{"id":12491,"date":"2022-12-22T00:46:58","date_gmt":"2022-12-21T22:46:58","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/la-banca-acumula-mas-de-100-demandas-por-vincular-creditos-a-la-contratacion-de-seguros\/"},"modified":"2022-12-22T02:07:49","modified_gmt":"2022-12-22T00:07:49","slug":"demandas-banca","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/es\/demandas-banca\/","title":{"rendered":"La banca acumula m\u00e1s de 100 demandas por vincular cr\u00e9ditos a la contrataci\u00f3n de seguros"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;3\/4&#8243;][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text]<em>Los colegios han apoyado veinte demandas y una treintena de reclamaciones de clientes<\/em><\/p>\n<p><em>\u00a0<\/em>[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1671667653129{margin-bottom: 20px !important;}&#8221;]Las malas pr\u00e1cticas de la banca con la comercializaci\u00f3n de seguros vinculados a la concesi\u00f3n de cr\u00e9ditos ya se acumulan en los juzgados. M\u00e1s de un centenar de demandas judiciales en toda Espa\u00f1a son el reflejo de este comportamiento abusivo por el que tantas veces han alzado la voz desde la mediaci\u00f3n profesional. De hecho, al menos una veintena de las demandas est\u00e1n apoyadas por los colegios de mediadores.<\/p>\n<p>Banco Sabadell, CaixaBank y Banco Santander acumulan la mayor\u00eda de las demandas admitidas a tr\u00e1mite por los jueces competentes. La primera iniciativa surgi\u00f3 hace dos a\u00f1os, aproximadamente, cuando el Colegio de Zaragoza, a trav\u00e9s de su abogado Jos\u00e9 Luis Carrera y el despacho Constituci\u00f3n Abogados, apoy\u00f3 con asesor\u00eda legal a un usuario afectado por la <em>mala praxis<\/em> bancaria. En este primer caso, el juzgado fall\u00f3 contra el Banco Sabadell que, tras el correspondiente recurso ante la Audiencia Provincial de Zaragoza, volvi\u00f3 a ser condenado.<\/p>\n<p>Desde entonces se han sucedido m\u00faltiples reclamaciones en once provincias diferentes que muestran, seg\u00fan los colegios de mediadores, \u201cque ni es un hecho aislado, ni es casual. Obedece a un <em>modus operandi<\/em> que, aunque va a la baja por la presi\u00f3n de los mediadores, todav\u00eda se mantiene de una forma mucho m\u00e1s sutil\u201d. Las mismas fuentes afirman que \u201cde hecho, hasta el regulador europeo (EIOPA) ha tenido que intervenir abriendo una investigaci\u00f3n para acabar con esta mala pr\u00e1ctica\u201d.<\/p>\n<p>Hasta el momento, ya hay varias sentencias firmes contra los bancos mientras el resto de siguen su ritmo procesal. A esta cifra, seg\u00fan el Consejo General de Mediadores, hay que a\u00f1adir las cuarenta reclamaciones de clientes que, gracias a la intervenci\u00f3n de abogados, han provocado que los bancos reconozcan los hechos y devuelvan la prima cobrada antes de llegar a los juzgados.<\/p>\n<p>Como record\u00f3 recientemente el presidente del Consejo General, Javier Barber\u00e1, la contrataci\u00f3n vinculada de un seguro tiene otra derivada para el cliente: \u201cen muchas ocasiones el usuario paga un precio m\u00e1s alto que el del mercado o recibe unas coberturas por encima de sus necesidades reales\u201d. Barber\u00e1 que esta situaci\u00f3n se prolonga durante a\u00f1os, ya que \u201clo normal es que mantenga el seguro durante los a\u00f1os que abarca la hipoteca; con abono en prima \u00fanica y financi\u00e1ndolo con la hipoteca\u201d.<\/p>\n<p>Hace dos a\u00f1os, un estudio realizado por el Consejo General de Mediadores y GAD3 revel\u00f3 la permanencia y generalizaci\u00f3n de malas praxis bancarias en relaci\u00f3n con los seguros\u00a0en toda Espa\u00f1a.\u00a0 Entre los datos sorprendentes, destacaba que al pedir una hipoteca en una sucursal bancaria m\u00e1s de un 20% de los solicitantes acababan contratando un seguro de autos.<\/p>\n<p>Adem\u00e1s, el 74% de los clientes suscribi\u00f3 una p\u00f3liza comercializada por el banco en el momento de concretar el pr\u00e9stamo en la sucursal, \u201cuna ratio imposible en cualquier circunstancia\u201d, se\u00f1alan los mediadores.[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_tweetmeme][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_facebook][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/4&#8243;][stm_spacing lg_spacing=&#8221;50&#8243; md_spacing=&#8221;50&#8243; sm_spacing=&#8221;50&#8243; xs_spacing=&#8221;50&#8243;][vc_column_text]<\/p>\n<h2>\u00daltimas noticias<\/h2>\n<p>[\/vc_column_text][stm_news loop=&#8221;size:4|order_by:date|order:DESC|post_type:post|categories:8&#8243; posts_per_row=&#8221;2&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;3\/4&#8243;][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text]Los colegios han apoyado veinte demandas y una treintena de reclamaciones de clientes \u00a0[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1671667653129{margin-bottom: 20px !important;}&#8221;]Las malas pr\u00e1cticas de la banca con la comercializaci\u00f3n de seguros vinculados a la concesi\u00f3n de cr\u00e9ditos ya se acumulan en los juzgados. M\u00e1s de un centenar de demandas judiciales en toda<\/p>\n","protected":false},"author":562,"featured_media":12474,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[268,1365,161,1362],"class_list":["post-12491","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-banca-es","tag-denuncies-es","tag-mediarionews","tag-mn163-es"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La banca acumula m\u00e1s de 100 demandas por vincular cr\u00e9ditos a la contrataci\u00f3n de seguros - Col-legi de Mediadors d&#039;Assegurances de Barcelona<\/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:\/\/www.elcol-legi.org\/w\/es\/demandas-banca\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La banca acumula m\u00e1s de 100 demandas por vincular cr\u00e9ditos a la contrataci\u00f3n de seguros - Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=&#8221;3\/4&#8243;][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text]Los colegios han apoyado veinte demandas y una treintena de reclamaciones de clientes \u00a0[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1671667653129{margin-bottom: 20px !important;}&#8221;]Las malas pr\u00e1cticas de la banca con la comercializaci\u00f3n de seguros vinculados a la concesi\u00f3n de cr\u00e9ditos ya se acumulan en los juzgados. 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Col-legi de Mediadors d&#039;Assegurances de Barcelona","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.elcol-legi.org\/w\/es\/demandas-banca\/","og_locale":"es_ES","og_type":"article","og_title":"La banca acumula m\u00e1s de 100 demandas por vincular cr\u00e9ditos a la contrataci\u00f3n de seguros - Col-legi de Mediadors d&#039;Assegurances de Barcelona","og_description":"[vc_row][vc_column width=&#8221;3\/4&#8243;][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text]Los colegios han apoyado veinte demandas y una treintena de reclamaciones de clientes \u00a0[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1671667653129{margin-bottom: 20px !important;}&#8221;]Las malas pr\u00e1cticas de la banca con la comercializaci\u00f3n de seguros vinculados a la concesi\u00f3n de cr\u00e9ditos ya se acumulan en los juzgados. 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