{"id":1872,"date":"2021-02-09T11:11:55","date_gmt":"2021-02-09T10:11:55","guid":{"rendered":"https:\/\/advocatsferrer.com\/tarjetes-de-credit-revolving\/"},"modified":"2021-02-09T11:04:47","modified_gmt":"2021-02-09T10:04:47","slug":"tarjetes-de-credit-revolving","status":"publish","type":"post","link":"https:\/\/advocatsferrer.com\/ca\/tarjetes-de-credit-revolving\/","title":{"rendered":"Targetes de cr\u00e8dit revolving"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/tD3Djijw2Xg\" width=\"833\" height=\"415\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/p>\n<p>Cas real del despatx. Al v\u00eddeo Llu\u00eds Ferrer ens llegeix una consulta que acaba de rebre d'una clienta que es diu\u00a0<span class=\"hiddenSpellError\">Yolanda<\/span>\u00a0i que pregunta:<\/p>\n<blockquote><p>\"Hola, tinc una targeta\u00a0<span class=\"hiddenSpellError\">Cetelem<\/span>\u00a0i pago una quota mensual for\u00e7a alta de\u00a0180\u202f\u20ac, no hi ha manera que baixi, \u00e9s una targeta de la qual dec uns\u00a06.500\u202f\u20ac\u00a0i amortitzo nom\u00e9s 13 euros de capital, pago d'interessos\u00a0107\u202f\u20ac\u00a0i despr\u00e9s\u00a050\u202f\u20ac\u00a0d'una asseguran\u00e7a que volia saber qu\u00e8 puc fer\".<\/p><\/blockquote>\n<p>L'advocat li contesta que ha de desfer-se immediatament d'aquesta <strong>targeta revolving<\/strong>, mitjan\u00e7ant reclamaci\u00f3 judicial per haver aplicat\u00a0<span class=\"hiddenSpellError\">Cetelem<\/span>\u00a0interessos usuraris. L'objectiu tamb\u00e9 \u00e9s recuperar tots els interessos de tota la hist\u00f2ria del contracte. Segurament el deute de\u00a06.500\u202f\u20ac\u00a0no nom\u00e9s quedi cancel\u00b7lada sin\u00f3 que\u00a0<span class=\"hiddenSpellError\">Cetelem<\/span>\u00a0acabi pagant a\u00a0<span class=\"hiddenSpellError\">Yolanda<\/span>\u00a0diners, \u00e9s la sanci\u00f3 que imposa la <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-1908-5579\" target=\"_blank\" rel=\"noopener\">Llei de la Usura<\/a>.<\/p>\n<p>Aquest cas no nom\u00e9s \u00e9s predicable de\u00a0<strong><span class=\"hiddenSpellError\">Cetelem<\/span><\/strong>, en el mateix sac cal posar a <strong><span class=\"hiddenSpellError\">Cofidis<\/span><\/strong>,\u00a0<strong><span class=\"hiddenSpellError\">Wizink<\/span><\/strong>,\u00a0<strong><span class=\"hiddenSpellError\">Caixabank<\/span><\/strong>\u00a0i fins a 50 empreses m\u00e9s de mini cr\u00e8dits. A m\u00e9s \u00e9s f\u00e0cil reclamar perqu\u00e8 l'advocat no cobra honoraris inicials, nom\u00e9s si es recupera els diners al final.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ufeff Cas real del despatx. Al v\u00eddeo Llu\u00eds Ferrer ens llegeix una consulta que acaba de rebre d'una clienta que es diu\u00a0Yolanda\u00a0i que pregunta: \"Hola, tinc una targeta\u00a0Cetelem\u00a0i pago una quota mensual for\u00e7a alta de\u00a0180\u202f\u20ac, no hi ha manera que baixi, \u00e9s una targeta de la qual dec uns\u00a06.500\u202f\u20ac\u00a0i amortitzo nom\u00e9s 13 euros de capital, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":880,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post-1872","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/posts\/1872","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/comments?post=1872"}],"version-history":[{"count":0,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/posts\/1872\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/media\/880"}],"wp:attachment":[{"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/media?parent=1872"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/categories?post=1872"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/tags?post=1872"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}