El passat diumenge 6 d’octubre de 2024 es va publicar al Diari de Girona la sentència favorable guanyada pel despatx Torroella Advocats en un cas contra un fons voltor. Aquesta sentència protegeix una família de Banyoles que ha evitat ser desnonada gràcies a la defensa jurídica que demostra que el procés judicial iniciat pel fons voltor era inadequat i destinat a ocupes.

Els afectats, antics propietaris de l’habitatge, van perdre la propietat el 2013 a causa de l’impagament de la hipoteca. Tot i això, van aconseguir suspendre el desnonament per l’aplicació de la Llei 1/2013, que protegeix els deutors hipotecaris vulnerables, especialment famílies amb menors a càrrec.

Posteriorment, el banc va vendre la finca a un fons voltor que va intentar executar un desnonament per precari, procés pensat per a ocupes sense vinculació legal amb l’immoble. El jutjat de Primera Instància 8 de Girona va rebutjar aquesta pràctica, afirmant que els demandats són antics propietaris i deutors hipotecaris coneguts pel fons, i que l’únic procediment legal vàlid és l’execució hipotecària. Aquesta resolució garanteix que es respectin els drets dels deutors protegits per la llei i obliga el fons voltor a assumir les despeses legals.

L’advocada Anna Torroella denuncia que molts fons voltors utilitzen estratègies il·legítimes per expulsar famílies vulnerables, evitant les obligacions de subscriure lloguers socials i violant els seus drets.

Les famílies que poden acollir-se a aquesta protecció són, entre altres, les monoparentals, nombroses, amb menors d’edat, majors de 60 anys o persones amb discapacitat superior al 33%. Aquesta protecció és essencial per evitar l’exclusió social i garantir un habitatge digne.

Actualment, la família podrà continuar vivint al seu antic habitatge i negociar un lloguer social fins a un màxim de set anys. A diferència d’altres fons americans, aquest fons voltor no incompleix la llei ni es nega a fer lloguers socials, fet que beneficia la família.

La sentència també recorda la doctrina del Tribunal de Justícia de la Unió Europea (cas Mohamed Aziz vs Catalunya Caixa, 2013), que protegeix el deutor hipotecari evitant la pèrdua de l’habitatge per impagaments menors i puntuals. Aquesta doctrina no va ser aplicada pels tribunals espanyols fins a la sentència del Tribunal Suprem de setembre de 2019, que va corregir la seva jurisprudència anterior que permetia desnonaments per impagaments molt petits en hipoteques de llarga durada.

Gràcies a aquesta evolució legal i la defensa del despatx Torroella Advocats, moltes famílies poden evitar situacions dramàtiques causades pels fons voltors, sovint els principals beneficiaris d’aquestes pràctiques abusives.

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