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  • Avocatul Piperea este specialistul numarul 1 in lupta cu clauzele abuzive.

    Avocatul Piperea este specialistul numarul 1 in lupta cu practicile bancare abuzive.

    Avocatul Gheorghe Piperea catalogat de lumea bancară drept haiduc pentru că luptă împotriva sistemului îi dă o replică guvernatorului BNR Mugur Isărescu.

    Dacă longevivul guvernator Isărescu susţine că la momentul semnării creditelor CHF, clientul şi banca erau în deplină “conştienţă”, Piperea demontează acest lucru.

    Clientului i s-a prezentat la bancă o versiune , în timp ce realitatea a fost cu totul alta.

    Iată ce li s-a prezentat clienţilor:

    1. S-au indatorat pe termen lung intr-o moneda stabila (CHF),
      Cu costuri mai mici decit cele la creditele in lei/euro (uneori cu 2-3 puncte procentuale),
      3.  Chiar dacă ratingul lor nu ii califica pentru creditele in lei/euro (pentru care gradul de indatorare trebuia sa fie mai mic decit 70% din sursele lunare de finantare a rambursarii), în schimb îi califica pentru creditele in CHF.

    Dacă aceasta ar fi fost şi realitatea din teren, conştienţa lui Isărescu ar fi fost valabilă:

      Atunci da, consumatorii au fost conştienţi de ceea ce au semnat. Că doar asta li s-a „explicat” în reclamele frumos ambalate şi cu trimiteri la basme şi tărâmuri mirifice. Şi în cele 2 min. de discuţii cu „ofiţerul” de credite, grăbit să respecte programul încărcat al dnei notar care avea 2-3 ore de program pe zi la bancă şi încheia 2-300 de cotracte pe săptămână, a punctat avocatul Piperea.

    Ce au găsit clienţii, conform lui Piperea: 

    1. Nu au primit CHF nici cash, nici în cont
    2. CHF nu este o monedă stabilă, pe timp de criză investitorii refugiindu-se în CHF şi în băncile elveţiene, moneda hipervalorizându-se.
    3. Costurile creditului, făcute de specialiştii băncii pe banii clienţilor, prezentate iniţial ca fiind mici au ajuns în final foarte mari. Astfel rata neperformantelor a ajuns la 35%

    În aceste condiţii este clar că ceea ce prezintă Mugur Isărescu drept conştienţă este de fapt o declaraţie pro-bănci menită să vină în sprijinul acestora, în chestiunea proiectului de lege prin conversia creditelor din valută în lei dar şi în instanţă unde băncile pot folosi ca argumentaţie declaraţiile lui Mugur Isărescu.

    isarescu

    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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