\nANPC a anun\u0163at c\u0103 \u00cenalta Curte de Casa\u0163ie \u015fi Justi\u0163ie a solu\u0163ionat definitiv cauza prin care se constatau practici comerciale incorecte ale Raiffeisen Bank, menite a afecta interesele financiare ale consumatorilor, banca urm\u00e2nd s\u0103 restituie dob\u00e2nzile \u00eencasate pentru credite \u00een lei, euro \u015fi franci elve\u0163ieni \u00een perioada 2006-2009.<\/p>\n
\nDiferen\u0163ele de dob\u00e2nzi care urmeaz\u0103 s\u0103 fie restituite consumatorilor se ridic\u0103 la aproximativ 19 milioane de euro. Decizia vizeaz\u0103 9.155 de credite deschise la Raiffensen Bank.<\/p>\n
\nInstan\u0163a a confirmat practic un ordin din 2017 emis de c\u0103tre pre\u015fedintele Autorit\u0103\u0163ii Na\u0163ionale pentru Protec\u0163ia Consumatorilor (ANPC).<\/p>\n
\nPotrivit comunicatului ANPC, caracteristicile creditelor vizate sunt: o dob\u00e2nd\u0103 ini\u0163ial\u0103 care a fost men\u0163inut\u0103 fix\u0103 timp de 1 an \u015fi care, \u00eencep\u00e2nd cu al doilea an de creditare, a fost majorat\u0103 de c\u0103tre banc\u0103, av\u00e2nd \u00een vedere c\u0103, \u00een contract, era stipulat c\u0103 dob\u00e2nda este\/devine revizuibil\u0103 \u201d\u00een func\u0163ie de evolu\u0163ia pie\u0163ei financiare\u201d; credite active la data emiterii ordinului; credite \u00een raport cu care nu exist\u0103 o hot\u0103r\u00e2re judec\u0103toreasc\u0103 individual\u0103 prin care instan\u0163a s-a pronun\u0163at deja cu privire la dob\u00e2nd\u0103.<\/p>\n
\n\u00cen opinia ANPC, banca nu a informat \u00een prealabil consumatorii despre viitoarele costuri ale \u00eemprumuturilor \u015fi drept urmare i-a determinat pe ace\u015ftia s\u0103 ia o decizie \u2013 contractarea creditelor respective – pe care altfel nu ar fi luat-o dac\u0103 ar fi cunoscut nivelul la care dob\u00e2nda avea s\u0103 creasc\u0103, respectiv costurile pe care nu le-au putut preconiza.<\/p>\n
\n\u201dIndiferent de situa\u0163ia actual\u0103 a raportului dintre creditor \u015fi debitor (credite \u00eenchise, ajunse la maturitate, executate, restructurate, aflate \u00een plat\u0103 etc.), consumatorii persoane fizice \u015fi\/sau mo\u015ftenitorul\/mo\u015ftenitorii titularului\/titularilor, acolo unde este cazul, au dreptul s\u0103 primeasc\u0103 sume de bani care vor fi calculate, de la caz la caz, \u00een func\u0163ie de tipul de credit, suma \u015fi perioada de creditare\u201d, se mai arat\u0103 \u00een comunicatul Autorit\u0103\u0163ii.<\/p>\n
\nPentru a primi aceste sume, consumatorii trebuie s\u0103 se adreseze Raiffeisen Bank.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
ANPC a anun\u0163at c\u0103 \u00cenalta Curte de Casa\u0163ie \u015fi Justi\u0163ie a solu\u0163ionat definitiv cauza prin care se constatau practici comerciale incorecte ale Raiffeisen Bank, menite a afecta interesele financiare ale consumatorilor, banca urm\u00e2nd s\u0103 restituie dob\u00e2nzile \u00eencasate pentru credite \u00een lei, euro \u015fi franci elve\u0163ieni \u00een perioada 2006-2009. Diferen\u0163ele de dob\u00e2nzi care urmeaz\u0103 s\u0103 fie […]<\/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":[63,236,5238,485],"class_list":["post-209817","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-anpc","tag-banca","tag-consumatori","tag-credite"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/209817","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=209817"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/209817\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=209817"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=209817"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=209817"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}