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  • SentintaÎn mijlocul unei lupte surde pe tema conversiei creditelor, purtată între tabăra bancară, reprezentată de președinți de bănci, oficiali BNR și chiar unii parlamentari, și cea a clienților cu credite la bănci, un singur lucru rămâne constant: deciziile instanțelor în procesele legate de clauzele abuzive din contractele de credit curg, implacabil, în favoarea clienților.

    După ce vinerea trecută am avut parte de două decizii care ar putea constitui precedente importante, dintre care una privind eliminarea totală a costurilor unui credit, justiția a continuat să constate ceea ce era evident încă din 2007-2008 pentru cei care citeau contractele de credit.

    Într-unul din aceste dosare, la Judecătoria Iași, o clientă a BCR, reprezentată de avocatul Adrian Cuculiș, a obținut returnarea sumelor plătite cu titlul de comision de administrare la un credit contractat în 2007. În ceea ce privește comisionul 2,5% din suma împrumutată perceput pentru acordarea creditului, instanța a decis că acesta nu este abuziv. Decizia instanței poate fi atacată cu recurs.

    O clientă a Piraeus Bank a obținut, după cinci luni de judecată, rambursarea sumelor încasate de bancă în mod abuziv prin stabilirea în mod arbitrar a dobânzii. Este vorba de sume plătite către Piraeus timp de aproape cinci ani, între iunie 2009 și mai 2014. Banca urmează să ramburseze diferența între sumele încasate efectiv și sumele pe care le-ar fi încasat prin aplicarea unei dobânzi de LIBOR la 3 luni plus o marjă fixă de 4,2%. De asemenea, grecii trebuie să mai dea înapoi și ceva mai mult de 2.000 de franci elvețieni încasați în mod abuziv cu titlu de comisioane. Dosarul s-a judecat în București, la Judecătoria Sectorului 1, iar sentința poate fi atacată cu recurs.

    Tot la Judecătoria Sectorului 1, un client al OTP Bank, reprezentat de același Adrian Cuculiș, a obținut constatarea caracterului abuziv al comisionului de acordare a creditului și eliminarea din contract a unei alte clauze. Instanța a respins celelalte elemente ale cererii, între care și modificarea dobânzii de la începutul contractului și până la data chemării în judecată, după formula LIBOR plus marjă fixă. Dosarul este unul vechi, cererea fiind respinsă inițial de aceeași instanță, sentință casată ulterior de Tribunalul București.

    La rândul său, un alt avocat specializat în acest tip de litigii, Marius Coltuc, a anunțat ieri pe pagina de Facebook că tocmai a câștigat cinci procese împotriva băncilor într-o singură zi, fără să dea însă detalii legate de stadiul acestor procese, ce anume a câștigat în urma lor sau împotriva căror bănci.

    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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