B?ncile m?resc ratele si dau vina pe BNR
Joi, 11 Decembrie 2008, ora 22:46
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„Avand in vedere faptul c? Banca Na?ional?
nu a sc?zut ?i nici nu a renun?at la rezerva minim? obligatorie, v? inform?m c?
va trebui s? pl?ti?i o rat? mai mare ”, aceasta este descifrarea unuia dintre
mesajele pe care b?ncile le trimit, mai nou, clien?ilor atunci cand le anun??
cre?teri ale ratelor.
In aceast? situa?ie se afl? ?i Marian F.
din Bucure?ti, care a fost informat c? are de pl?tit o rat? mai mare cu
aproximativ 60 de euro/lun? pentru creditul ipotecar contractat la Volksbank.
Banca l-a informat c? aceast? cre?tere este
determinat? de prelungirea perioadei de aplicare a comisionului de rezerv?
minim? obligatorie, din cauz? c? BNR nu a adoptat nicio decizie privind
reducerea sau eliminarea rezervelor pentru creditele in valut?.
Ulterior, clientul a primit o alt?
scrisoare, in care reprezentan?ii Volksbank reveneau asupra explica?iei ?i
precizau faptul c? prelungirea perioadei de aplicare a comisionului este
determinat? de cre?terea costurilor de refinan?are, ?i nu de politica BNR.
ANPC a dat verdictul
Consternat de toate aceste explica?ii,
clientul a depus o plangere la Autoritatea Na?ional? pentru Protec?ia
Consumatorilor (ANPC). Contacta?i de ziarul „Adev?rul“, reprezentan?ii
institu?iei au analizat cazul ?i ne-au declarat c? au primit mai multe plangeri
referitoare la acest caz.
„Intr-adev?r, BNR nu a luat decizia de a
elimina sau reduce rezerva minim? obligatorie, deci, teoretic, banca ar putea
prelungi perceperea acestui comision. Totu?i, din punctul nostru de vedere
acest comision este abuziv.
Am incheiat deja un proces-verbal de
constatare a clauzelor abuzive din contractele Volksbank, proces -verbal ce va
fi transmis in instan?? impreun? cu reclama?iile primite conform Legii
193/2000”, sus?in reprezentan?ii ANPC.
Posibile solu?ii
Din p?cate, clientul nu poate refuza plata
comisionului de rezerv? minim? f?r? s? ramburseze imprumutul anticipat. Or,
?inand cont de dobanzile ridicate practicate de b?nci in acest moment ?i de
noul regulament de creditare a BNR, un credit de refinan?are este fie mult mai
scump, fie imposibil de ob?inut.
Pentru a-?i recupera prejudiciul, clien?ii
afla?i in aceast? situa?ie au trei posibilit??i. Cel mai sigur este s? a?tepte
o hot?rare judec?toreasc? definitiv? in acest sens ?i ulterior s? se adreseze
instan?ei pentru a cere daune.
O alt? variant? este s? se prezinte la
prima dat? de judecat?, unde vor solicita recuperarea sumelor in cauz?. Cea
de-a treia variant? presupune ca ace?tia s? dea in judecat? banca, ac?ionand pe
cont propriu.
Reac?ii
Oficialii Volksbank subliniaz? c? m?sura de
a prelungi durata de percepere a comisionului in discu?ie nu poate fi
considerat? abuziv?, avand in vedere argumenta?ia financiar-economic? ?i
temeiul contractual.
Sursa: Business24