{"id":163328,"date":"2018-08-14T14:35:10","date_gmt":"2018-08-14T14:35:10","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=163328"},"modified":"2018-08-14T14:35:10","modified_gmt":"2018-08-14T14:35:10","slug":"bnr-cjue-a-decis-ca-bancile-pot-cesiona-creditele-fara-ca-debitorul-sa-si-poata-rascumpara-datoria","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=163328","title":{"rendered":"BNR: CJUE a decis c\u0103 b\u0103ncile pot cesiona creditele f\u0103r\u0103 ca debitorul s\u0103-\u015fi poat\u0103 r\u0103scump\u0103ra datoria"},"content":{"rendered":"<p>\nDe asemenea, decizia CJUE nu se aplic\u0103 nici dispozi\u0163iilor legale na\u0163ionale care reglementeaz\u0103 transmiterea creditelor \u015fi substituirea cedentului de c\u0103tre cesionar \u00een procedurile \u00een curs.<\/p>\n<p>\nCJUE a emis aceast\u0103 decizie, c\u00e2nd a pronun\u0163at, \u00een data de 7 august 2018, o hot\u0103r\u00e2re legat\u0103 de o serie de cereri referitoare la interpretarea Directivei 93\/13\/CE. Cererile au fost f\u0103cute \u00een cazul unor litigii \u00eentre Banca Santander \u015fi doi clien\u0163i (cazul-96\/16) \u015fi, respectiv, \u00eentre Banco de Sabadel SA \u015fi un client (cazul C-94\/17), \u00een leg\u0103tur\u0103 cu executarea unor contracte de credit \u00eencheiate \u00eentre p\u0103r\u0163i.<\/p>\n<p>\n\u201eMotivarea CJUE este aceea c\u0103 \u00abDirectiva privind clauzele abuzive \u00een contactele \u00eencheiate cu consumatorii trebuie interpretat\u0103 c\u0103\u2026 nu este aplicabil\u0103 practicii unui profesionist care const\u0103 \u00een cesiunea sau \u00een cump\u0103rarea unei crean\u0163e de\u0163inute fa\u0163\u0103 de un consumator, f\u0103r\u0103 ca posibilitatea unei asemenea cesiuni s\u0103 fie prev\u0103zut\u0103 \u00een contractul de \u00eemprumut \u00eencheiat cu acest consumator, f\u0103r\u0103 ca acesta din urm\u0103 s\u0103 fie informat \u00een prealabil despre respectiva cesiune sau s\u0103 \u00ee\u015fi dea consim\u0163\u0103m\u00e2ntul la aceasta \u015fi f\u0103r\u0103 a i se acorda acestuia posibilitatea s\u0103 \u00ee\u015fi r\u0103scumpere datoria \u015fi, astfel, s\u0103 o sting\u0103, prin rambursarea c\u0103tre cesionar a pre\u0163ului pe care acesta l-a pl\u0103tit pentru cesiunea men\u0163ionat\u0103, majorat cu costurile, cu dob\u00e2nzile \u015fi cu cheltuielile de judecat\u0103 aplicabile\u00bb. Totodat\u0103, motivarea CJUE stabile\u015fte c\u0103 directiva \u00een cauz\u0103 nu este aplicabil\u0103 nici unor dispozi\u0163ii na\u0163ionale, precum cele ce figureaz\u0103 \u00een dreptul spaniol, care \u00eencadreaz\u0103 posibilitatea de r\u0103scump\u0103rare \u015fi substituirea cesionarului \u00een drepturile cedentului \u00een procedurile \u00een curs. Altfel spus, CJUE a stabilit c\u0103 institutiile de credit pot realiza cesiuni de credite f\u0103r\u0103 ca debitorului s\u0103 i se dea posibilitatea s\u0103-\u015fi r\u0103scumpere datoria\u201d, explic\u0103 Cristian Bichi, consilierul guvernatorului B\u0103ncii Na\u0163ionale a Rom\u00e2niei (BNR), \u00eentr-o opinie publicat\u0103 pe blogul institu\u0163iei,&nbsp;<a href=\"http:\/\/www.opiniibnr.ro\/\">www.opiniibnr.ro<\/a>.<\/p>\n<p>\nCiti\u0163i mai multe pe <a href=\"http:\/\/www.mediafax.ro\">www.mediafax.ro<\/a>.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Curtea de Justi\u0163ie a Uniunii Europene (CJUE) a decis, \u00een urm\u0103 cu c\u00e2teva zile, c\u0103 Directiva 93\/13\/CE privind clauzele abuzive \u00een contractele \u00eencheiate cu consumatorii nu se aplic\u0103 practicilor de cesiune sau cump\u0103rare de credite, explic\u0103 un consilier al Guvernatorului BNR.<\/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":[25246,16607,7267,185,33660,17813,7371,15062,5238,7435,485,470,12992,15272,9108,471,33715,334,7323,31831,32726,80],"class_list":["post-163328","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-abuzuri","tag-aplicare","tag-banci","tag-bnr","tag-cjue","tag-clauze","tag-comisia-europeana","tag-consilier","tag-consumatori","tag-contracte","tag-credite","tag-cumparare","tag-datorie","tag-debitor","tag-decizie","tag-europene","tag-guvernatorul-bnr","tag-incheiere","tag-justitie","tag-posibilitate","tag-rascumparare","tag-refuz"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/163328","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=163328"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/163328\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=163328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=163328"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=163328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}