{"id":128550,"date":"2015-10-21T11:44:15","date_gmt":"2015-10-21T11:44:15","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=128550"},"modified":"2015-10-21T11:44:15","modified_gmt":"2015-10-21T11:44:15","slug":"bcr-asteapta-redactarea-hotararii-instantei-pentru-clarificarivizeaza-sa-incheie-amiabil-litigiile","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=128550","title":{"rendered":"BCR a\u015fteapt\u0103 redactarea hot\u0103r\u00e2rii instan\u0163ei pentru clarific\u0103ri;vizeaz\u0103 s\u0103 \u00eencheie amiabil litigiile"},"content":{"rendered":"

\n“A\u015ftept\u0103m redactarea hot\u0103r\u00e2rii instan\u0163ei, \u00een aceast\u0103 situa\u0163ie fiind incert\u0103 interpretarea sintagmelor (citate de mass-media): nulitatea absolut\u0103 par\u0163ial\u0103 a clauzei privind dob\u00e2nda, \u00een partea privind dob\u00e2nda de referin\u0163\u0103 variabil\u0103, precum \u015fi orice alt\u0103 clauz\u0103 care permite modificarea unilateral\u0103 a cuantumului dob\u00e2nzii”, se arat\u0103 \u00eentr-o reac\u0163ie a b\u0103ncii.<\/p>\n

\nBCR mai noteaz\u0103 c\u0103 are o strategie clar\u0103 de \u00eenchidere amiabil\u0103 a tuturor litigiilor, m\u0103sur\u0103 aplicat\u0103 inclusiv clien\u0163ilor afla\u0163i \u00een proces cu banca la instan\u0163ele superioare, pentru a beneficia de dob\u00e2nzi competitive.<\/p>\n

\n“R\u0103m\u00e2nem fermi \u00een aceast\u0103 strategie indiferent de atmosfera creat\u0103 de avoca\u0163ii care promoveaz\u0103 discordia \u00een dauna parteneriatelor \u015fi a \u00eencrederii”, se mai arat\u0103 \u00een nota transmis\u0103.<\/p>\n

\nReprezentan\u0163ii institu\u0163iei de credit consider\u0103 c\u0103 nicio hot\u0103r\u00e2re a instan\u0163ei nu poate las\u0103 un contract de credit f\u0103r\u0103 dob\u00e2nda, astfel c\u0103 se a\u015fteapt\u0103 ca detalierea hot\u0103r\u00e2rii “s\u0103 nu fac\u0103 altceva dec\u00e2t s\u0103 consfin\u0163easc\u0103 decizia b\u0103ncii din 2010 privind eliminarea modific\u0103rilor unilaterale ale nivelului dob\u00e2nzii \u015fi modul de calcul al acesteia, ancorat \u00een indicele Euribor sau Robor \u015fi respect\u00e2nd costurile de finan\u0163are ale b\u0103ncii”.<\/p>\n

\n<\/a><\/p>\n

\n\u00cenalta Curte de Casa\u0163ie \u015fi Justi\u0163ie (ICCJ) a decis mar\u0163i, irevocabil, c\u0103 dob\u00e2nda de referin\u0163\u0103 variabil\u0103, modificat\u0103 unilateral de banc\u0103, este abuziv\u0103, \u00eentr-un proces colectiv intentat BCR de peste 200 de clien\u0163i.<\/p>\n

\n“Constat\u0103 nulitatea absolut\u0103 par\u0163ial\u0103 a clauzei privind dob\u00e2nda, \u00een partea privind dob\u00e2nda de referin\u0163\u0103 variabil\u0103, precum \u015fi orice alt\u0103 clauz\u0103 care permite B.C.R. S.A. modificarea unilateral\u0103 a cuantumului dob\u00e2nzii. Oblig\u0103 pe p\u00e2r\u00e2ta B.C.R. S.A. s\u0103 modifice contractele \u00eencheiate cu reclaman\u0163ii ca urmare a constat\u0103rii nulit\u0103\u0163ii absolute par\u0163iale a clauzei privind dob\u00e2nda, precum \u015fi s\u0103 emit\u0103 noi grafice de rambursare \u00een urma acestei modific\u0103ri”, se arat\u0103 \u00een minuta deciziei de mar\u0163i a instan\u0163ei supreme.<\/p>\n

\nTotodat\u0103, judec\u0103torii instan\u0163ei supreme au constatat caracterul abuziv \u015fi nulitatea absolut\u0103 a unei alte clauze, care permite BCR declararea scaden\u0163ei anticipate a creditului, dac\u0103 valoarea garan\u0163iilor constituite de consumator scade sub valoarea creditului r\u0103mas de plat\u0103.<\/p>\n

\nAstfel, ICCJ a admis recursurile declarate de recuren\u0163ii-reclaman\u0163i (cline\u0163ii b\u0103ncii – n.r.) \u015fi a modificat decizia instan\u0163ei anterioare \u00een sensul c\u0103 “Admite excep\u0163ia autorit\u0103\u0163ii de lucru judecat \u015fi respinge cererea de constatare a caracterului abuziv, de constatare a nulit\u0103\u0163ii absolute a clauzei indicate \u00een petitul 1.1, precum \u015fi celelalte capete de cerere formulate \u00een principal \u015fi \u00een subsidiar \u00een leg\u0103tur\u0103 cu aceast\u0103 clauz\u0103 (petitele 2, 3.1, 4 \u015fi 5), pentru contractele nr. 678 din 19 iunie 2007, nr. 765 din 8 martie 2006 \u015fi 2008691448 din 4 septembrie 2008, constat\u00e2nd autoritate de lucru judecat”.<\/p>\n

\nDecizia este irevocabil\u0103, astfel c\u0103 banca este obligat\u0103 s\u0103 modifice contractele \u00eencheiate cu reclaman\u0163ii.<\/p>\n

\n“Am \u00eenfr\u00e2nt BCR \u00een primul dosar colectiv privitor la clauzele abuzive. Irevocabil. Azi se fac fix 5 ani f\u0103r\u0103 5 zile de la demararea acestui dosar”, a scris avocatul Gheorghe Piperea, care i-a reprezentat pe reclaman\u0163i.<\/p>\n","protected":false},"excerpt":{"rendered":"

BCR a\u015fteapt\u0103 ca instan\u0163a s\u0103 redacteze hot\u0103r\u00e2rea luat\u0103 mar\u0163i privind caracterul abuziv al dob\u00e2nzii de referin\u0163\u0103 variabil\u0103, modificat\u0103 unilateral de banc\u0103, pentru a clarifica toate aspectele, \u00eens\u0103 transmite totodat\u0103 c\u0103 vrea \u00een continuare s\u0103 \u00eenchid\u0103 amiabil toate litigiile cu clien\u0163ii.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[5078,187,13681],"class_list":["post-128550","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bcr","tag-dobanzi","tag-iccj"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/128550","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=128550"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/128550\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=128550"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=128550"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=128550"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}