\nAutoritatea Na\u0163ional\u0103 pentru Protec\u0163ia Consumatorilor (ANPC) a lansat o adres\u0103 special\u0103 de e-mail, cu scopul de a veni \u00een sprijinul consumatorilor care identific\u0103 elemente menite s\u0103 le afecteze direct interesele \u015fi s\u0103 \u00eei determine s\u0103 ajung\u0103 \u00eentr-o situa\u0163ie financiar\u0103 dificil\u0103, \u00een timpul derul\u0103rii unui credit bancar contractat, conform celui mai recent comunicat al institu\u0163iei.<\/p>\n
\nAdresa de e-mail prin care consumatorii pot semnala probleme este spsf@anpc.ro.<\/p>\n
\nProblemele pe care le pot semnala consumatorii sunt:<\/p>\n
\ncre\u015fterea exagerat\u0103 a ratelor \u015fi, ca atare, a gradului s\u0103u de \u00eendatorare, fa\u0163\u0103 de momentul contract\u0103rii creditului;<\/p>\n
\ncre\u015fterea nejustificat\u0103 a dob\u00e2nzii aplicate pentru rambursarea creditului, comparativ cu prevederile contractuale;<\/p>\n
\nprezentarea, la momentul ofert\u0103rii, doar a solu\u0163iei de rambursare cu rate egale (ponderea \u00een rat\u0103 fiind de 75% dob\u00e2nd\u0103 \u015fi<\/p>\n
\n25% sold principal), f\u0103r\u0103 a i se pune la dispozi\u0163ie mai multe posibilit\u0103\u0163i de rambursare pentru a alege.<\/p>\n
\n\u00cen cazul \u00een care consumatorii doresc s\u0103 reclame astfel de situa\u0163ii, trebuie s\u0103 transmit\u0103 pe adresa de e-mail men\u0163ionat\u0103, scanarea urm\u0103toarelor documente<\/p>\n
\ncontractul si scaden\u0163arul ini\u0163ial;<\/p>\n
\nvaloarea actual\u0103 a ratei;<\/p>\n
\nnotific\u0103rile primite de la banc\u0103;<\/p>\n
\nvenitul net al titularului, la momentul contract\u0103rii \u015fi \u00een prezent;<\/p>\n
\ncoresponden\u0163a pe care a\u0163i avut-o cu banca.<\/p>\n
\n\u201ePentru documentarea comparativ\u0103 a comisarilor ANPC care se ocup\u0103 de acest domeniu, \u00een cazul \u00een care locui\u0163i sau munci\u0163i \u00een alt\u0103 \u0163ar\u0103 a Uniunii Europene, de\u0163ine\u0163i un contract de \u00eemprumut \u00eencheiat cu o banc\u0103 de acolo \u015fi dori\u0163i s\u0103 veni\u0163i \u00een sprijinul institu\u0163iei noastre \u2013 pentru o imagine c\u00e2t mai complet\u0103 referitoare la abordarea acestei chestiuni la nivelul comunitar \u2013 trimte\u0163i, pe aceea\u015fi adres\u0103 de e-mail, scanarea documentelor care s\u0103 con\u0163in\u0103 nivelul ratelor, scaden\u0163arele, dob\u00e2nzile sau orice alt\u0103 informa\u0163ie referitoare la derularea creditului dori\u0163i s\u0103 ne pune\u0163i la dispozi\u0163ie, f\u0103r\u0103 a ne dezv\u0103lui datele Dvs. personale\u201d, conform documentului oficial.<\/p>\n
\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Autoritatea Na\u0163ional\u0103 pentru Protec\u0163ia Consumatorilor (ANPC) a lansat o adres\u0103 special\u0103 de e-mail, cu scopul de a veni \u00een sprijinul consumatorilor care identific\u0103 elemente menite s\u0103 le afecteze direct interesele \u015fi s\u0103 \u00eei determine s\u0103 ajung\u0103 \u00eentr-o situa\u0163ie financiar\u0103 dificil\u0103, \u00een timpul derul\u0103rii unui credit bancar contractat, conform celui mai recent comunicat al institu\u0163iei. Adresa […]<\/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":[63,7267,5238,9517,47,484],"class_list":["post-216473","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-anpc","tag-banci","tag-consumatori","tag-email","tag-lansare","tag-probleme"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/216473","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=216473"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/216473\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=216473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=216473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=216473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}