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    Lupta dintre bănci şi avocaţi, ANPC&asociaţii de consumatori scoate la iveală mai multe detalii despre contractele încheiate între bănci şi consumatori.

    Avocatul Gheorghe Piperea consideră că scoaterea comisioanelor abuzive ar salva atât sistemul bancar cât şi consumatorii.

    În acest sens, Piperea, clienţii bancari şi asociaţia Parakletos ridică următoarele probleme:

    1. De ce se vând pachete uriaşe de credite neperformante şi la 2% din valoare, ceea ce înseamnă 98% pierdere pentru bancă, în loc să se negocieze direct cu clientul?
    2. Un gest simplu, scoaterea comisionului de risc ar îmbunătăţi situaţia a sute de mii de clienţi. Conform Biroului de Credit sunt 850.000 de clienţi în default.
    3. De ce s-a permis redenumirea comisionului de risc pentru ascunderea sa: comision de monitorizare risc, comision analiză risc. Etc.
    4. De ce un client care a plătit 15 ani ratele la timp mai plăteşte comisionul de risc, ce risc mai prezintă el pentru bancă?

    Avocatul Gheorghe Piperea consideră că băncile au evitat reglementările BNR prin anumite subterfugii.

    Nu trebuie să plătim noi pentru creditarea iresponsabilă din 2007-2008. Cei care dădeau atunci credite erau vânzători nu bancheri. Nu se respecta valoarea de 75% credit din ipoteca imobiliară pentru că se făcea un credit de nevoi personale şi pentru restul de 25%.

    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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