{"id":492,"date":"2024-06-10T13:24:48","date_gmt":"2024-06-10T13:24:48","guid":{"rendered":"https:\/\/danielastan.ro\/?p=492"},"modified":"2024-06-10T13:48:15","modified_gmt":"2024-06-10T13:48:15","slug":"cum-contest-clauzele-abuzive-din-contractul-de-credit","status":"publish","type":"post","link":"https:\/\/danielastan.ro\/index.php\/2024\/06\/10\/cum-contest-clauzele-abuzive-din-contractul-de-credit\/","title":{"rendered":"Cum contest clauzele abuzive din contractul de credit?"},"content":{"rendered":"\n<p>Notiunea de \u201cclauza abuziva\u201d este definita in cuprinsul Legii nr. 193\/2000 privind clauzele abuzive din contractele incheiate intre profesionisti si consumatori<a href=\"#_ftn1\">[1]<\/a>.<\/p>\n\n\n\n<p>Potrivit disozitiilor art.4 alin.1 din Legea nr.193\/2000 \u201c<em>O clauza contractuala care <strong>nu a fost negociata<\/strong> direct cu consumatorul va fi considerata abuziva daca, prin ea insasi sau impreuna cu alte prevederi din contract, creeaza, <strong>in detrimentul consumatorului<\/strong> si <strong>contrar cerintelor bunei-credinte<\/strong>, <strong>un dezechilibru semnificativ<\/strong> intre drepturile si obligatiile partilor\u201d<\/em><\/p>\n\n\n\n<p><em>Ce inteleg din aceasta definitie?<\/em><\/p>\n\n\n\n<p><em>De cate ori ati avut posibilitatea reala de a negocia clauzele cuprinse in contractul de credit pe care l-ati semnat cu banca?<\/em><\/p>\n\n\n\n<p><em>Ce inseamna negocierea clauzelor din contractul de credit?<\/em><\/p>\n\n\n\n<p>Conform prevederilor art.4 alin.2 din Legea nr.193\/2000 \u201c<em>O clauza contractuala <strong>va fi considerata ca nefiind negociata direct<\/strong> cu consumatorul daca aceasta a fost stabilita fara a da posibilitate consumatorului sa influenteze natura ei, cum ar fi <strong>contractele standard preformulate<\/strong> sau <strong>conditiile generale de vanzare<\/strong> practicate de comercianti pe piata produsului sau serviciului respectiv<\/em>\u201d.<\/p>\n\n\n\n<p><em>Cunoasteti si situatii in care contractul de credit bancar sa fie altfel decat contract standard, preformulat?<\/em><\/p>\n\n\n\n<p><em>Ce inteleg prin <strong>dezechilibru semnificativ<\/strong> intre drepturile si obligatiile partilor?<\/em><\/p>\n\n\n\n<p><em>Este indreptatita banca sa modifice unilateral rata dobanzii si sa incaseze sumele corespunzatoare, oricand pe parcursul derularii raporturilor contractuale, in detrimentul consumatorului, evident?!<\/em><\/p>\n\n\n\n<p><em>V-ati intalnit cu astfel de situatii sau nu?<\/em><\/p>\n\n\n\n<p>Tot in cuprinsul Legii nr.193\/2000 este adaugata o \u201c<em>ANEXA:LISTA cuprinzand clauzele considerate ca fiind abuzive <\/em>care prevede la alin.1 lit.a <em>:Sunt considerate clauze abuzive acele prevederi contractuale care dau <strong>dreptul profesionistului de a modifica unilateral clauzele contractului, f\u0103r\u0103 a avea un motiv \u00eentemeiat<\/strong> care s\u0103 fie precizat \u00een contract\u201d.<\/em><\/p>\n\n\n\n<p>&nbsp;Pentru a contesta clauzele abuzive din contractul de credit este necesar sa va adresati instantei de judecata care va proceda la analizarea clauzelor invocate ca fiind abuzive si va constata nulitatea acestora cu consecinta obligarii institutiei de credit( banca, IFN) la restituirea sumelor incasate cu titlu de comision de acordare credit, comision de administrare lunara, dobanda\u2026<\/p>\n\n\n\n<p>*1- Legea nr.193\/ 2000 a fost republicat\u0103 \u00een Monitorul Oficial al Romanei, Partea I, nr. 305 din 18 aprilie 2008, iar ulterior a fost modificata prin Legea nr. 161\/2010 pentru modificarea art. 84 din Legea nr. 296\/2004 privind Codul consumului si a Legii nr. 193\/2000 privind clauzele abuzive din contractele incheiate intre comercianti si consumatori, publicata \u00een Monitorul Oficial al Romanei, Partea I, nr. 497 din 19 iulie 2010<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Notiunea de \u201cclauza abuziva\u201d este definita in cuprinsul Legii nr. 193\/2000 privind clauzele abuzive din contractele incheiate intre profesionisti si consumatori[1]. Potrivit disozitiilor art.4 alin.1 din Legea nr.193\/2000 \u201cO clauza contractuala care nu a fost negociata direct cu consumatorul va fi considerata abuziva daca, prin ea insasi sau impreuna cu alte prevederi din contract, creeaza,&hellip;&nbsp;<a href=\"https:\/\/danielastan.ro\/index.php\/2024\/06\/10\/cum-contest-clauzele-abuzive-din-contractul-de-credit\/\" class=\"\" rel=\"bookmark\">Cite\u0219te mai mult &raquo;<span class=\"screen-reader-text\">Cum contest clauzele abuzive din contractul de credit?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[15,6,10,14,13,8,11,12,9],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cum contest clauzele abuzive din contractul de credit? | Avocat Daniela Stan - Avocat Constanta<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/danielastan.ro\/index.php\/2024\/06\/10\/cum-contest-clauzele-abuzive-din-contractul-de-credit\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cum contest clauzele abuzive din contractul de credit? | Avocat Daniela Stan - Avocat Constanta\" \/>\n<meta property=\"og:description\" content=\"Notiunea de \u201cclauza abuziva\u201d este definita in cuprinsul Legii nr. 193\/2000 privind clauzele abuzive din contractele incheiate intre profesionisti si consumatori[1]. Potrivit disozitiilor art.4 alin.1 din Legea nr.193\/2000 \u201cO clauza contractuala care nu a fost negociata direct cu consumatorul va fi considerata abuziva daca, prin ea insasi sau impreuna cu alte prevederi din contract, creeaza,&hellip;&nbsp;Cite\u0219te mai mult &raquo;Cum contest clauzele abuzive din contractul de credit?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/danielastan.ro\/index.php\/2024\/06\/10\/cum-contest-clauzele-abuzive-din-contractul-de-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"Avocat Daniela Stan - Avocat Constanta\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-10T13:24:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-10T13:48:15+00:00\" \/>\n<meta name=\"author\" content=\"Cabinet Avocat\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Cabinet Avocat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/danielastan.ro\/index.php\/2024\/06\/10\/cum-contest-clauzele-abuzive-din-contractul-de-credit\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/danielastan.ro\/index.php\/2024\/06\/10\/cum-contest-clauzele-abuzive-din-contractul-de-credit\/\"},\"author\":{\"name\":\"Cabinet Avocat\",\"@id\":\"https:\/\/danielastan.ro\/#\/schema\/person\/e47ad96133e60a7ebaabef742164172a\"},\"headline\":\"Cum contest clauzele abuzive din contractul de credit?\",\"datePublished\":\"2024-06-10T13:24:48+00:00\",\"dateModified\":\"2024-06-10T13:48:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/danielastan.ro\/index.php\/2024\/06\/10\/cum-contest-clauzele-abuzive-din-contractul-de-credit\/\"},\"wordCount\":389,\"publisher\":{\"@id\":\"https:\/\/danielastan.ro\/#organization\"},\"keywords\":[\"clauza abuziva contract credit\",\"clauze abuzive contracte\",\"clauze contractuale\",\"contestatie clauze abuzive\",\"contestatie clauze contract credit\",\"contractul de credit\",\"lege\",\"legea 193\/2000\",\"negociere contract\"],\"articleSection\":[\"Noutati\"],\"inLanguage\":\"ro-RO\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/danielastan.ro\/index.php\/2024\/06\/10\/cum-contest-clauzele-abuzive-din-contractul-de-credit\/\",\"url\":\"https:\/\/danielastan.ro\/index.php\/2024\/06\/10\/cum-contest-clauzele-abuzive-din-contractul-de-credit\/\",\"name\":\"Cum contest clauzele abuzive din contractul de credit? 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