11 April 2015
Bilbao Campus
Professor. of Civil Law, Francisco Lledó Yagüe, took part in the Second National Congress held in Granada on 9, 10, 11 April. The event focused on analysis of the mortgage market and was attended by leading Spanish experts.
Prof. Lledó gave the keynote address and was introduced by his counterpart, Department Head Guillermo Orozco from the Granada Law Faculty.
In Francisco Lledó’s opinion, “France has the best system because it includes exoneration mechanisms within the scope of Consumer Law, in contrast to countries that present independent overindebtedness laws, or, like Spain, Germany and the Scandinavian nations, which envisage the solution in insolvency regulations”.
He pointed out that "one of the main pitfalls of accurate benefactorial mechanisms offering a second chance is the influence of banking and financial lobbies”. He stated that “the increase in family overindebtedness calls for consistent European policy because the problem not only involves economic aspects but also social and personal ones. It is therefore necessary to have unified European legislation in place rather than sectoral solutions that vary according to each country's laws".
Other participants in the Second National Congress on the Mortgage Market in Granada were: the Dean of the Spanish Association of Property and Mercantile Registrars, Gonzalo Aguilera Anegón; the Director General of Registers and Notaries, Francisco Javier Gómez Gálligo; Matilde Cuena Casas, Professor of Civil Law at the Complutense University in Madrid; the Chairman of Ausbanc, Luis Pineda Salido; the Chief Judge of the Constitutional Court and former president of the First Chamber of the Supreme Court, Juan Antonio Xiol Rios; Professor of Procedural Law at the University of Granada, Jose Luis Gonzalez Montes and representatives of notaries, registers, judges and legal experts on the subject.
