{"id":22275,"date":"2025-03-26T09:09:41","date_gmt":"2025-03-26T07:09:41","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/la-mediacion-denuncia-las-malas-practicas-para-vender\/"},"modified":"2025-03-26T17:17:43","modified_gmt":"2025-03-26T15:17:43","slug":"la-mediacion-denuncia-las-malas-practicas-para-vender","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/la-mediacion-denuncia-las-malas-practicas-para-vender\/","title":{"rendered":"El Col\u00b7legi defensa la mediaci\u00f3 davant de nous casos d&#8217;abusos de la banca"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<pre>COMPET\u00c8NCIA<\/pre>\n<h2>El Col\u00b7legi defensa la mediaci\u00f3 davant de nous casos d&#8217;abusos de la banca<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<strong>Una sent\u00e8ncia contra Caixabank i una acci\u00f3 irregular d&#8217;Abanca, noves mostres de mala praxi per part d&#8217;entitats banc\u00e0ries<\/strong>[\/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_1743002255072{margin-bottom: 20px !important;}&#8221;]Els Col\u00b7legis de Mediadors han sortit, una vegada m\u00e9s, en defensa de la professi\u00f3 davant d&#8217;un nou exemple de males pr\u00e0ctiques en la comercialitzaci\u00f3 de productes asseguradors.El Consejo General de Mediadores s&#8217;ha dirigit a ABANCA i a la Direcci\u00f3 General d&#8217;Assegurances reclamant que es posi fi a les males pr\u00e0ctiques detectades en el proc\u00e9s de venda de p\u00f2lisses d&#8217;assegurances. Les cartes adre\u00e7ades a ambdues entitats tenen l&#8217;origen en l&#8217;enviament, per part de ABANCA, de missatges a m\u00f2bils de clients en per\u00edode de renovaci\u00f3 de les p\u00f2lisses.<\/p>\n<p>Els missatges enviats als clients pretenien influir el client davant la imminent renovaci\u00f3 de la seva asseguran\u00e7a. Per exemple, un dels missatges deia: \u201cEl teu proper rebut de l&#8217;asseguran\u00e7a arribar\u00e0 en els propers mesos. Sabies que hi ha una asseguran\u00e7a de cotxe que pots pagar mes a mes?\u201d. Per al Consejo, aquesta pr\u00e0ctica habitual s&#8217;emmarca a les l\u00f2giques campanyes promocionals que qualsevol empresa realitza despr\u00e9s de rebre autoritzaci\u00f3 expressa dels interessats. Tot i aix\u00f2, recorda que \u201cdeixa de ser l\u00edcita quan es realitza aprofitant la informaci\u00f3 que sobre les dades de venciment i abonament de p\u00f2lisses s&#8217;obtenen per la domiciliaci\u00f3 de rebuts. El tractament de les dades contingudes en els rebuts amb fins comercials o la seva cessi\u00f3 a altres empreses de ABANCA, nom\u00e9s seria possible amb el consentiment previ de l&#8217;interessat, \u201d.<\/p>\n<p>En el cas de la propiet\u00e0ria d&#8217;una corredoria d&#8217;assegurances de Pontevedra que va rebre el missatge coincidint amb el per\u00edode de renovaci\u00f3 de la p\u00f2lissa, \u201cni li consta, ni, per la seva pr\u00f2pia activitat, hauria donat consentiment, llevat que s&#8217;hagu\u00e9s incl\u00f2s subrept\u00edciament en una autoritzaci\u00f3 gen\u00e8rica, que no sembla el cas\u201d, sost\u00e9 el Consejo General.<\/p>\n<p>Els Col\u00b7legis de Mediadors, com a \u00faniques corporacions de dret p\u00fablic del sector i representants de la Mediaci\u00f3, denuncien des de fa anys algunes males praxis que es produeixen a la banca en el proc\u00e9s de comercialitzaci\u00f3 d&#8217;assegurances. Una situaci\u00f3 innecess\u00e0ria i il\u00b7legal que ha obligat el Consejo ha donat suport al voltant d&#8217;un centenar de demandes, algunes de les quals han acabat amb sent\u00e8ncies condemnat\u00f2ries per a l&#8217;entitat banc\u00e0ria. El Consejo recorda que \u201ccreiem en la lliure compet\u00e8ncia sota les mateixes regles i estem obligats a denunciar una situaci\u00f3 que, d&#8217;acord amb els criteris ESG de ABANCA, esperem cessament totalment\u201d.<\/p>\n<p>Un altre exemple d&#8217;aquestes pr\u00e0ctiques il\u00b7l\u00edcites ha quedat de manifest en una nova sent\u00e8ncia contr\u00e0ria a la banca per l&#8217;exist\u00e8ncia de males pr\u00e0ctiques en la comercialitzaci\u00f3 d&#8217;assegurances, fet denunciat m\u00faltiples vegades tant pel Col\u00b7legi com pel Consejo General de Colegios de Mediadores. En aquest cas, Caixabank ha estat condemnat pel Jutjat n\u00famero 2 de Lebrija a tornar l&#8217;import de la prima d&#8217;una asseguran\u00e7a de vida, recalcular el quadre d&#8217;amortitzaci\u00f3 del pr\u00e9stec hipotecari i assumir els interessos generats i les costes processals derivades del procediment judicial, ja que \u00e9s considerada abusiva la inclusi\u00f3 d&#8217;una p\u00f2lissa de vida en un contracte.<\/p>\n<p>El Consejo General de Mediadores ha indicat que aquesta sent\u00e8ncia \u201cposa de manifest la persist\u00e8ncia de pr\u00e0ctiques abusives de la banca que segueix acumulant condemnes malgrat les recomanacions i les exig\u00e8ncies de Banc d&#8217;Espanya i del Govern\u201d.<\/p>\n<p>La sent\u00e8ncia assenyala que els clients afectats \u201cvan subscriure l&#8217;asseguran\u00e7a sense haver tingut l&#8217;opci\u00f3 de decidir si desitjaven contractar l&#8217;asseguran\u00e7a en q\u00fcesti\u00f3 o no, imposada de manera unilateral per l&#8217;entitat banc\u00e0ria\u201d. La sent\u00e8ncia ha tingut en compte que, tot i que al contracte no s&#8217;especificava de manera clara que l&#8217;asseguran\u00e7a era obligat\u00f2ria, a la pr\u00e0ctica era una exig\u00e8ncia inclosa en un formulari pr\u00e8viament redactat per contractar l&#8217;asseguran\u00e7a i que el client havia de signar obligat\u00f2riament.<\/p>\n<p>La signatura d&#8217;aquesta condici\u00f3 es va fer a les oficines de Caixabank abans de formalitzar l&#8217;escriptura p\u00fablica del pr\u00e9stec hipotecari. El banc actuava com a prenedor i com a beneficiari de la p\u00f2lissa, mentre que el prestatari \u00fanicament actuava com a assegurat, cosa que limitava clarament la capacitat del client per decidir sobre la contractaci\u00f3 del producte.<\/p>\n<p>Per al jutge, la cl\u00e0usula d&#8217;asseguran\u00e7a de Vida constitu\u00efa una condici\u00f3 general de la contractaci\u00f3. Aquesta consideraci\u00f3 \u00e9s conseq\u00fcent amb la doctrina del Tribunal Suprem que estableix que perqu\u00e8 una cl\u00e0usula sigui considerada com una condici\u00f3 general de contractaci\u00f3, ha de reunir diversos requisits, com ara ser imposada per una de les parts, estar redactada amb la finalitat de ser inclosa en diversos contractes similars i no ser fruit d&#8217;una negociaci\u00f3 pr\u00e8via entre les parts. La sent\u00e8ncia confirma que aquests requisits es van complir en aquest cas, cosa que va portar el tribunal a declarar abusiva la cl\u00e0usula esmentada.[\/vc_column_text][vc_row_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 css=&#8221;&#8221;]<\/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;][vc_column_text css=&#8221;&#8221;] COMPET\u00c8NCIA El Col\u00b7legi defensa la mediaci\u00f3 davant de nous casos d&#8217;abusos de la banca [\/vc_column_text][vc_column_text css=&#8221;&#8221;]Una sent\u00e8ncia contra Caixabank i una acci\u00f3 irregular d&#8217;Abanca, noves mostres de mala praxi per part d&#8217;entitats banc\u00e0ries[\/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_1743002255072{margin-bottom: 20px !important;}&#8221;]Els Col\u00b7legis de Mediadors han sortit, una vegada m\u00e9s, en defensa de la professi\u00f3 davant<\/p>\n","protected":false},"author":562,"featured_media":22269,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[160,1868,2047],"class_list":["post-22275","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mediarionews","tag-mn-2","tag-mn270"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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