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  • radu cristian

    Radu Cristian, directorul general al societății

    ”ZERO solicitări respinse”. Este primul avantaj cu care își îmbie potențialii clienți una din puținele firme de leasing care chiar mai acordă finanțări după venirea crizei. Este oarecum impropriu spus leasing, pentru că firma în cauză nu este înregistrată nicăieri în evidențele Băncii Naționale.

    MyCar Leasing Solutions, pe numele său, înregistrată în Pitești, dar cu punctul de lucru principal la București, profită de una din multele lacune ale legislației românești, încheind contracte de leasing operațional, permise de lege oricărei firme, fie ea și una de apartament. Contractele încheiate de societate au toate caracteristicile leasingului financiar, inclusiv posibilitatea de a cumpăra mașina la finalul contractului, însă ele sunt vândute pe post de leasing operațional, din considerente ce țin de evitarea reglementărilor și supravegherii BNR. O perioadă au fost încheiate chiar sub numele de contracte de închiriere auto (!!!), deși erau în realitate contracte de leasing mascate.

    Aceste tertipuri, la fel ca și pasivitatea BNR față de o firmă care desfășoară la vedere o activitate care necesită autorizarea ca IFN, ar fi neinteresante dacă nu ar fi fost însoțite de un comportament la fel de dubios în relația cu clienții, mulți dintre ei având de pierdut zeci de mii de lei după ce au fost atrași de promisiunea de la începutul articolului.

    Afară e vopsit gardul…

    Atât forumurile de pe internet, cât și lista lungă de procese în care se judecă cu clienții ar putea ridica semne de întrebare unui nou venit. Totuși, nevoia de a avea o mașină, combinată cu lipsa banilor pentru a o plăti integral, alte credite aflate în derulare, eventual înscrierea în Biroul de Credit, au determinat destui români să ignore aceste semne de întrebare.

    Pentru mulți dintre ei, regretele au venit prea târziu. Cele mai mici au fost cele generate de schimbarea bruscă de atitudine a angajaților firmei. ”După semnarea contractului nu mai răspund la telefoane și nu mai stau de vorbă cu tine. Te vor captivi cu orice preț în contract. Nu poți rezolva cu ei nicio problemă ivită pe parcurs, deși invocă amiabilitate, acest termen acest termen este străin pentru ei”, se plânge un client.

    Schimbarea nu este, se pare, doar de atitudine, ci și de termeni contractuali. ”Înainte se semnarea contractului am citit pe site, mi s-a spus și verbal, că pot cesiona contractul oricând fără costuri, sau că îl pot închide, de asemenea fără costuri. După un an și jumătate, când am vrut să plătesc banii anticipat, mi-au cerut o suma aproape egală cu prețul inițial al mașinii, după ce plătisem deja avans și rate”, mărturisește un altul.

    Păcăleli de genul acesta sunt însă lucruri mărunte față de cele pățite de alți clienți. Unul dintre ei a avut ghinionul ca mașina să îi fie avariată total, iar după ce asigurătorul a plătit dauna, în loc să primească înapoi o parte din banii plătiți până atunci, a fost obligat să mai plătească încă 20.000 de lei cu titlu de daune-interese.

    …înăuntru sunt daunele interese

    Daunele-interese par să fie de altfel ”specialitatea casei”. Din cele aproape 500 de dosare înregistrate la Judecătoria Sectorului 6 și în care firma este parte (numărul de clienți fiind, potrivit site-ului firmei, de circa 2.000), majoritatea sunt încuviințări de executare silită sau contestații la executare în care ponderea majoritară o au daunele-interese.

    Sumele solicitate sunt amețitoare, ele ajungând și la zeci de mii de lei. În aceste condiții, nici nu e de mirare că un alt fost client se plânge că mașina i-a fost ridicată după doar opt zile de întârziere la plată. Daunele sunt mai convenabile pentru firmă decât plata la zi a ratelor.

    O altă practică, observabilă și în dosarele înregistrate la Judecătorie, este ”repararea” mașinilor, după ce acestea au fost ridicate de la cei care nu mai putuseră plăti ratele, la service-uri agreate de firmă, pentru sume astronomice și uneori pentru defecte inexistente.

    Unul dintre cei păgubiți în acest fel povestește cum, după ce a solicitat rezilierea pe cale amiabilă a contractului și a predat mașina cu doar 3.400 de kilometri parcurși în 10 luni de contract, a primit un deviz de reparații de 5.300 de lei, pentru diverse piese schimbate. Ulterior, i-au mai fost ceruți 10.000 de lei pe post de daune-interese, deși nu avusese întârzieri la plata ratelor, și nu mai puțin de 2.000 de lei cheltuieli de judecată.

    Deloc de mirare, a apărut chiar și o pagină de Facebook împotriva My Car, iar thread-urile de pe forumurile pe care o parte a clienților își expun problemele au nume dintre cele mai sugestive, precum ”jefuitorii de la MyCar Leasing Solutions”.

    Vom reveni cu amănunte despre felul în care au fost posibile aceste lucruri, cine este în spatele lor și, sperăm, și cu o reacție din partea BNR, care tolerează operațiuni ce intră în sfera sa de supraveghere, realizate însă în mod total independent.

    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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