivos y entregarla al cliente que la requiera.<\/p>\n\n\n\n<p>En consecuencia, la negativa o la incapacidad de la entidad cedente para facilitar el contrato y el cuadro de amortizaci\u00f3n constituyen una actuaci\u00f3n que se aparta de las buenas pr\u00e1cticas y usos financieros, incurriendo adem\u00e1s en una eventual infracci\u00f3n del art. 7.2 de la Orden EHA\/2899\/2011, relativo a la obligaci\u00f3n de conservaci\u00f3n y entrega de la documentaci\u00f3n contractual al cliente.<\/p>\n<p>\u00a0<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>En esta ocasi\u00f3n, vamos a hablar sobre el criterio del Banco de Espa\u00f1a en relaci\u00f3n a la conservaci\u00f3n de documentos en casos de cesi\u00f3n de deuda. Es una obviedad que, en los \u00faltimos a\u00f1os, la venta de carteras de deuda por parte de las entidades financieras a fondos de inversi\u00f3n y otras sociedades se ha [&hellip;]<\/p>\n","protected":false},"author":46,"featured_media":36296,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[392],"tags":[278],"class_list":["post-36286","post","type-post","status-publish","format-standard","has-post-thumbnail","category-noticias","tag-banca","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vender la deuda no exime de la 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