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  • volksbankUnul dintre anunțurile care au ținut prima pagină a publicațiilor economice în această vară a fost cel potrivit căruia Volksbank a vândut un portofoliu de peste 3.500 credite ipotecare neperformante, în valoare totală de 500 milioane de euro. Ce nu a spus nimeni este cum austriecii au reușit să stoarcă și ultimii bani ai clienților, înainte ca aceștia să fie dați pe mâna recuperatorilor.

    În momentul de față, rețelele de socializare și forumurile dedicate clienților băncilor sunt inundate de reacțiile de nemulțumire ale clienților care s-au trezit dintr-o dată, fără să fi fost puși în gardă în niciun fel, în ghearele unor firme de recuperatori recunoscute pentru faptul că nu au milă sau scrupule față de nefericiții cu care intră în contact.

    Nemulțumirea capătă însă accente dramatice când vine vorba de o categorie particulară de clienți. Este vorba de cei care, anterior tranzacției pe care Volksbank a anunțat-o cu surle și trâmbițe în vară, au încheiat angajamente de plată pentru a evita executarea silită a garanțiilor imobiliare.

    Atitudea băncii față de cei ale căror credite fuseseră declarate scadente anticipat era una destul de inflexibilă, singura variantă pentru a nu ajunge pe drumuri fiind plata a 10% din suma totală a creditului, la care se adăugau, în cazul în care creditul ajunsese în executare silită, cheltuielile de executare, situate la limita de sus permisă de lege. Paradoxal, în multe situații, 10% din totalul creditului era mai mult decât suma ratelor restante acumulate de debitor.

    Condiția esențială, lipsa proceselor cu banca

    Plata acestor sume nu era însă finalul chinului. Pasul următor era încheierea unor angajamente de plată pe termen de șase luni, cu o valoare cel puțin egală cu cea a ratei inițiale. De-abia apoi banca ar fi refinanțat creditul inițial, iar lucrurile ar fi reintrat pe făgașul normal.

    Condițiile financiare erau însoțite și de altele, cum ar fi lipsa altor executări silite, transformarea, dacă era cazul, a creditelor în franci elvețieni în credite în euro și, cireașa de pe tort, renunțarea la orice acțiune în instanță împotriva Volksbank, în cazul în care clienții respectivi aveau procese deschise împotriva băncii. Nu numai că toate cerințele de mai sus nu erau negociabile, dar ele nici nu formau obiectul unui contract între clienți și bancă, clienții fiind practic la mila angajaților acesteia.

    Prinși între ciocan și nicovală, mulți clienți au acceptat toate aceste condiții și au achitat chiar și sume de 10-15 mii de euro, bani strânși de regulă de la rude, prieteni sau vânzând lucruri de valoare din casă, așteptând ca banca să se țină de partea ei de înțelegere.

    Și cu banii dați, și cu casele vândute

    Potrivit surselor noastre, deja din primăvara acestui an banca devenise reticentă în a refinanța creditele celor care reușeau să plătescă imensul procent de 10%, ducându-i cu vorba, cerându-le acte suplimentare pe lângă cele aduse deja și eventual propunându-le încă un angajament de plată de șase luni.

    Era preludiul țepei care avea să urmeze, o dată cu vânzarea creditelor către grupul de recuperatori care, potrivit zvonurilor din piață, a plătit doar 20% din valoarea nominală a acelor credite. Conducerea băncii știa că acele credite nu vor mai fi oricum restructurate sau refinanțate, ci vor fi vândute, însă a preferat să mintă clienții în încercarea de a mai stoarce niște bani pe care aceștia oricum nu-i aveau, din moment ce nu mai putuseră plăti ratele.

    După anunțarea tranzacției, toți cei aflați în această situație au rămas cu banii luați și cu promisiunea deșartă a unor angajați Volksbank că vor plăti din nou rate lunare, și nu întreaga sumă deodată. Promisiune verbală, fără valoare, după cum a rezultat ulterior. E greu de crezut că firmele de recuperare la care au ajuns creditele vor prelua aceste promisiuni, cu atât mai mult cu cât ele nu dau credite. Vom reveni însă cu amănunte atunci când acestea vor fi disponibile.

    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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