{"id":219301,"date":"2021-06-08T14:01:13","date_gmt":"2021-06-08T12:01:13","guid":{"rendered":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/?p=219301"},"modified":"2021-06-08T14:01:15","modified_gmt":"2021-06-08T12:01:15","slug":"clauze-abuzive-curs-valutar-banca-transilvania","status":"publish","type":"post","link":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/clauze-abuzive-curs-valutar-banca-transilvania\/","title":{"rendered":"Clauze Abuzive Curs Valutar Banca Transilvania"},"content":{"rendered":"\n<h2 class=\"has-text-align-center wp-block-heading\" id=\"h-banca-transilvania-obligata-sa-inghete-cursul-valutar-la-2-2-lei-chf\"><em><span class=\"has-inline-color has-vivid-red-color\">Banca Transilvania obligata sa inghete cursul valutar la 2,2 lei \/ CHF <\/span><\/em><\/h2>\n\n\n\n<p class=\"has-text-align-justify\">Decizia multa asteptata vine si regleaza in mod definitiv contractul de credit semnat cu banca in 2008  si preluat ulterior de catre  Banca Transilvania. Nu este simplu deloc sa dovedesti ca un contract de credit incheiat in 2008 in CHF, intr-o moneda ce NU AVEA CE CAUTA pe piata financiara din Romania, o tara ce urma sa intre in criza financiara 2 ani mai tarziu, este abuziv , ilegal si plin de clauze abuzive  a cursului valutar.<\/p>\n\n\n\n<p>De aceasta data , clauzele abuzive de curs valutar de la Banca Transilvania, au dus contractul de credit semnat in 2008 , la un curs de 2.2 lei \/ CHF.<\/p>\n\n\n\n<p>Contract de credit in CHF ? Verificati daca aveti clauze abuzive in contract.<\/p>\n\n\n<div class=\"wp-block-jetpack-contact-form is-layout-flex wp-container-jetpack-contact-form-is-layout-faa3ad1c wp-block-jetpack-contact-form-is-layout-flex\"><a href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/clauze-abuzive-curs-valutar-banca-transilvania\/\" target=\"_blank\" rel=\"noopener noreferrer\">Submit a form.<\/a><\/div>\n\n\n<p class=\"has-text-align-justify\">In practica unor instante de judecata, se aprecieaza ca inghetarea cursului valutar al CHF ar fi incompatibila cu codul civil si cu practica CJUE.<\/p>\n\n\n\n<p class=\"has-text-align-justify\">La fel de bine se arata in legislatia nationala si chiar in zona Constitutionala ca prevederile europene ce intra in contradictie cu normele nationale, nu se vor aplica.<\/p>\n\n\n\n<p class=\"has-text-align-justify\">Prin urmare, am fost vanduti bancilor cu contractele in franci elvetieni, romanii au avut creditele vandute si contractele de credit cesionate catre recuperatorii de creante iar in fata executarilor silite pornite in baza contractelor de credit pline de clauze abuzive, doar cei ce au stiut sa se apere, au reusit sa iasa din vacarmul creat de catre executarile silite ilegale.<\/p>\n\n\n\n<p class=\"has-text-align-justify\">Astazi discutam despre Clauze Abuzive Curs Valutar Banca Transilvania , despre reusita unui debitor care a avut curajul sa ceara socoteala cu privire la faptul ca in contractul de credit, cursul valutar era lasat doar in bratele imprumutatului iar banca nu isi asuma nimic.<\/p>\n\n\n\n<p><span class=\"has-inline-color has-vivid-red-color\">Sa incepem!<\/span><\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\" id=\"h-26-de-termene-de-judecata-si-2-instante-diferite-pana-la-inghetarea-cursului-valutar-la-2-2-lei-chf\"><strong>26 de termene de judecata si 2 instante diferite pana la inghetarea cursului valutar la 2.2 lei\/ CHF<\/strong><\/h2>\n\n\n\n<p class=\"has-text-align-justify\">Dosarul de clauze abuzive curs valutar Banca Transilvania a inceput in 2016. La momentul acela inghetarea cursului valutar era o absoluta necesitate si amintim ca in 2015 inceput de an, cursului CHF la contractele de credit in acesta moneda, ajunsese la 6 lei \/ CHF in comparatie cu anul 2008 cand acelasi curs al CHF -ului era la doar 2.2 lei si chiar si mai putin, 1,8, lei\/CHF.<\/p>\n\n\n\n<p>Cititi si :<\/p>\n\n\n\n<ul class=\"wp-block-yoast-seo-related-links\"><li><a href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/comisionul-de-acordare-si-administrare-noua-decizie-cjue-c621-2017-clauze-abuzive\/\">Comisionul De Acordare Si Administrare-Noua Decizie CJUE C621-2017-Clauze Abuzive<\/a><\/li><li><a href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/decizie-blocare-curs-valutar-noua-ordonanta-a-cjue-deschide-calea-inghetarii-cursului-valutar-chf-euro-cum-poate-fi-invocata-ordonanta-119-2017-cjue-avocat-cuculis\/\">Decizie Blocare Curs Valutar-Noua Ordonanta A Cjue Deschide Calea Inghetarii Cursului Valutar CHF \/ EURO-Cum Poate Fi Invocata-Ordonanta 119-2017 CJUE-Avocat Cuculis<\/a><\/li><li><a href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/inghetare-curs-valutar-la-2-1-leifranc-otp-bank-marea-pierzatoare-clauze-abuzive-denominare-avocat-cuculis\/\">Inghetare Curs Valutar  La 2.1 Lei\/Franc &#8211; OTP Bank Marea Pierzatoare &#8211; Clauze Abuzive Denominare &#8211; Avocat Cuculis<\/a><\/li><li><a href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/creditele-in-franci-chf-nominalism-monetar-constatarea-clauzelor-abuzive-referitoare-la-cursul-valutar-si-mecanismul-de-creditare-cu-dobanzi-abuzive\/\">Creditele In Franci &#8211; Chf, Nominalism Monetar, Constatarea Clauzelor Abuzive Referitoare La Cursul Valutar Si Mecanismul De Creditare Cu Dobanzi Abuzive<\/a><\/li><li><a href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/noi-perspective-pentru-inghetarea-cursului-valutar-chf\/\">Noi Perspective Pentru Inghetarea Cursului Valutar Chf<\/a><\/li><\/ul>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\" id=\"h-o-clauz-contractual-care-nu-a-fost-negociat-sub-inciden-a-dreptului-uniunii-referitor-la-clauzele-abuzive-si-a-riscului-valutar\">O clauz\u0103 contractual\u0103 care nu a fost negociat\u0103, <a href=\"https:\/\/www.google.com\/search?q=clauze+abuzive+curs+valutar+banca+transilvania&amp;oq=clauze+abuzive+curs+valutar+banca+transilvania&amp;aqs=chrome..69i57.14407j0j1&amp;sourceid=chrome&amp;ie=UTF-8#\"><\/a>\u00a0sub inciden\u021ba dreptului Uniunii referitor la\u00a0<em>clauzele abuzive<\/em> si a riscului valutar. <\/h2>\n\n\n\n<p class=\"has-text-align-justify\">O speta a CJUE arata ca  la 23 martie 2017, NG \u0219i OH au introdus o ac\u021biune la Tribunalul Specializat Cluj (Rom\u00e2nia) prin<br \/>care solicitau constatarea caracterului abuziv al unei p\u0103r\u021bi a contractului de refinan\u021bare, care, de\u0219i stipula c\u0103 plata trebuia efectuat\u0103 \u00een<strong> moneda \u00een care fusese acordat creditul<\/strong>, prevedea c\u0103 \u00eemprumuta\u021bii puteau solicita b\u0103ncii conversia monedei creditului \u00eentr-o alt\u0103 moned\u0103, f\u0103r\u0103 ca banca s\u0103 fie obligat\u0103 s\u0103 accepte. <\/p>\n\n\n\n<p class=\"has-text-align-justify\">Se preciza de asemenea c\u0103 banca era mandatat\u0103 de c\u0103tre \u00eemprumutat s\u0103 sting\u0103 obliga\u021biile de plat\u0103 scadente utiliz\u00e2nd propriul curs de schimb.<\/p>\n\n\n\n<p>Aceeasi situatie si in contractele preluate de catre Banca Transilvania , exista situatia in care puteai sa faci conversia daca BANCA DOREA!<\/p>\n\n\n\n<p>Lucru inadmisibil intr-o relatie contractuala corecta si nu disproportionata precum aceasta unde debitorul are de platit riscul valutar iar banca se imbogateste pe spatele lui.<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\" id=\"h-instantele-din-romania-nu-toate-nu-tin-cont-de-deciziile-pro-banci-ale-cjue-decizii-dupa-opinia-noastra-ce-incalca-grav-rolul-pe-care-cjue-il-are-in-tratarea-problematicii-europene\">Instantele din Romania ( nu toate ) NU TIN CONT DE DECIZIILE PRO BANCI ALE CJUE , decizii dupa opinia noastra ce incalca grav rolul pe care CJUE il are in tratarea problematicii Europene.<\/h2>\n\n\n\n<p class=\"has-text-align-center\">ORDONAN\u021aA CUR\u021aII (Camera a \u0219asea)<\/p>\n\n\n\n<p>14 aprilie 2021(<a href=\"https:\/\/curia.europa.eu\/juris\/document\/document.jsf?text=&amp;docid=240141&amp;pageIndex=0&amp;doclang=RO&amp;mode=lst&amp;dir=&amp;occ=first&amp;part=1&amp;cid=4189256#Footnote*\">*<\/a>) <a href=\"https:\/\/curia.europa.eu\/juris\/document\/document.jsf?text=&amp;docid=240141&amp;pageIndex=0&amp;doclang=RO&amp;mode=lst&amp;dir=&amp;occ=first&amp;part=1&amp;cid=4189256\" target=\"_blank\" rel=\"noreferrer noopener\">Dosarul 364\/19 CJUE<\/a><\/p>\n\n\n\n<p class=\"has-text-align-justify\">\u201eTrimitere preliminar\u0103\u00a0\u2013 Articolul 99 din Regulamentul de procedur\u0103 al Cur\u021bii\u00a0\u2013 Protec\u021bia consumatorilor\u00a0\u2013 Clauze abuzive\u00a0\u2013 Directiva 93\/13\/CEE\u00a0\u2013 Articolul 1 alineatul (2)\u00a0\u2013 Excludere din domeniul de aplicare al acestei directive a clauzelor contractuale care reflect\u0103 dispozi\u021bii obligatorii de drept na\u021bional\u00a0\u2013 Articolul 4 alineatul (2)\u00a0\u2013 Excep\u021bie de la aprecierea caracterului abuziv al unei clauze\u00a0\u2013 Contract de credit acordat \u00een moned\u0103 str\u0103in\u0103\u00a0\u2013 Pretins\u0103 \u00eenc\u0103lcare a obliga\u021biei de informare care \u00eei revine unui profesionist\u00a0\u2013 Examinare care trebuie efectuat\u0103 de instan\u021ba na\u021bional\u0103 cu prioritate \u00een raport cu articolul 1 alineatul (2)\u201d<\/p>\n\n\n\n<p>Se arata in ordonanta CJUE din 14 aprilie 2021 cand poate fi considerata o clauza ca intrand in sfera de aplicare a legii 193\/2000 ca derivat al directivei 93\/13\/CE  decizie atentia pronuntata in opinia noastra cu incalcarea altor decizii care dadeau dreptate consumatorilor iar instantele nationale PUTEAU SI POT constata sau nu caracterul abuziv al clauzelor de risc valutar.<\/p>\n\n\n\n<p>Pentru aceste motive, Curtea (Camera a \u0219asea) declar\u0103:<\/p>\n\n\n\n<p class=\"has-text-align-justify\"><strong>Articolul 1 alineatul (2) \u0219i articolul 4 alineatul (2) din Directiva 93\/13\/CEE a Consiliului din 5 aprilie 1993 privind clauzele abuzive \u00een contractele \u00eencheiate cu consumatorii trebuie interpretate \u00een sensul c\u0103, atunci c\u00e2nd o instan\u021b\u0103 a unui stat membru este sesizat\u0103 cu un litigiu av\u00e2nd ca obiect o clauz\u0103 contractual\u0103 pretins abuziv\u0103 care reflect\u0103 o dispozi\u021bie de drept na\u021bional de natur\u0103 supletiv\u0103, ea este obligat\u0103 s\u0103 examineze cu prioritate inciden\u021ba excluderii din domeniul de aplicare al directivei men\u021bionate, prev\u0103zut\u0103 la articolul 1 alineatul (2) din aceasta, iar nu inciden\u021ba excep\u021biei de la aprecierea caracterului abuziv al clauzelor contractuale, prev\u0103zut\u0103 la articolul 4 alineatul (2) din directiva respectiv\u0103.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-justify\">Pe scurt spune curtea ca avand principiul nominalismului activ in legislatie ca norma supletiva, nu putem include clauza riscului valutar in notiunea de clauza abuziva, lucru pe care instanta de judecata asa cum o sa vedeti, l-a facut deja<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\" id=\"h-clauze-abuzive-curs-valutar-banca-transilvania-instanta-dispune-inghetarea-cursului-valutar-al-chf-la-un-curs-de-2-2-lei-franc-elvetian\">Clauze Abuzive Curs Valutar Banca Transilvania &#8211; Instanta dispune inghetarea cursului valutar al chf la un curs de 2\/2 lei \/ franc elvetian <\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong><a href=\"http:\/\/portal.just.ro\/211\/SitePages\/Dosare_Sedinta.aspx?id_sedinta=21100000000107787&amp;id_inst=211\">19.05.2021<\/a><\/strong><\/td><\/tr><tr><td>Ora estimata: 13:00<br \/>Complet: Complet C13-NCPC<br \/>Tip solutie: <strong>Admite cererea<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-justify\">Solutia pe scurt: Admite actiunea civil\u0103 formulat\u0103 de reclamantii C. C.\u015fi C.E. P., \u00een contradictoriu cu p\u00e2r\u00e2ta SC B. T. \u015fi \u00een consecin\u0163\u0103: <\/p>\n\n\n\n<p class=\"has-text-align-justify\"><em>Constat\u0103 caracterul abuziv al clauzei de risc valutar<\/em> din contractul de credit ipotecar nr. 0142597 din data de 15.02.2008 si \u00een consecint\u0103 constat\u0103 nulitatea absolut\u0103 a acestei clauze urm\u00e2nd a se dispune stabilizarea\/<a href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/category\/adaptarea-inghetarea-cursului-valutar\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00eenghe\u0163area cursului de schimb valutar CHF-LEU<\/a> \u015fi efectuarea pl\u0103\u0163ilor \u00een temeiul contractului de credit la valoarea de la data \u00eencheierii contractului(2,2541 RON\/CHF). <\/p>\n\n\n\n<p class=\"has-text-align-justify\">Oblig\u0103 p\u00e2r\u00e2ta s\u0103 restiuie reclaman\u0163ilor diferen\u0163ele \u00eencasate peste cursul valutar de la momentul semn\u0103rii contractului. Oblig\u0103 p\u00e2r\u00e2ta s\u0103 pl\u0103teasc\u0103 reclaman\u0163ilor suma de 2950 lei cu titlu de cheltuieli de judecat\u0103. <br \/>Document: Hotar\u00e2re\u00a0 3390\/2021\u00a0 19.05.2021<\/p>\n\n\n\n<p>Av.Drd. Cuculis Adrian<\/p>\n\n\n\n<div class=\"wp-block-jetpack-contact-info\">\n<div class=\"wp-block-jetpack-email\"><a href=\"mailto:avocat@indrumari-juridice.eu\">avocat@indrumari-juridice.eu<\/a><\/div>\n\n\n\n<div class=\"wp-block-jetpack-phone\"><a href=\"tel:07222998011\">07222998011<\/a><\/div>\n\n\n\n<div class=\"wp-block-jetpack-address\"><div class=\"jetpack-address__address jetpack-address__address1\">Vaselor Nr. 16 Sectorul 2<\/div><\/div>\n\n\n\n<p><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Banca Transilvania obligata sa inghete cursul valutar la 2,2 lei \/ CHF Decizia multa asteptata vine si regleaza in mod definitiv contractul de credit semnat cu banca in 2008 si preluat ulterior de catre Banca Transilvania. Nu este simplu deloc sa dovedesti ca un contract de credit incheiat in 2008 in CHF, intr-o moneda ce [&hellip;]<\/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":[],"class_list":["post-219301","post","type-post","status-publish","format-standard","hentry","category-avocat-instanta-raspunsuri-juridice"],"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>Clauze Abuzive Curs Valutar Banca Transilvania - Cuculis si Asociatii<\/title>\n<meta name=\"description\" content=\"Clauze Abuzive Curs Valutar Banca Transilvania - 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