{"id":209406,"date":"2022-10-19T10:43:21","date_gmt":"2022-10-19T10:43:21","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=209406"},"modified":"2022-10-19T10:43:21","modified_gmt":"2022-10-19T10:43:21","slug":"csalb-bancile-au-devenit-mai-interesate-de-negociere-cu-clientii-numarul-impacarilor-cu-consumatorii-a-crescut-cu-85-in-acest-an","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=209406","title":{"rendered":"CSALB: B\u0103ncile au devenit mai interesate de negociere cu clien\u0163ii: num\u0103rul \u00eemp\u0103c\u0103rilor cu consumatorii a crescut cu 85% \u00een acest an"},"content":{"rendered":"

\nPresiunea pus\u0103 de cre\u015fterea generalizat\u0103 a pre\u0163urilor \u015fi de majorarea dob\u00e2nzilor bancare a determinat b\u0103ncile s\u0103 accepte din ce \u00een ce mai multe din cererile de negociere trimise de consumatori c\u0103tre Centrul de Solu\u0163ionare Alternativ\u0103 a Litigiilor \u00een domeniul Bancar (CSALB), cre\u015fterea fa\u0163\u0103 de anul trecut fiind de 85%.<\/p>\n

\nDe la \u00eenceputul anului, 823 de consumatori au parcurs \u00eentregul proces de conciliere (depunere cerere, negociere, hot\u0103r\u00e2re final\u0103,  o solu\u0163ie acceptat\u0103 de ambele p\u0103r\u0163i) ori au ajuns la o \u00een\u0163elegere direct\u0103 cu b\u0103ncile\/IFN-urile, dup\u0103 ce au apelat la CSALB. \u00cen T3\/2021, 445 de rom\u00e2ni s-au aflat \u00eentr-una dintre aceste dou\u0103 situa\u0163ii.<\/p>\n

\nBeneficiile pe care le-au ob\u0163inut consumatorii care au negociat cu b\u0103ncile \u00een aceast\u0103 perioad\u0103 dep\u0103\u015fesc 1,5 milione euro.<\/p>\n

\n \u201e\u00cen 2022 au fost \u00eenchise 102 procese \u00een instan\u0163\u0103, pentru c\u0103 p\u0103r\u0163ile au dorit \u015fi au reu\u015fit s\u0103 g\u0103seasc\u0103 o solu\u0163ie amiabil\u0103 \u00een cadrul CSALB. Cre\u015fterea este una important\u0103, fa\u0163\u0103 de cele 67 de situa\u0163ii de acest fel pe care le-am \u00eenregistrat \u00een tot anul 2021. \u00cen luna iulie, CSALB a solicitat \u00cenaltei Cur\u0163i de Casa\u0163ie \u015fi Justi\u0163ie \u015fi celor 15 Cur\u0163i de Apel din \u0163ar\u0103 s\u0103 fie aduse la cuno\u015ftin\u0163a judec\u0103torilor, iar ace\u015ftia s\u0103 recomande, solu\u0163ionarea amiabil\u0103 a litigiilor dintre consumatori \u015fi b\u0103nci\/IFN-uri. \u00cen afar\u0103 de c\u00e2\u015ftigul material, litigiile au fost solu\u0163ionate gratuit pentru consumatori \u015fi \u00een doar c\u00e2teva zeci de zile, dup\u0103 mult timp petrecut \u00een instan\u0163\u0103.\u201d, a declarat Alexandru P\u0103unescu, reprezentantul B\u0103ncii Na\u0163ionale a Rom\u00e2niei \u00een Colegiul de Coordonare al CSALB.<\/p>\n

\n\"\"<\/p>\n

\nDe la \u00eenceputul anului, 2.002 de consumatori s-au adresat CSALB, cu aproximativ 10% mai mul\u0163i dec\u00e2t \u00een perioada similar\u0103 din 2021 (T3\/2021: 1.837 cereri). \u00cen 15 zile dup\u0103 trimiterea cererii, banca\/IFN-ul r\u0103spund dac\u0103 intr\u0103 \u00een negociere sau refuz\u0103 solu\u0163ionarea amiabil\u0103.<\/p>\n

\nPonderea cererilor adresate b\u0103ncilor a crescut u\u015for, de la 62,7% \u00een T3 2021, la 65,2% din total, \u00een T3 2022. Pe de alt\u0103 parte, ponderea cererilor adresate IFN-urilor a sc\u0103zut, de la 37,3% din total\/2021, p\u00e2n\u0103 la 34,8% din total\/2022.<\/p>\n

\nEvolu\u0163ia organic\u0103 a cererilor se datoreaz\u0103 \u015fi lunilor marcate de cre\u015fterea generalizat\u0103 a pre\u0163urilor (\u00een special dup\u0103 declan\u015farea r\u0103zboiului de la grani\u0163ele Rom\u00e2niei), precum \u015fi de evolu\u0163ia indicilor ROBOR \u015fi IRCC.<\/p>\n

\nPotrivit CSALB, 824 de cereri de \u015ftergere a \u00eenregistr\u0103rilor din Biroul de Credit nu au putut face obiectul negocierilor \u00een cadrul CSALB (248 \u00een raport cu b\u0103ncile \u015fi 576 \u00een raport cu IFN-urile), urm\u00e2nd s\u0103 se rezolve direct \u00eentre p\u0103r\u0163i sau s\u0103 fie clasate.<\/p>\n

\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Presiunea pus\u0103 de cre\u015fterea generalizat\u0103 a pre\u0163urilor \u015fi de majorarea dob\u00e2nzilor bancare a determinat b\u0103ncile s\u0103 accepte din ce \u00een ce mai multe din cererile de negociere trimise de consumatori c\u0103tre Centrul de Solu\u0163ionare Alternativ\u0103 a Litigiilor \u00een domeniul Bancar (CSALB), cre\u015fterea fa\u0163\u0103 de anul trecut fiind de 85%. De la \u00eenceputul anului, 823 de […]<\/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":[7267,13732,5238,9821],"class_list":["post-209406","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-cereri","tag-consumatori","tag-negociere"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/209406","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=209406"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/209406\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=209406"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=209406"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=209406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}