{"id":12085,"date":"2015-10-13T12:45:42","date_gmt":"2015-10-13T09:45:42","guid":{"rendered":"http:\/\/indrumari-juridice.eu\/indrumarijuridice\/?p=12085"},"modified":"2020-03-19T14:12:28","modified_gmt":"2020-03-19T12:12:28","slug":"in-premiera-avocat-cuculis-va-arata-cu-acte-cat-valoreaza-de-fapt-creanta-vanduta-de-catre-banci-catre-recupeartorii-de-creante-si-care-este-profitul-lor-real-si-cum-va-mint-la-negocieri-ca-nu-po","status":"publish","type":"post","link":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/in-premiera-avocat-cuculis-va-arata-cu-acte-cat-valoreaza-de-fapt-creanta-vanduta-de-catre-banci-catre-recupeartorii-de-creante-si-care-este-profitul-lor-real-si-cum-va-mint-la-negocieri-ca-nu-po\/","title":{"rendered":"In Premiera Avocat Cuculis Va Arata Cu Acte, Cat Valoreaza De Fapt Creanta Vanduta De Catre Banci Catre Recupeartorii De Creante Si Care Este Profitul Lor Real Si Cum Va Mint La “Negocieri” Ca Nu Pot Diminua Datoria"},"content":{"rendered":"

Creante de 33.000.000 Euro sunt vandute pentru 1.500.000 Euro.<\/strong><\/em><\/p>\n

Am cumpatat daca sa prezint in mod public acest document fiindca as putea fi ulterior acuzat de faptul ca as avea o disputa personala cu recuperatorii de creante. Sa eliminam de la bun inceput acest lucru, nu am nicio legatura personala cu acestia ci prin prisma clientilor abuzati de recuperatorii de creante am expus cu fiecare ocazie, ceea ce este corect si ceea ce este abuziv.<\/p>\n

Poate un recuperator de creante sa perceapa dobanzile din contractul bancar?<\/strong><\/span><\/em><\/p>\n

Intrebarea de mai sus, probabil ca este in mintea tuturor celor care sunt in executare silita sau sunt cedati catre recuperatorii de creante, acest aspect fiind de asemenea extrem de important cu privire la intinderea concreta a obligatiei contractuale.<\/p>\n

\"20151009<\/p>\n

\"20151009<\/p>\n

In legislatia din Romania exista 2 tipuri de cesiune cu privire la o creanta-<\/p>\n

a) Cesiunea de creanta, a sumei de bani efective art 1556 Cod Civil \u00a0(1) Cesiunea de crean\u0163\u0103 este conven\u0163ia prin care creditorul cedent transmite cesionarului o crean\u0163\u0103 \u00eempotriva unui ter\u0163.<\/p>\n

b)Cesiunea contractului care reprezinta practic o substituire in partile initial contractante si este reglementata de art. 1315 \u00a0respectiv\u00a0(1) O parte poate s\u0103 \u00ee\u015fi substituie un ter\u0163 \u00een raporturile n\u0103scute dintr-un contract numai dac\u0103 presta\u0163iile nu au fost \u00eenc\u0103 integral executate, iar cealalt\u0103 parte consimte la aceasta.<\/p>\n

Diferente?<\/strong><\/span><\/em><\/p>\n

Daca intre Banca si Recuperatorul de creante se incheie un contract de cesiune de creante<\/strong><\/span><\/em> atunci recuperatorul nu are dreptul<\/strong><\/span><\/em> sa perceapa dobanzile aferente contractului de credit fiindca nu a primit contractul ci doar creanta, ce poate avea doar o valoare FIXA, respectiv, suma pe care imprumutatul o datoreaza bancii la momentul cesiunii creantei.<\/p>\n

Daca intre Banca si Recuperatorul de creante se inchide un contrat de cesiune de contract, acesta este ILEGAL SI NUL\u00a0<\/strong>si evident ca recuperatorul NU ARE DREPTUL SA INCASEZE DOBANZI.<\/span><\/em><\/p>\n

Rationamentul este unul logic, dat fiind faptul ca un contract de credit, un imprumut bancar, nu poate fi incheiat decat de un anumit tip de creditor si anume cel banacar sau nebacar insa sub coordonarea BNR. Daca contractul de credit ar fi cesionat catre un recuperator de creante care este un S.R.L, acesta NU AR AVEA CALITATEA NECESARA DATA DE LEGE pentru a putea sta parte intr-un contract de credit unde ca si calitate primordiala, imprumutatorul sau creditorul trebuie sa fie Banca Comerciala ORI Institutie financiara Nebancara.<\/p>\n

Pe cale de consecinta, dobanzile pe care aceste institutii le percep dupa cesionarea lor de la banca catre recuperatori, sunt ilegale.<\/p>\n

Art. 1. – Activitatea bancar\u0103 \u00een Rom\u00e2nia se desf\u0103\u015foar\u0103 prin Banca Na\u0163ional\u0103 a Rom\u00e2niei \u015fi prin b\u0103nci.<\/div>\n
\u00a0\u00a0\u00a0 Prin lege se poate autoriza desf\u0103\u015furarea activit\u0103\u0163ii bancare \u015fi de c\u0103tre alte persoane juridice, cu respectarea principiilor prezentei legi.<\/div>\n
Art. 2. – Prezenta lege se aplic\u0103 b\u0103ncilor, persoane juridice rom\u00e2ne, constituite ca societ\u0103\u0163i comerciale, precum \u015fi sucursalelor din Rom\u00e2nia ale b\u0103ncilor, persoane juridice str\u0103ine.<\/div>\n
Extras din legea 58\/1999 de reglementare a activitatii bancare.<\/div>\n
<\/div>\n

Cat costa de fapt creante pe cre bancile o vand recuperatorilor?<\/strong><\/p>\n

Creantele se vand cu pana la cel mult 4.5% din suma pe care banca o are impotriva debitorului, asa ca atunci cand negociati cu recuperatorii de creante, puteti cunoaste pozitia de la care ei pleaca.<\/p>\n

Bancile, prin creerea de provizioane, pe care mai departe le deduc fiscal tot de la STATUL ROMAN, nu ies in pierdere cu niciun leu, insa prin cesiunea de creanta facuta pe un “pret corect” asa cum apare in contractul de cesiune.<\/strong><\/p>\n

In documentul de mai sus, observati un capat de tabel prin care, creantele dvs. de 33.000.000 Euro sunt vandute pentru 1.500.000 Euro.<\/strong><\/span><\/em><\/p>\n

avocat Cuculis Adrian<\/p>\n

avocat@indrumari-juridice.eu<\/p>\n","protected":false},"excerpt":{"rendered":"

Creante de 33.000.000 Euro sunt vandute pentru 1.500.000 Euro. Am cumpatat daca sa prezint in mod public acest document fiindca as putea fi ulterior acuzat de faptul ca as avea o disputa personala cu recuperatorii de creante. Sa eliminam de la bun inceput acest lucru, nu am nicio legatura personala cu acestia ci prin prisma […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[4],"tags":[2235,1565,2234],"class_list":["post-12085","post","type-post","status-publish","format-standard","hentry","category-avocat-instanta-raspunsuri-juridice","tag-cesiune-creanta","tag-kruk-romania","tag-recuperator"],"yoast_head":"\nIn Premiera Avocat Cuculis Va Arata Cu Acte, Cat Valoreaza De Fapt Creanta Vanduta De Catre Banci Catre Recupeartorii De Creante Si Care Este Profitul Lor Real Si Cum Va Mint La "Negocieri" Ca Nu Pot Diminua Datoria<\/title>\n<meta name=\"description\" content=\"In Premiera Avocat Cuculis Va Arata Cu Acte, Cat Valoreaza De Fapt Creanta Vanduta De Catre Banci Catre Recupeartorii De Creante Si Care Este Profitul Lor Real Si Cum Va Mint La "Negocieri" Ca Nu Pot Diminua Datoria - 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