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    Două cazuri recente au arată cam ce trucuri foloseşte sistemul bancar în România, prin prisma poziţiei de putere pe care băncile o deţin faţă de client, în procesele din instanţă.

    Cazul de la Oradea în care Raiffeisen a acceptat teoretic să se revină la cursul istoric al CHF dar NUMAI cu condiţia ca şi dobânda la lei să fie tot cea de atunci, adică 17%, a fost primul carea a fost mediatizat.

    Chichiţa a fost găsită de avocaţii şi consilierii juridici ai băncilor aceştia considerând că pot contracara în instanţa de la Oradea cererea clienţilor de ase reveni la cursul istoric printr-o astfel de şmecherie.

    Un alt caz este semnalat la BCR unde departamentul juridic a realizat un act trimis unui grup de clienţi care a dat banca în judecată pentru scoaterea clauzelor abuzive.

    Astfel, potrivit actului, banca acceptă să scoată clauzele abuzive din contract dar cu o singură condiţie, semnarea unui act adiţional în care se acceptă EURIBOR +8 puncte deşi marja din contract este 1.5.

    În plus, actul semnat de departamentul juridic al BCR somează efectiv clientul să semneze actul adiţional în zece zile de la primire, altfel banca urmând să rezilieze contractul, ceea ce înseamnă că tot creditul devine scadent anticipat. Actul este semnat de Florinela Vasilescu, şef departament juridic la BCR şi este făcut public de avocatul Gheorghe Piperea. Este vorba de un nou model de presiune pe care băncile îl exercită asupra clienţilor. Actul este probabil nul din punct de vedere juridic având în vedere faptul că nu se poate rezilia un contract pentru că un client nu semnează un act adiţional.

     

    Acest articol este proprietatea Pagina de Bănci și este protejat de legea drepturilor de autor. Orice preluare a conținutului se poate face doar în limita a 500 de semne, cu citarea sursei și cu link către pagina acestui articol.

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