{"id":12471,"date":"2022-12-22T00:22:14","date_gmt":"2022-12-21T22:22:14","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=12471"},"modified":"2022-12-22T01:51:16","modified_gmt":"2022-12-21T23:51:16","slug":"demandes-banca","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/","title":{"rendered":"La banca acumula m\u00e9s de 100 demandes per vincular cr\u00e8dits a la contractaci\u00f3 d&#8217;assegurances"},"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>Els col\u00b7legis han donat suport a vint demandes i una trentena de reclamacions de clients<\/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_1671665096926{margin-bottom: 20px !important;}&#8221;]Les males pr\u00e0ctiques de la banca amb la comercialitzaci\u00f3 d&#8217;assegurances vinculades a la concessi\u00f3 de cr\u00e8dits ja s&#8217;acumulen als jutjats. M\u00e9s d&#8217;un centenar de demandes judicials a tot Espanya s\u00f3n el reflex d&#8217;aquest comportament abusiu pel qual han al\u00e7at tantes vegades la veu des de la mediaci\u00f3 professional. De fet, almenys una vintena de les demandes estan recolzades pels col\u00b7legis de mediadors.<\/p>\n<p>Banc Sabadell, CaixaBank i Banco Santander acumulen la majoria de les demandes admeses a tr\u00e0mit pels jutges competents. La primera iniciativa va sorgir fa dos anys, aproximadament, quan el Col\u00b7legi de Saragossa, a trav\u00e9s del seu advocat Jos\u00e9 Luis Carrera i el despatx Constituci\u00f3 Advocats, va recolzar amb assessoria legal un usuari afectat per la mala praxi banc\u00e0ria. En aquest primer cas, el jutjat va fallar contra el Banc Sabadell que, despr\u00e9s del recurs corresponent davant l&#8217;Audi\u00e8ncia Provincial de Saragossa, va tornar a ser condemnat.<\/p>\n<p>Des de llavors s&#8217;han succe\u00eft m\u00faltiples reclamacions a onze prov\u00edncies diferents que mostren, segons els col\u00b7legis de mediadors, \u201cque ni \u00e9s un fet a\u00efllat, ni \u00e9s casual. Obeeix un <em>modus operandi<\/em> que, encara que va a la baixa per la pressi\u00f3 dels mediadors, encara es mant\u00e9 de manera molt m\u00e9s subtil\u201d. Les mateixes fonts afirmen que \u201cde fet, fins i tot el regulador europeu (EIOPA) ha hagut d&#8217;intervenir obrint una investigaci\u00f3 per acabar amb aquesta mala pr\u00e0ctica\u201d.<\/p>\n<p>Fins ara, ja hi ha diverses sent\u00e8ncies fermes contra els bancs mentre la resta de segueixen el seu ritme processal. A aquesta xifra, segons el Consell General de Mediadors, cal afegir-hi les quaranta reclamacions de clients que, gr\u00e0cies a la intervenci\u00f3 d&#8217;advocats, han provocat que els bancs reconeguin els fets i tornin la prima cobrada abans d&#8217;arribar als jutjats.<\/p>\n<p>Com va recordar recentment el president del Consell General, Javier Barber\u00e1, la contractaci\u00f3 vinculada d&#8217;una asseguran\u00e7a en t\u00e9 una altra de derivada per al client: \u201cmoltes vegades l&#8217;usuari paga un preu m\u00e9s alt que el del mercat o rep unes cobertures per sobre de les seves necessitats reals \u201d. Barber\u00e0 que aquesta situaci\u00f3 es prolonga durant anys, ja que \u201cel m\u00e9s normal \u00e9s que mantingui l&#8217;asseguran\u00e7a durant els anys que abasta la hipoteca; amb abonament en prima \u00fanica i finan\u00e7ant-ho amb la hipoteca\u201d.<\/p>\n<p>Fa dos anys, un estudi realitzat pel Consell General de Mediadors i GAD3 va revelar la perman\u00e8ncia i generalitzaci\u00f3 de males praxi banc\u00e0ries en relaci\u00f3 amb les assegurances a tot Espanya. Entre les dades sorprenents, destacava que en demanar una hipoteca en una sucursal banc\u00e0ria m\u00e9s d&#8217;un 20% dels sol\u00b7licitants acabaven contractant una asseguran\u00e7a de cotxes.<\/p>\n<p>A m\u00e9s, el 74% dels clients van subscriure una p\u00f2lissa comercialitzada pel banc en el moment de concretar el pr\u00e9stec a la sucursal, \u201cuna r\u00e0tio impossible en qualsevol circumst\u00e0ncia\u201d, assenyalen els mediadors.[\/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>\u00daltimes not\u00edcies<\/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]Els col\u00b7legis han donat suport a vint demandes i una trentena de reclamacions de clients \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_1671665096926{margin-bottom: 20px !important;}&#8221;]Les males pr\u00e0ctiques de la banca amb la comercialitzaci\u00f3 d&#8217;assegurances vinculades a la concessi\u00f3 de cr\u00e8dits ja s&#8217;acumulen als jutjats. M\u00e9s d&#8217;un centenar de demandes judicials a tot Espanya s\u00f3n<\/p>\n","protected":false},"author":562,"featured_media":12472,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[267,1359,160,1357],"class_list":["post-12471","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-banca","tag-denuncies","tag-mediarionews","tag-mn163"],"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\u00e9s de 100 demandes per vincular cr\u00e8dits a la contractaci\u00f3 d&#039;assegurances - 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\/demandes-banca\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La banca acumula m\u00e9s de 100 demandes per vincular cr\u00e8dits a la contractaci\u00f3 d&#039;assegurances - 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]Els col\u00b7legis han donat suport a vint demandes i una trentena de reclamacions de clients \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_1671665096926{margin-bottom: 20px !important;}&#8221;]Les males pr\u00e0ctiques de la banca amb la comercialitzaci\u00f3 d&#8217;assegurances vinculades a la concessi\u00f3 de cr\u00e8dits ja s&#8217;acumulen als jutjats. M\u00e9s d&#8217;un centenar de demandes judicials a tot Espanya s\u00f3n\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/\" \/>\n<meta property=\"og:site_name\" content=\"Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-21T22:22:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-21T23:51:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2022\/12\/F2_Banca.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"810\" \/>\n\t<meta property=\"og:image:height\" content=\"456\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marc Alcaraz\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marc Alcaraz\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/demandes-banca\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/demandes-banca\\\/\"},\"author\":{\"name\":\"Marc Alcaraz\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/#\\\/schema\\\/person\\\/4283d40fbd72a940d5fff484fe5ec410\"},\"headline\":\"La banca acumula m\u00e9s de 100 demandes per vincular cr\u00e8dits a la contractaci\u00f3 d&#8217;assegurances\",\"datePublished\":\"2022-12-21T22:22:14+00:00\",\"dateModified\":\"2022-12-21T23:51:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/demandes-banca\\\/\"},\"wordCount\":671,\"image\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/demandes-banca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/F2_Banca.jpg\",\"keywords\":[\"banca\",\"denuncies\",\"MediarioNews\",\"MN163\"],\"articleSection\":[\"Not\u00edcies\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/demandes-banca\\\/\",\"url\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/demandes-banca\\\/\",\"name\":\"La banca acumula m\u00e9s de 100 demandes per vincular cr\u00e8dits a la contractaci\u00f3 d'assegurances - Col-legi de Mediadors d&#039;Assegurances de Barcelona\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/demandes-banca\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/demandes-banca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/F2_Banca.jpg\",\"datePublished\":\"2022-12-21T22:22:14+00:00\",\"dateModified\":\"2022-12-21T23:51:16+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/#\\\/schema\\\/person\\\/4283d40fbd72a940d5fff484fe5ec410\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/demandes-banca\\\/#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/demandes-banca\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/demandes-banca\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/F2_Banca.jpg\",\"contentUrl\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/F2_Banca.jpg\",\"width\":810,\"height\":456,\"caption\":\"Banca\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/demandes-banca\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Inici\",\"item\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"La banca acumula m\u00e9s de 100 demandes per vincular cr\u00e8dits a la contractaci\u00f3 d&#8217;assegurances\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/#website\",\"url\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/\",\"name\":\"Col-legi de Mediadors d&#039;Assegurances de Barcelona\",\"description\":\"Support al mediador d&#039;assegurances\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/#\\\/schema\\\/person\\\/4283d40fbd72a940d5fff484fe5ec410\",\"name\":\"Marc Alcaraz\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e5dee642a130a369f4e8f5fe2d78526e99d5506f34de2f80b7994e63dc58d1b0?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e5dee642a130a369f4e8f5fe2d78526e99d5506f34de2f80b7994e63dc58d1b0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e5dee642a130a369f4e8f5fe2d78526e99d5506f34de2f80b7994e63dc58d1b0?s=96&d=mm&r=g\",\"caption\":\"Marc Alcaraz\"},\"url\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/author\\\/efreire\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"La banca acumula m\u00e9s de 100 demandes per vincular cr\u00e8dits a la contractaci\u00f3 d'assegurances - 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\/demandes-banca\/","og_locale":"ca_ES","og_type":"article","og_title":"La banca acumula m\u00e9s de 100 demandes per vincular cr\u00e8dits a la contractaci\u00f3 d'assegurances - 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]Els col\u00b7legis han donat suport a vint demandes i una trentena de reclamacions de clients \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_1671665096926{margin-bottom: 20px !important;}&#8221;]Les males pr\u00e0ctiques de la banca amb la comercialitzaci\u00f3 d&#8217;assegurances vinculades a la concessi\u00f3 de cr\u00e8dits ja s&#8217;acumulen als jutjats. M\u00e9s d&#8217;un centenar de demandes judicials a tot Espanya s\u00f3n","og_url":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/","og_site_name":"Col-legi de Mediadors d&#039;Assegurances de Barcelona","article_published_time":"2022-12-21T22:22:14+00:00","article_modified_time":"2022-12-21T23:51:16+00:00","og_image":[{"width":810,"height":456,"url":"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2022\/12\/F2_Banca.jpg","type":"image\/jpeg"}],"author":"Marc Alcaraz","twitter_card":"summary_large_image","twitter_misc":{"Escrit per":"Marc Alcaraz","Temps estimat de lectura":"3 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/#article","isPartOf":{"@id":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/"},"author":{"name":"Marc Alcaraz","@id":"https:\/\/www.elcol-legi.org\/w\/#\/schema\/person\/4283d40fbd72a940d5fff484fe5ec410"},"headline":"La banca acumula m\u00e9s de 100 demandes per vincular cr\u00e8dits a la contractaci\u00f3 d&#8217;assegurances","datePublished":"2022-12-21T22:22:14+00:00","dateModified":"2022-12-21T23:51:16+00:00","mainEntityOfPage":{"@id":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/"},"wordCount":671,"image":{"@id":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/#primaryimage"},"thumbnailUrl":"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2022\/12\/F2_Banca.jpg","keywords":["banca","denuncies","MediarioNews","MN163"],"articleSection":["Not\u00edcies"],"inLanguage":"ca"},{"@type":"WebPage","@id":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/","url":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/","name":"La banca acumula m\u00e9s de 100 demandes per vincular cr\u00e8dits a la contractaci\u00f3 d'assegurances - Col-legi de Mediadors d&#039;Assegurances de Barcelona","isPartOf":{"@id":"https:\/\/www.elcol-legi.org\/w\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/#primaryimage"},"image":{"@id":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/#primaryimage"},"thumbnailUrl":"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2022\/12\/F2_Banca.jpg","datePublished":"2022-12-21T22:22:14+00:00","dateModified":"2022-12-21T23:51:16+00:00","author":{"@id":"https:\/\/www.elcol-legi.org\/w\/#\/schema\/person\/4283d40fbd72a940d5fff484fe5ec410"},"breadcrumb":{"@id":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.elcol-legi.org\/w\/demandes-banca\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/#primaryimage","url":"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2022\/12\/F2_Banca.jpg","contentUrl":"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2022\/12\/F2_Banca.jpg","width":810,"height":456,"caption":"Banca"},{"@type":"BreadcrumbList","@id":"https:\/\/www.elcol-legi.org\/w\/demandes-banca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Inici","item":"https:\/\/www.elcol-legi.org\/w\/"},{"@type":"ListItem","position":2,"name":"La banca acumula m\u00e9s de 100 demandes per vincular cr\u00e8dits a la contractaci\u00f3 d&#8217;assegurances"}]},{"@type":"WebSite","@id":"https:\/\/www.elcol-legi.org\/w\/#website","url":"https:\/\/www.elcol-legi.org\/w\/","name":"Col-legi de Mediadors d&#039;Assegurances de Barcelona","description":"Support al mediador d&#039;assegurances","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.elcol-legi.org\/w\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Person","@id":"https:\/\/www.elcol-legi.org\/w\/#\/schema\/person\/4283d40fbd72a940d5fff484fe5ec410","name":"Marc Alcaraz","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/secure.gravatar.com\/avatar\/e5dee642a130a369f4e8f5fe2d78526e99d5506f34de2f80b7994e63dc58d1b0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e5dee642a130a369f4e8f5fe2d78526e99d5506f34de2f80b7994e63dc58d1b0?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e5dee642a130a369f4e8f5fe2d78526e99d5506f34de2f80b7994e63dc58d1b0?s=96&d=mm&r=g","caption":"Marc Alcaraz"},"url":"https:\/\/www.elcol-legi.org\/w\/author\/efreire\/"}]}},"_links":{"self":[{"href":"https:\/\/www.elcol-legi.org\/w\/wp-json\/wp\/v2\/posts\/12471","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.elcol-legi.org\/w\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.elcol-legi.org\/w\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.elcol-legi.org\/w\/wp-json\/wp\/v2\/users\/562"}],"replies":[{"embeddable":true,"href":"https:\/\/www.elcol-legi.org\/w\/wp-json\/wp\/v2\/comments?post=12471"}],"version-history":[{"count":1,"href":"https:\/\/www.elcol-legi.org\/w\/wp-json\/wp\/v2\/posts\/12471\/revisions"}],"predecessor-version":[{"id":12475,"href":"https:\/\/www.elcol-legi.org\/w\/wp-json\/wp\/v2\/posts\/12471\/revisions\/12475"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.elcol-legi.org\/w\/wp-json\/wp\/v2\/media\/12472"}],"wp:attachment":[{"href":"https:\/\/www.elcol-legi.org\/w\/wp-json\/wp\/v2\/media?parent=12471"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.elcol-legi.org\/w\/wp-json\/wp\/v2\/categories?post=12471"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.elcol-legi.org\/w\/wp-json\/wp\/v2\/tags?post=12471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}