tag:blogger.com,1999:blog-42857627604395320922024-03-08T23:10:46.665+02:00Reclamatii Protectia Consumatorului (ANPC)DecaLex.rohttp://www.blogger.com/profile/11447903477482672766noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-4285762760439532092.post-22505221981475563562012-05-20T22:01:00.001+03:002012-05-20T22:01:46.130+03:00Model reclamatie OPC - Clauze abuziveIn situatia In care nu ati ajuns la o Intelegere cu vânzatorul sau cu
administratorul unitatii, atunci aveti dreptul sa depuneti o reclamatie
la Oficiul Judetean pentru Protectia Consumatorilor de pe raza
teritoriala In care Işi desfaşoara activitatea unitatea respectiva sau
puteti expedia reclamatia prin poşta catre acesta.<br />
<br />
Reclamatiile dumneavoastra vor fi instrumentate de catre Oficiile
Judetene pentru Protectia Consumatorilor, In functie de raza teritoriala
In care Işi desfaşoara activitatea operatorul economic care a prestat
serviciul sau de la care s-a achizitionat produsul.<br />
<br />
<br />
<a href="http://www.decalex.ro/" target="_blank"><b>Model de Reclamatie OPC BANCI: </b></a><br />
<br />
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<h1 style="text-align: center;">
<u><span lang="ES" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-ansi-language: ES;">Catre:</span></u></h1>
<h1 style="text-align: center;">
<u><span lang="ES" style="font-family: "Book Antiqua","serif"; font-size: 11pt;">OFICIUL JUDEŢEAN PENTRU PROTECŢIA CONSUMATORILOR al
MUNICIPIULUI BUCURESTI</span></u></h1>
<div align="center" class="MsoNormal" style="text-align: center;">
<span lang="IT" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-ansi-language: IT;">cu sediul în </span><span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt;">Bucureşti, Bulevardul Aviatorilor nr. 72, sector 1</span><span lang="IT" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-ansi-language: IT;"></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoBodyTextIndent">
<span lang="IT" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-ansi-language: IT;">Subsemantul, </span><span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-bidi-font-family: Arial;">........................., domicilat in Bucuresti,
Sector .., .....................................</span><span lang="IT" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-ansi-language: IT;">, în baza prevederilor O.G. nr. 27/2002 şi a legii nr. 193/2000 republicată
şi cu modificările ulterioare, <span style="mso-spacerun: yes;"> </span>depun
prezenta</span></div>
<div class="MsoBodyTextIndent">
<br /></div>
<div class="MsoBodyTextIndent">
<br /></div>
<div class="MsoBodyTextIndent">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt;"><span style="mso-tab-count: 5;"> </span>SESIZARE</span></b></div>
<div class="MsoBodyTextIndent">
<br /></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify;">
<span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;">prin
care solicit efectuarea unui control la banca ...... BANK ROMANIA SA<span style="mso-spacerun: yes;"> </span>şi în urma acestuia sancţionarea unităţii
bancare pentru încălcarea normelor legale în materia acordării creditelor, a
calculului dobânzii şi a evidenţierii formulei de calcul a acesteia în
cuprinsul contractului de credit, precum şi a posibilităţii discreţionare a
băncii de a modifica valoarea dobânzii percepute, fără a indica în mod clar şi
concret indicii de referinţă care permit sau impun aceste modificări.</span></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify;">
<span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;"><span style="mso-tab-count: 1;"> </span>În fapt, subsemnatul am încheiat cu ......
BANK ROMANIA SA<span style="mso-spacerun: yes;"> </span>convenţia de credit, nr.
2712 din 07.11.2007, pentru suma de 66000 EUR.</span></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify;">
<span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;"><span style="mso-tab-count: 1;"> </span>În cursul perioadei contractate ,
respectiv dupa trecerea primului an de<span style="mso-spacerun: yes;">
</span>credit, mi s-a adus la cunoştinţă faptul că urma să suport o rată a
dobânzii majorată, datorită creşterii costurilor bancare directe şi indirecte,
acest lucru fiind facut printr-o notificare fara prea multe explicatii. Aratam
ca la punctul <i style="mso-bidi-font-style: normal;">4.1 alin.2 ”Dobanda curenta
se calculeaza si se actualizeaza in functie de indicele de referinta EURIBOR.
Cotatia EURIBOR se rotunjeste la doua zecimale.</i></span></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify;">
<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;">Alin. 3 ne arata ca nivelul dobanzii curente precticata
de Banca la data semnarii contractului este de 5.75 pe an. Acest nivel fiind fix
in prmul an urmand ca incepand cu al doilea an contractual , nivelul dobanzii
sa se actualizeze in functie de indicatorii mentionati in paragraful
anterioor.De asemenea , incepand cu al doilea an contractual Banca poate
modifica nivelul ratei dobanzii,conform celor stipulate la 4.3(Banca poate
modifica nivelul ratei dobanzii de Credit in cazul in care evolutia pietei
monetare/financiare va justifica o asemenea masura, notoficand imprumutatul
urmand ca la punctul 4.4 in termen de 5 zile de la pimirea notificarii
respective sau de la comunicarea extrasului de cont, Banca primeste din partea
IMprumutatului notificare cu privire la decizia acestuia de a nu mai continua
Creditul, in noile conditii, toate sumele datorare devin scadente si platibile
imedia.”.</span></i></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify;">
<br /></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify;">
<span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;">Pentru
cele expuse mai sus aratam urmatoarele:</span></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify;">
<br /></div>
<div class="MsoBodyText" style="line-height: 130%; margin-left: 36pt; text-align: justify; text-indent: -18pt;">
<span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%; mso-bidi-font-family: "Book Antiqua"; mso-fareast-font-family: "Book Antiqua";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;">1)</span></b><span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;">
In primul rand Banca<span style="mso-spacerun: yes;"> </span>in art. 4.1 arata
ca dobanda se calculeaza in functie de indicele de referinta EURIBOR, insa nu
face specificarea EURIBOR12M SAU 6M etc. In cazul aceluiasi punct indicam
faptul ca nici marja de calcul a bancii NU este specificata, acest lucru
nefiind posibil in mod real, deoarece in functie de aceste coordonate se
calculeaza dobanda bancii. Atragem atentia ca nu este stabilit in acest
contract nici EURIBORUL si nici MARJA Bancii.</span></div>
<div class="MsoBodyText" style="line-height: 130%; margin-left: 36pt; text-align: justify; text-indent: -18pt;">
<span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%; mso-bidi-font-family: "Book Antiqua"; mso-fareast-font-family: "Book Antiqua";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;">Pe plan secund la
punctul<span style="mso-spacerun: yes;"> </span>4.3 Banca introduce o masura
abuziva aratand ca poate modifica nivelul ratei dobanzii in cazul in care
evolutia pietei monetare va justifica o asemenea masura, acest lucru insemnand
ca banca poate modifica UNILATERAL acest contract, ceea ce nu poate fi decat in
dezavantajul Impurmutatului si in contradicitie cu prevederile legale, deoarece
orice clauza prin care doar o parte se obliga nu poate fi primita decat ca
abuziva si in afara ordinii de drept.</span></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify;">
<br /></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify;">
<br /></div>
<div class="MsoBodyText" style="line-height: 130%; margin-left: 18pt; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;">2) </span></b><span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;">Referitor
la Punctul 5.1 din contractul de credit aratam urmatoarele:</span></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify;">
<span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;"><span style="mso-tab-count: 1;"> </span>Comisionul de acordare a Creditului
este in suma de 120 EURO <span style="mso-spacerun: yes;"> </span>plus 2.5% din
suma Creditului platibil o singura data la semnarea prezentului Contract.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-bidi-font-family: Arial;">Referitor la capatul 2 de cerere, cerem instantei
sa declare ca abuzive comisioanele aratate la punctul <b style="mso-bidi-font-weight: normal;">5.1</b>, respectiv. alin. 1, din contractul de imprumut deoarece aceste
comisioane<span style="mso-spacerun: yes;"> </span>au fost incasate in mod
abuziv. Referitor la acest capat<span style="mso-spacerun: yes;"> </span>de
cerere,vazand dispozitiile Legii <b style="mso-bidi-font-weight: normal;">190/1999</b>
<b style="mso-bidi-font-weight: normal;">Art. 15</b> aratam instantei ca in mod abuziv
banca, a incarcat pe imprumutat, desi legea prohibitea acest aspect, sa
plateasca si alte cheltuieli si comisioane de acordare, respectiv acest
comision de acordare este de 120 Euro plus 1650Euro si aici aratam disp. art.
15 care precizeaza <b style="mso-bidi-font-weight: normal;">“</b></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-ansi-language: RO; mso-bidi-font-family: Arial;">In
sarcina imprumutatului vor fi puse numai cheltuielile aferente intocmirii
documentatiei de credit si constituirii ipotecii si garantiilor aferente.”
norma fiind imperetiva prin<span style="mso-spacerun: yes;"> </span>- „vor fi
puse”. Ceea ce ne uluieste definitiv este ca banca invoca in contract legea
190/1999 si totusi incalca dispozitiile acestei legi.</span></b></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-ansi-language: RO; mso-bidi-font-family: Arial;"><span style="mso-tab-count: 1;"> </span>3)
Un </span></b><span style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-ansi-language: RO; mso-bidi-font-family: Arial;"><span style="mso-spacerun: yes;"> </span>alt punct pe care dorim sa il indicam este
punctul 2 din art. 5 subpunctul 5.1 referitor la comisionul de rambursare
anticipata, comision ce a fost eliminat prin ordonanta d eurgenta si pentru
care in cazul in care inca este perceput de cater anumite bani OPC-ul poate
administra amenzi insitutiilor bancare ce practica asemenea comisione.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-ansi-language: RO; mso-bidi-font-family: Arial;"><span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-ansi-language: RO; mso-bidi-font-family: Arial;"><span style="mso-tab-count: 1;"> </span><b style="mso-bidi-font-weight: normal;">4)</b> Alt aspect
important este acela, ca in conformitate cu Legea 193/2000, Art. 4. - (1) O
clauză contractuală care nu a fost negociată direct cu consumatorul va fi
considerată abuzivă dacă, prin ea însăşi sau împreună cu alte prevederi din
contract, creează, în detrimentul consumatorului şi contrar cerinţelor bunei-credinţe,
un dezechilibru semnificativ între drepturile şi obligaţiile părţilor.<br />
(2) O clauză contractuală va fi considerată ca nefiind negociată direct cu
consumatorul dacă aceasta a fost stabilită fără a da posibilitate
consumatorului să influenţeze natura ei, cum ar fi contractele standard
preformulate sau condiţiile generale de vânzare practicate de comercianţi pe
piaţa produsului sau serviciului respectiv</span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-ansi-language: RO; mso-bidi-font-family: Arial;">In aceasta situatie Banca nu a
negociat cu Imprumutatul contractul, ci dimpotriva in momentul semnarii
contractului acesta i-a fost prezentat in forma deja srcrisa expusa semnarii
fara alte elemente de negociere.</span></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify; text-indent: 36pt;">
<span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;">Deşi
am încercat soluţionarea pe cale amiabilă, prin depunderea la diferite date a unor
solicitări la instituţia bancară, răspunsul acesteia nu a fost în măsură să
soluţioneze problemele apărute.</span></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify; text-indent: 36pt;">
<span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;">Pentru
motivele de mai sus, solicităm să dispuneţi efectuarea unui control la banca .... BANK S.A., sucursala, să dispuneţi măsurile legale care se impun şi să ne
comunicaţi la adresa mai sus menţionată, cele constatate şi sancţiunile
aplicate.</span></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify; text-indent: 36pt;">
<span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; line-height: 130%;">Anexăm
prezentei :– fotocopie convenţie de credit, fotocopii după graficele de
rambursare, cererea adresată băncii pentru rezolvarea problemei apărute,
răspunsul băncii.</span></div>
<div class="MsoBodyText" style="line-height: 130%; text-align: justify; text-indent: 36pt;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt;"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>Localitatea<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>Cu stimă,</span><span lang="FR" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt; mso-ansi-language: FR;"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="FR" style="font-family: "Book Antiqua","serif"; font-size: 11pt;"><span>Afla mai multe despre alte banci pe www.decalex.ro </span></span><span lang="EN-US" style="font-family: "Book Antiqua","serif"; font-size: 11.0pt;"></span></div>
<br />
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<a href="http://www,decalex.ro/" target="_blank"><span class="MsoHyperlink"><span lang="FR" style="mso-ansi-language: FR;"><span style="text-decoration: none;"></span></span><i style="mso-bidi-font-style: normal;"><span lang="EN-US"></span></i></span></a><i style="mso-bidi-font-style: normal;"><span lang="EN-US"></span></i>DecaLex.rohttp://www.blogger.com/profile/11447903477482672766noreply@blogger.com0