{"id":6044,"date":"2025-11-26T13:09:57","date_gmt":"2025-11-26T12:09:57","guid":{"rendered":"https:\/\/advocatsferrer.com\/?p=6044"},"modified":"2026-07-01T15:52:28","modified_gmt":"2026-07-01T13:52:28","slug":"he-rebut-un-monitori-per-una-targeta-de-credit-que-he-de-fer-et-defensem-immediatament","status":"publish","type":"post","link":"https:\/\/advocatsferrer.com\/ca\/he-rebut-un-monitori-per-una-targeta-de-credit-que-he-de-fer-et-defensem-immediatament\/","title":{"rendered":"He rebut un monitori per una targeta de cr\u00e8dit, qu\u00e8 he de fer? 20 dies per contraatacar."},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Advocats especialistes en monitoris per targetes de cr\u00e8dit<\/h2>\n\n\n\n<p>Un dels casos que m\u00e9s ens trobem \u00e9s la contestaci\u00f3 de demandes de judici monitori per targetes de cr\u00e8dit.<\/p>\n\n\n\n<p>Si has rebut una demanda de procediment monitori, no perdis temps i contacta amb un advocat abans que expiri el termini de 20 dies. A Ferrer Advocats estem obtenint molts \u00e8xits contestant aquests monitoris, ja que sovint provenen de contractes abusius. Per aix\u00f2, t\u2019animem a presentar oposici\u00f3 i defensar els teus drets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 oferim?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Estudi gratu\u00eft del teu cas.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Redacci\u00f3 i presentaci\u00f3 de l\u2019escrit d\u2019oposici\u00f3 al monitori.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Possibilitat de recuperar diners per interessos o cl\u00e0usules abusives.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cancel\u00b7laci\u00f3 del deute que et reclamen<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 \u00e9s un procediment monitori?<\/h2>\n\n\n\n<p>El <a href=\"https:\/\/sedejudicial.justicia.es\/-\/procedimiento-monitorio-1\" target=\"_blank\" rel=\"noopener\">procediment monitori <\/a>\u00e9s una v\u00eda que utilitzen les entitats financeres per reclamar deutes, com els derivats de targetes de cr\u00e8dit. Si reps una notificaci\u00f3, disposes de 20 dies per oposar-t\u2019hi. No respondre no \u00e9s recomanable, ja que equival a acceptar el deute i comporta embargaments, impossibilitant que puguis cancel\u00b7lar el deute.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Per qu\u00e8 oposar-se a un monitori?<\/h2>\n\n\n\n<p>Moltes targetes, especialment les revolving d\u2019entitats com Caixabank, WiZink Bank, Bankinter, BBVA, Cetelem, Cofidis o Carrefour Servicios Financieros, inclouen interessos desproporcionats , cl\u00e0usules abusives i contractes poc transparents. Amb una oposici\u00f3, pots aconseguir anul\u00b7lar el contracte i recuperar el que has pagat de m\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Exemple de cas guanyat despr\u00e9s de rebre un monitori<\/h2>\n\n\n\n<p>Una clienta nostra va rebre una demanda monitoria d\u2019Investcapital LTD per 1.937\u20ac.<\/p>\n\n\n\n<p>Despr\u00e9s de presentar oposici\u00f3 per interessos usuraris, el jutge no nom\u00e9s va desestimar la demanda, sin\u00f3 que va condemnar Investcapital a retornar 2.370 \u20ac a la clienta.<\/p>\n\n\n\n<p>Aquest cas el vam publicar fa uns mesos al blog del despatx i ha generat molt d\u2019inter\u00e8s: <a href=\"https:\/\/advocatsferrer.com\/ca\/investcapital-ltd-interpone-una-demanda-de-monitorio-y-acaba-pagando\/\">https:\/\/advocatsferrer.com\/ca\/investcapital-ltd-interpone-una-demanda-de-monitorio-y-acaba-pagando\/<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Empreses que habitualment presenten judicis monitoris<\/h2>\n\n\n\n<p>Una altra cosa que sorpr\u00e8n \u00e9s que qui presenta el monitori sovint \u00e9s una entitat diferent de la que va emetre la targeta, com ara InvestCapital, Hoist Finance, EOS Spain, Cabot, Zolva, Intrum, Estrella Receivables, GESCOBRO, TTI Financial, Altaia Capital, entre d\u2019altres.<\/p>\n\n\n\n<p>Aix\u00f2 passa perqu\u00e8 aquestes empreses compren deutes impagats de targetes revolving o pr\u00e9stecs de bancs com Caixabank, Wizink, Bankinter o Cofidis, i molts d\u2019aquests deutes deriven de contractes plagats de cl\u00e0usules abusives i interessos excessius.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Contacta amb un despatx especialitzat amb monitoris,<\/h2>\n\n\n\n<p>Si has rebut una demanda de procediment monitori per una targeta de cr\u00e8dit, <strong>no deixis passar els 20 dies de termini<\/strong> per contestar-la i contacta aviat amb <a href=\"https:\/\/advocatsferrer.com\/ca\/\">advocats especialistes en reclamacions banc\u00e0ries <\/a>com nosaltres, que ja hem contestat centenars de judicis monitoris.<\/p>\n\n\n\n<p>T\u2019ajudarem a defensar-te, revisarem el teu cas i, si \u00e9s possible, anul\u00b7larem els interessos abusius.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Preguntes freq\u00fcents sobre el judicis monitoris <\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1764169238765\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Que passa si no contesto a un monitori?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Que el deute que et reclamen no es podr\u00e0 discutir mai m\u00e9s i que l\u2019hauras de pagar o t\u2019embargaran.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764169247450\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Quans dies tinc per contestar?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Tens 20 dies h\u00e0bils. Els caps de setmana I festius no compten. Quan abans et posis en contacte amb un advocat per que et contesti el monitori millor.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764169255295\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Tinc motius suficiens per oposarme a un monitori?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Si. Si el procediment de judici monitori deriva d\u2019una targeta de cr\u00e8dit revolving \u00e9s quasi segur que el contracte que vas signar fa anys no sigui transparent i sigui ilegal.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764169269942\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Que costa l\u2019advocat per contestar un procediment monitori?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Si l\u2019assumpte el veiem viable et cobrarem els honoraris d\u2019advocat al final del procediment.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"wp-block-leadin-hubspot-form-block\">\n\t\t\t<div\n\t\t\tclass=\"hs-form-frame\"\n\t\t\tdata-region=\"eu1\"\n\t\t\tdata-form-id=\"22d466a2-6208-487c-97f1-a52613f1a8e0\"\n\t\t\tdata-portal-id=\"25807686\"\n\t\t\t >\n\t\t\t<\/div>\n\t\t\t<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Advocats especialistes en monitoris per targetes de cr\u00e8dit Un dels casos que m\u00e9s ens trobem \u00e9s la contestaci\u00f3 de demandes de judici monitori per targetes de cr\u00e8dit. Si has rebut una demanda de procediment monitori, no perdis temps i contacta amb un advocat abans que expiri el termini de 20 dies. A Ferrer Advocats estem [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":6078,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post-6044","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/posts\/6044","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\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/comments?post=6044"}],"version-history":[{"count":5,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/posts\/6044\/revisions"}],"predecessor-version":[{"id":6099,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/posts\/6044\/revisions\/6099"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/media\/6078"}],"wp:attachment":[{"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/media?parent=6044"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/categories?post=6044"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/tags?post=6044"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}