{"id":156156,"date":"2018-12-30T12:10:04","date_gmt":"2018-12-30T09:10:04","guid":{"rendered":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/?p=156156"},"modified":"2020-03-19T14:07:35","modified_gmt":"2020-03-19T12:07:35","slug":"poprire-executare-ferratum-romania-ifn-dobanda-penalizatoare-declarata-abuziva-executarea-silita-anulata","status":"publish","type":"post","link":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/poprire-executare-ferratum-romania-ifn-dobanda-penalizatoare-declarata-abuziva-executarea-silita-anulata\/","title":{"rendered":"Poprire Executare Ferratum Romania Ifn-Dobanda Penalizatoare  Declarata Abuziva Si Executarea Silita Anulata"},"content":{"rendered":"\n<p>Ferratum Romania Ifn si clauzele abuzive &#8211; Infiintarea de poprire prin executare silita inceputa de catre Ferratum Romania Ifn, anulata de catre instanta &#8211; Ifn-ul Ferratum a folosit si foloseste in continuare in cadrul contractelor de imprumut, <strong>clauze ce au fost declarate ca avand valenta abuziva.<\/strong><\/p>\n\n\n\n<p>Dobanda penalizatoare din cadrul titlului executoriu, a fost considerata de catre instanta ca nefiind conforma. Valenta abuziva a unei clauze indica de fapt si o imoralitate a acesteia.<\/p>\n\n\n\n<p><strong>Pont juridic <\/strong>&#8211; sa nu faceti confuzia intre ceea ce inseamna <u><em>o clauza ilegala si o clauza abuziva.<\/em><\/u><\/p>\n\n\n\n<p>Astfel, desi Ifn-ul Ferratum Romania avea tehnic posibilitatea sa insereze in cadrul conventiei o dobanda, in raport de persoana imprumutatului dar si de indeplinirea celor 3 conditii din legea 193\/2000, asta nu insemna ca clauza de dobanda penalizatoare nu putea fi considerata de catre instanta ca avand caracter abuziv.<\/p>\n\n\n\n<p>Caracterul abuziv este dat de faptul ca referitor la clauza de dobanda contractuala, aceasta nu a fost negociata, a produs vadit un dezechilibru contractual si da, putem spune ca a fost inserata <strong>cu rea credinta in contract.<\/strong><\/p>\n\n\n\n<p>Dobanda penalizatoare de <u><em>0.45% pe ziua de intarziere<\/em><\/u>&#8211; O dobanda colosala si prohibitiva, menita sa il duca la ruina pe debitor si sa imbogateasca nejustificat un creditor care oricum primea pentru banii pusi la dispozitie, o dobanda contractuala. Deci inserarea unei dobanzi penalizatoare, nu face nimici altceva decat sa sporeasca sarcina financiara a debitorului  fara sa existe o contraprestatie a IFN-ului sau macar un prejudiciu.<\/p>\n\n\n\n<p>Opinam ca dobanda contractuala penalizatoare, alaturi de dobanda contractuala, ambele puse in acelasi contract, cea dintai ar putea sa aiba chiar si valenta ilegala si nu doar abuziva..<\/p>\n\n\n<ol class=\"has-avatars has-dates has-excerpts wp-block-latest-comments\"><li class=\"wp-block-latest-comments__comment\"><article><footer class=\"wp-block-latest-comments__comment-meta\"><a class=\"wp-block-latest-comments__comment-author\" href=\"https:\/\/www.indrumari-juridice.eu\">Avocat Cuculis Adrian<\/a> on <a class=\"wp-block-latest-comments__comment-link\" href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/sesizarea-curtii-constitutionale-pentru-plata-cass-pe-pensiile-peste-3000-lei\/#comment-206505\">Sesizarea Curtii Constitutionale Pentru Plata Cass Pe Pensiile Peste 3000 Lei<\/a><time datetime=\"2026-05-15T09:44:58+02:00\" class=\"wp-block-latest-comments__comment-date\">15 May, 2026<\/time><\/footer><div class=\"wp-block-latest-comments__comment-excerpt\"><p>Adevarat a Inviat! Ba asta trebuie facut. Cu bine, Av. Dr. Cuculis 0722298011<\/p>\n<\/div><\/article><\/li><li class=\"wp-block-latest-comments__comment\"><article><footer class=\"wp-block-latest-comments__comment-meta\"><a class=\"wp-block-latest-comments__comment-author\" href=\"https:\/\/www.indrumari-juridice.eu\">Avocat Cuculis Adrian<\/a> on <a class=\"wp-block-latest-comments__comment-link\" href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/sesizarea-curtii-constitutionale-pentru-plata-cass-pe-pensiile-peste-3000-lei\/#comment-206504\">Sesizarea Curtii Constitutionale Pentru Plata Cass Pe Pensiile Peste 3000 Lei<\/a><time datetime=\"2026-05-15T09:44:42+02:00\" class=\"wp-block-latest-comments__comment-date\">15 May, 2026<\/time><\/footer><div class=\"wp-block-latest-comments__comment-excerpt\"><p>Nu vreti si banii din urma?<\/p>\n<\/div><\/article><\/li><\/ol>\n\n\n<p>Nu uitati- RIL- XI al ICCJ   &#8211;  <strong>Clauza penala prin care se stabileste obligatia restituirii la scadenta a sumei imprumutate sub sanctiunea penalitatilor de intarziere, pe langa dobanda contractuala convenita sau pe langa dobanda legala, contravine prevederilor legii.&nbsp;<\/strong><\/p>\n\n\n\n<p>Solutia instantei a fost de evacuare a dobanzii penalizatoare din contract, de 0,45% si de anularea a executarii silite prin prisma contestatiei la executare(<a href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/cum-formulam-contestatiile-executare-2019-metode-aparare-impotriva-executarilor-silite-judecatoresti-codul-de-procedura-civila-modificat-legea-310-2018\/\">Atentie din 2019 procedura de contestatie la executare s-a modificat)<\/a>  si la titlu pe care debitorul a formulat-o.<\/p>\n\n\n\n<p>De observat si regularitatea faptului ca implicit onorariul de executor a fost cenzurat.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td><strong><a href=\"http:\/\/portal.just.ro\/301\/SitePages\/Dosare_Sedinta.aspx?id_sedinta=30100000000087618&amp;id_inst=301\">17.12.2018<\/a><\/strong>Ora estimata: 08:30<br \/>Complet: C 10 Civil<br \/>Tip solutie:<strong> Admite in parte cererea<\/strong><br \/><br \/>Solutia pe scurt: Respinge exceptia tardivit\u0103tii contestatiei la executare, ca ne\u00eentemeiat\u0103. <br \/><strong>Admite \u00een parte contestatia la executare. Constat\u0103 caracterul abuziv al clauzei contractuale de la art. 1.5 din contractul de credit nr.AXLX911 din data de 21.06.2016 cu privire la perceperea unei dob\u00e2nzi penalizatoare \u00een cuantum de 0,43 % pe zi calculat\u0103 conform conditiilor prev\u0103zute \u00een contract. <\/strong><br \/><u><em>Constat\u0103 nulitatea absolut\u0103 a clauzei declarat\u0103 ca fiind abuziv\u0103 si dispune eliminarea acestei clauze din contract. <\/em><\/u><br \/><br \/><strong>Anuleaz\u0103 \u00een parte executarea si toate actele de executare silit\u0103<\/strong> din dosarul de executare nr. 1676\/2018 BEJA Dorina Gont, Lucian Gont si Marian Panait, numai \u00een ceea ce priveste suma reprezent\u00e2nd <strong>dob\u00e2nda penalizatoare \u00een cuantum de 0,43 % pe zi \u015fi dispune recalcularea onorariului executorului judec\u0103toresc raportat la suma r\u0103mas\u0103 de executat.<\/strong><\/td><\/tr><\/tbody><\/table>\n\n\n\n<p style=\"text-align:center\">Simularea sanselor castigarii unui proces in instanta <a href=\"https:\/\/indrumari-juridice.eu\/simulare-sanse-castig-proces-inteligenta-artificiala.html\">cu ajutorul inteligentei artificiale.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ce inseamna de fapt o dobanda de 0.45%\/ ziua de intarziere si se poate ruina un debitor pentru o asemenea dobanda? Ferratum Romania Ifn incaseaza dobanzi abuzive!<\/h3>\n\n\n\n<p>La un simplu calcul observam ca dobanda de 0,45%, raportata la un an calendaristic, rezulta de esenta ca imprumutatul va avea de platit cu 150% mai mult intr-un an decat la momentul la care a ridicat imprumutul efectiv.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-cuculis-si-asociatii\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"5Nmjk5sh9w\"><a href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/bomba-cjue-atac-la-dobanda-bancilor-dobanda-penalizatoare-excesiva-considerata-clauza-abuziva-executari-silite-cu-sume-crescute-artifical-contracte-de-credit-cu-dobanda-ilegala-cauzele-c-96-16-si-c-94\/\">Bomba-Cjue Atac La Dobanda Bancilor-Dobanda Penalizatoare Excesiva Considerata Clauza Abuziva-Executari Silite Cu Sume Crescute Artifical-Contracte De Credit Cu Dobanda Ilegala-Cauzele C-96\/16 \u0219i C-94\/17 &#8211; Avocat Cuculis<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Bomba-Cjue Atac La Dobanda Bancilor-Dobanda Penalizatoare Excesiva Considerata Clauza Abuziva-Executari Silite Cu Sume Crescute Artifical-Contracte De Credit Cu Dobanda Ilegala-Cauzele C-96\/16 \u0219i C-94\/17 &#8211; Avocat Cuculis&#8221; &#8212; Cuculis si Asociatii\" src=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/bomba-cjue-atac-la-dobanda-bancilor-dobanda-penalizatoare-excesiva-considerata-clauza-abuziva-executari-silite-cu-sume-crescute-artifical-contracte-de-credit-cu-dobanda-ilegala-cauzele-c-96-16-si-c-94\/embed\/#?secret=hBkKaOsu2R#?secret=5Nmjk5sh9w\" data-secret=\"5Nmjk5sh9w\" width=\"550\" height=\"310\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><figcaption>Articolul continua mai jos<\/figcaption><\/figure>\n\n\n\n<p>Pentru simplificarea lucrurilor, daca imprumutatul retrage o suma de 10000 de lei si nu reuseste sa-i restituie , va avea de platit pana la finalul primului an contractual, suma de 25000 de lei.<\/p>\n\n\n\n<p>Contestatia la executare impotriva Ferratum Romania Ifn  daca sunteti deja in executare silita sau actiunea de drept comun prin care sa evacuati orice tip de clauza neconforma\/abuziva din cadrul contractelor se poate face cu succes insa doar respectand tipicitatea actiunilor in sine si doar de catre un <strong>avocat specializat in litigii bancare.<\/strong><\/p>\n\n\n\n<p>Este abuziva dobanda penalizatoare avand in vedere cuantumul imoral pe care aceasta se bazeaza. De exemplu, acelasi<a href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/dobanda-de-2068-in-contractele-cu-inf-urile-din-romania-ferratum-romania-ifn-incalca-ordinea-morala-cu-o-dobanda-colosala-av-cuculis\/\"> IFN Ferratum imprumuta cu dobanzi de 2068%<\/a> fapt ce evident intra deja in sfera ilicitului si <strong>abuzului de drept.<\/strong><\/p>\n\n\n\n<p>Av.Drd. Cuculis A.<\/p>\n\n\n\n<p>0314124888 &#8211;  avocat@indrumari-juridice.eu<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p style=\"text-align:center\"><a href=\"https:\/\/indrumari-juridice.eu\/contact.html\">Sunteti executat silit sau urmariti sa verificati legalitatea contractului pe care l-ati semnat? Click aici pentru a stabili o consultanta juridica.<\/a><\/p>\n\n\n<p><!--EndFragment--><br \/>\n<br \/>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Ferratum Romania Ifn si clauzele abuzive &#8211; Infiintarea de poprire prin executare silita inceputa de catre Ferratum Romania Ifn, anulata de catre instanta &#8211; Ifn-ul Ferratum a folosit si foloseste in continuare in cadrul contractelor de imprumut, clauze ce au fost declarate ca avand valenta abuziva. Dobanda penalizatoare din cadrul titlului executoriu, a fost considerata [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":115652,"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":[4813,4818,4815],"class_list":["post-156156","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avocat-instanta-raspunsuri-juridice","tag-avocat-dobanda-penalizatoare","tag-avocat-ferratum","tag-ferratum-executa-silit-debitor"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Poprire Executare Ferratum Romania Ifn-Dobanda Penalizatoare Declarata Abuziva Si Executarea Silita Anulata - 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