{"id":8162,"date":"2016-09-02T11:32:00","date_gmt":"2016-09-02T11:32:00","guid":{"rendered":"http:\/\/www.7life.ro\/?p=8162"},"modified":"2016-09-02T11:32:00","modified_gmt":"2016-09-02T11:32:00","slug":"recupertorii-de-credite-kruk-eos-ksi-suport-colect-crc-recuperare-creante-sunt-la-limita-legii-sau-chiar-penali","status":"publish","type":"post","link":"http:\/\/timesnews.ro\/?p=8162","title":{"rendered":"RECUPERTORII de CREDITE, Kruk, Eos Ksi, Suport Colect, CRC Recuperare Crean\u021be sunt la LIMITA LEGII sau chiar PENALI"},"content":{"rendered":"<div class=\"entry-content clearfix\">\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-8163\" src=\"http:\/\/www.7life.ro\/wp-content\/uploads\/2016\/09\/avocat-executare-silita.jpg\" alt=\"avocat-executare-silita\" width=\"400\" height=\"254\" \/><\/p>\n<p><strong>Recuperarea crean\u0163elor, la limita legii penale \u015fi pu\u0163in peste.<\/strong><\/p>\n<p>Nu de pu\u0163ine ori, auzim termenul de recuperator de crean\u0163e. Un termen care ne d\u0103 fiori, atunci c\u00e2nd avem calitatea de debitor \u015fi creeaz\u0103 o stare tumultoas\u0103, doar la g\u00e2ndul c\u0103 am putea intra pe \u201cm\u00e2na\u201dacestora.<\/p>\n<p>\u00cen realitatea, \u00een Rom\u00e2nia, recuperatorul de crean\u0163e nu exista,iar datorat lipsei unei legi care s\u0103 reglementeze aceast\u0103 \u201c\u00eendeletnicire\u201d, s-au format tot soiul de societ\u0103\u0163i comerciale cu nume agresive \u015fi comportamente penale care \u00eei agreseaz\u0103 psihic pe debitori.<\/p>\n<p><strong>Ce trebuie s\u0103 cunoa\u015ftem dac\u0103 avem calitatea de debitor?<\/strong><br \/>\n\u00cen primul r\u00e2nd singura persoan\u0103 care are dreptul s\u0103 popreasc\u0103 conturile sau s\u0103 v\u00e2nd\u0103 un bun imobil, al unei persoane fizice, este executorul judec\u0103toresc, \u00eens\u0103 \u015fi el sub controlul instan\u0163ei de judecat\u0103, ori, dac\u0103 cumva apreciem c\u0103 o anumit\u0103 executare silit\u0103 este neconforma sau avem suspiciunea ca un anumit lucru din procedura de executare silit\u0103 este suspicios, mai bine l\u0103s\u0103m instan\u0163\u0103 de judecat\u0103, prin calea unei contesta\u0163ii la executare, s\u0103 tran\u015feze situa\u0163ia.<br \/>\nA\u015fa cum am spus, recuperatorul de crean\u0163\u0103, nu exista \u00een Rom\u00e2nia din punct de vedere legal, ci doar faptic, astfel \u00eenc\u00e2t, atunci c\u00e2nd primim telefoane repetate sub form\u0103 de amenin\u0163are, legitim\u0103(fiindc\u0103 dac\u0103 amenin\u0163area ar fi nelegitima am vorbi de o alt\u0103 infrac\u0163iunea), trebuie s\u0103 cunoa\u015ftem c\u0103 avem reglementata urm\u0103toarea infrac\u0163iune:<\/p>\n<p>Art. 208. \u2013 (2) Efectuarea de apeluri telefonice sau comunic\u0103ri prin mijloace de transmitere la distan\u0163\u0103, care, prin frecven\u0163\u0103 sau con\u0163inut, \u00eei cauzeaz\u0103 o temere unei persoane, se pedepse\u015fte cu \u00eenchisoare de la o lun\u0103 la 3 luni sau cu amend\u0103, dac\u0103 fapta nu constituie o infrac\u0163iune mai grav\u0103.<br \/>\n(3) Ac\u0163iunea penal\u0103 se pune \u00een mi\u015fcare la pl\u00e2ngerea prealabil\u0103 a persoanei v\u0103t\u0103mate.<\/p>\n<p>Desprindem \u00een esen\u0163\u0103 faptul, c\u0103, dac\u0103 o persoan\u0103 este sunata insistent \u015fi i se induce o stare de team\u0103 \u015fi aici nu putem s\u0103 nu d\u0103m exemple clare prin care recuperatorii solicit\u0103 v\u00e2nzarea bunurilor din casa pentru acoperirea datoriei, se poate re\u0163ine ca prin aceste apeluri telefonice repetate \u015fi prin folosirea mijloacelor de intimidare mai sus amintite, acel recuperator \u00eencalca legea penal\u0103.<\/p>\n<p>Chiar \u015fi recuperarea crean\u0163elor, trebuie f\u0103cut\u0103 cu o anumit\u0103 m\u0103sur\u0103 \u015fi respectarea \u00een primul r\u00e2nd a demnit\u0103\u0163ii umane ori, modul \u00een care se desf\u0103\u015foar\u0103 aceast\u0103 procedur\u0103 \u00een Rom\u00e2nia este departe de a fi legal\u0103.<\/p>\n<p>De asemenea, foarte multe credite sunt prescrise, iar prin faptul c\u0103 recuperatorii de crean\u0163e folosesc un limbaj agresiv cu amenin\u0163\u0103ri precum \u00eenchisoarea \u00een caz de neplata nu fac altceva dec\u00e2t s\u0103 \u00een\u015fele opinia debitorilor pe care \u00eei p\u0103c\u0103lesc s\u0103 pl\u0103teasc\u0103 orice sum\u0103 de bani pentru a \u00eentrerupe termenul prescrip\u0163iei ca astfel s\u0103 poat\u0103 fi executa\u0163i ulterior.<\/p>\n<p>\u00cen situa\u0163ia \u00een care aceste lucruri se \u00eent\u00e2mpl\u0103 de asemenea natur\u0103, se pune problema evident a unui prejudiciu moral iar art. 253 Cod Penal, arata ca persoana fizic\u0103 ale c\u0103rei drepturi nepatrimoniale au fost \u00eenc\u0103lcate ori amenin\u0163ate poate cere oric\u00e2nd instan\u0163ei:<\/p>\n<p>a) interzicerea s\u0103v\u00e2r\u015firii faptei ilicite, dac\u0103 aceasta este iminent\u0103;<br \/>\nb) \u00eencetarea \u00eenc\u0103lc\u0103rii \u015fi interzicerea pentru viitor, dac\u0103 aceasta dureaz\u0103 \u00eenc\u0103;<br \/>\nc) constatarea caracterului ilicit al faptei s\u0103v\u00e2r\u015fite, dac\u0103 tulburarea pe care a produs-o subzist\u0103.<\/p>\n<p>De asemenea, persoana prejudiciat\u0103 poate cere desp\u0103gubiri sau, dup\u0103 caz, o repara\u0163ie patrimonial\u0103 pentru prejudiciul, chiar nepatrimonial, ce i-a fost cauzat, dac\u0103 v\u0103t\u0103marea este imputabil\u0103 autorului faptei prejudiciabile.<\/p>\n<p>Nu avem calitatea de suspec\u0163i sau infractori, a\u015fa cum se exprima recuperatorii, ci avem calitatea de \u00eemprumuta\u0163i care nu \u015fi-au mai putut pl\u0103ti d\u0103rile av\u00e2nd \u00een vedere o situa\u0163ie economic\u0103 nefavorabila, ori acest lucru nu ne face s\u0103 fiim buni de pus la zid, cum ar considera unii bancheri.<\/p>\n<p>Lipsa dreptului de a percepe penalit\u0103\u0163i de c\u0103tre recuperatorii de crean\u0163e, astfel \u00een raport de legea 58\/1998 a institu\u0163iilor bancare.<\/p>\n<p>Art. 1. \u2013 Activitatea bancar\u0103 \u00een Rom\u00e2nia se desf\u0103\u015foar\u0103 prin Banca Na\u0163ional\u0103 a Rom\u00e2niei \u015fi prin b\u0103nci. Prin lege se poate autoriza desf\u0103\u015furarea activit\u0103\u0163ii bancare \u015fi de c\u0103tre alte persoane juridice, cu respectarea principiilor prezen\u0163ei legi. Art. 2. \u2013 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.<\/p>\n<p>\u00cen atare situa\u0163ie, orice banc\u0103 ar putea inchieta mii de contracte de creditare sub un acoperi\u015f \u015fi fa\u0163ada legal\u0103 \u015fi ar cesiona toate contractele de credit c\u0103tre recuperatorii de crean\u0163e astfel elud\u00e2ndu-se legea \u015fi orice persoan\u0103 fizic\u0103\/juridica ar putea \u00eencheia contracte de credit bancar.<\/p>\n<p>At\u00e2ta vreme c\u00e2t recuperatorul de crean\u0163e NU face dovada c\u0103 este \u00eenregistrat\u0103 \u00een scopul de desf\u0103\u015furare a actiivitatilor bancare, este evident c\u0103 aceasta nu ar dreptul s\u0103 perceap\u0103 dob\u00e2nzile bancare instituite prin lege.<\/p>\n<p>Este foarte adev\u0103rat c\u0103 OUG 13\/2011 arata \u00een art. 1 ca \u201c(1) P\u0103r\u0163ile sunt libere s\u0103 stabileasc\u0103, \u00een conven\u0163ii, rata dob\u00e2nzii at\u00e2t pentru restituirea unui \u00eemprumut al unei sume de bani, c\u00e2t \u015fi pentru \u00eent\u00e2rzierea la plata unei obliga\u0163ii b\u0103ne\u015fti. \u201e \u00cens\u0103 \u00eentre aceste p\u0103r\u0163i trebuie s\u0103 exist\u0103 rela\u0163ia de furnizor consumator iar furnizorul \u00een spe\u0163a noastr\u0103 \u201e Recuperatorul de crean\u0163e\u201d nu este constituit legal pentru a \u00eencasa dob\u00e2nzi bancare.<\/p>\n<p>sursa:\u00a0<a href=\"http:\/\/indrumari-juridice.eu\/indrumarijuridice\/recuperatorii-de-creante-kruk-eos-ksi-suport-colect-crc-recuperare-creante-executari-silite-la-limita-legii-penale-av-cuculis-consideratii-despre-recuperatorii-de-creante\/\">indrumari-juridice.eu<\/a><\/p>\n<div class=\"wpfblike\"><iframe loading=\"lazy\" class=\"\" title=\"fb:like Facebook Social Plugin\" src=\"https:\/\/www.facebook.com\/plugins\/like.php?action=like&amp;app_id=&amp;channel=http%3A%2F%2Fstaticxx.facebook.com%2Fconnect%2Fxd_arbiter%2Fr%2FuN4_cXtJDGb.js%3Fversion%3D42%23cb%3Df32e8a15565c02a%26domain%3Dinfopuls.ro%26origin%3Dhttp%253A%252F%252Finfopuls.ro%252Ff37d686bb67384c%26relation%3Dparent.parent&amp;color_scheme=light&amp;container_width=0&amp;href=http%3A%2F%2Finfopuls.ro%2F2016%2F08%2F08%2Frecupertorii-de-credite-kruk-eos-ksi-suport-colect-crc-recuperare-creante-sunt-la-limita-legii-sau-chiar-penali%2F&amp;layout=button_count&amp;locale=ro_RO&amp;sdk=joey&amp;send=true&amp;show_faces=false&amp;width=400\" name=\"fe0a50b33368cc\" width=\"400px\" height=\"1000px\" frameborder=\"0\" scrolling=\"no\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Recuperarea crean\u0163elor, la limita legii penale \u015fi pu\u0163in peste. Nu de pu\u0163ine ori, auzim termenul de recuperator de crean\u0163e. Un termen care ne d\u0103 fiori, atunci c\u00e2nd avem calitatea de debitor \u015fi creeaz\u0103 o stare tumultoas\u0103, doar la g\u00e2ndul c\u0103 am putea intra pe \u201cm\u00e2na\u201dacestora. <a class=\"mh-excerpt-more\" href=\"http:\/\/timesnews.ro\/?p=8162\" title=\"RECUPERTORII de CREDITE, Kruk, Eos Ksi, Suport Colect, CRC Recuperare Crean\u021be sunt la LIMITA LEGII sau chiar PENALI\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":8163,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[119],"tags":[2887,53,2888,2889,2890,2891,2892,2893,2894,2895,2029,2896,2897,2898,2899,2900,2901,865,2902,760],"class_list":["post-8162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-la-zi","tag-avocat","tag-colegii","tag-crc-recuperare-creante","tag-credite","tag-cuculis","tag-cunoastem","tag-eos-ksi","tag-executare","tag-fiori","tag-firme","tag-infractiune","tag-kruk","tag-la-limita","tag-poprire","tag-procedura","tag-recuperare","tag-suport-colect","tag-suspiciune","tag-termen","tag-trebuie"],"_links":{"self":[{"href":"http:\/\/timesnews.ro\/index.php?rest_route=\/wp\/v2\/posts\/8162","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/timesnews.ro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/timesnews.ro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/timesnews.ro\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/timesnews.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8162"}],"version-history":[{"count":0,"href":"http:\/\/timesnews.ro\/index.php?rest_route=\/wp\/v2\/posts\/8162\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/timesnews.ro\/index.php?rest_route=\/"}],"wp:attachment":[{"href":"http:\/\/timesnews.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8162"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/timesnews.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8162"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/timesnews.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}