{"id":264,"date":"2014-05-15T10:21:35","date_gmt":"2014-05-15T10:21:35","guid":{"rendered":"http:\/\/www.pratsadvocats.com\/?p=264"},"modified":"2014-05-15T10:21:35","modified_gmt":"2014-05-15T10:21:35","slug":"prats-advocats-especialistes-en-dret-bancari","status":"publish","type":"post","link":"https:\/\/www.pratsadvocats.com\/ca\/prats-advocats-especialistes-en-dret-bancari\/","title":{"rendered":"Prats Advocats, especialistes en dret bancari"},"content":{"rendered":"<p><strong>Darrerament, for\u00e7a sovint ens arriben consultes de clients, familiars, amics\u2026 de l\u2019estil \u201c<i>a tothom li baixa la hipoteca, perqu\u00e8 no para de baixar l\u2019EURIBOR i a mi no!\u201d<\/i> No baixa la seva quota i tampoc coneix el motiu. En la majoria dels casos, la causa m\u00e9s probable d&#8217;aquesta situaci\u00f3 \u00e9s que la hipoteca en q\u00fcesti\u00f3 estigui afectada per una cl\u00e0usula s\u00f2l.<\/strong><\/p>\n<p>A <a href=\"https:\/\/www.facebook.com\/pages\/Prats-Advocats\/182145268479843?focus_composer=true&amp;ref=hl\">Prats Advocats<\/a><strong>,<\/strong> especialistes en dret bancari, tenim la soluci\u00f3. Podem recuperar els diners pagats de m\u00e9s en els \u00faltims anys i aconseguir que a partir d&#8217;ara nom\u00e9s pagui el que li pertoca&#8230; ni un c\u00e8ntim m\u00e9s!<\/p>\n<p>Malauradament, tamb\u00e9 \u00e9s molt habitual trobar-se amb persones manifestant la seva indignaci\u00f3 al veure com aquell dip\u00f2sit, termini fix o imposici\u00f3 banc\u00e0ria no ha resultat, ni de bon tros, el producte que al moment de la seva contractaci\u00f3 li van explicar o prometre i tampoc s\u2019ha ajustat al comprom\u00eds establert, a l\u2019haver contractat sense saber-ho i per la confian\u00e7a dipositada en la persona informant -generalment el director de l\u2019oficina- PARTICIPACIONS o OBLIGACIONS PREFERENTS, DEUTE SUBORDINAT o altres productes d\u2019alt risc. El resultat m\u00e9s com\u00fa per a les persones que han contractat aquests productes \u00e9s la p\u00e9rdua dels seus estalvis.<\/p>\n<p>Davant d\u2019aquestes situacions, massa freq\u00fcents i que es poden considerar com abusos bancaris, no ens podem quedar amb els bra\u00e7os creuats; per injustes i perqu\u00e8 en la majoria de les ocasions el client afectat que presenta una reclamaci\u00f3 davant la entitat financera mitjan\u00e7ant els serveis d\u2019un advocat aconsegueix una resoluci\u00f3 favorable per als seus interessos.<\/p>\n<p>En aquest \u00e0mbit existeix un principi b\u00e0sic que en moltes ocasions ens permet obtenir un resultat favorable per als interessos del consumidor davant les entitats financeres i que radica en el fet de que sense consentiment no pot existir contracte i amb un consentiment prestat amb error essencial \u2013com acostuma a succeir al contractar aquests productes- per exist\u00e8ncia d\u2019una voluntat manifesta i maliciosa d\u2019enganyar al contractant o incomplir amb l\u2019obligaci\u00f3 contreta, no pertoca una altra cosa que sol\u00b7licitar la nul\u00b7litat del contracte bancari en q\u00fcesti\u00f3.<\/p>\n<p>A <strong>Prats Advocats<\/strong> som especialistes en dret bancari i volem posar-nos al seu costat per ajudar-li a recuperar, total o parcialment, all\u00f2 que \u00e9s seu, i a estalviar-se cal\u00e9s a la seva hipoteca, volem estar al seu costat a l\u2019hora de denunciar qualsevol tipus de mala praxis per part d\u2019alguna entitat financera.<\/p>\n<p>En aquests tipus de situacions, cada dia que passa la persona afectada est\u00e0 perdent uns diners que s\u00f3n seus. Per aix\u00f2, no es pot deixar passar el temps. Si vost\u00e8 \u00e9s una persona afectada per algun producte d\u2019aquest tipus \u2013cl\u00e0usules s\u00f2l, SWAP, deute subordinat, preferents\u2026- o pensa que pot ser aix\u00ed, truqui\u2019ns sense comprom\u00eds i expliqui\u2019ns el seu cas.<\/p>\n<p>A<strong> Prats Advocats<\/strong> hem anul\u00b7lat un gran nombre de cl\u00e0usules s\u00f2l a les hipoteques amb un considerable estalvi per a la persona afectada. Li farem un estudi gratu\u00eft i li calcularem, sense cap cost, quants diners ha pagat de m\u00e9s i quant es pot estalviar a partir d\u2019ara.<\/p>\n<p>No deixi passar l\u2019oportunitat de recuperar el seu diners i rebaixar la quota de la seva hipoteca! Tenim la soluci\u00f3! Nosaltres ens encarregarem de tot. Estem per ajudar-lo, estem per assessorar-lo.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Darrerament, for\u00e7a sovint ens arriben consultes de clients, familiars, amics\u2026 de l\u2019estil \u201ca tothom li baixa la hipoteca, perqu\u00e8 no para de baixar l\u2019EURIBOR i a mi no!\u201d No baixa la seva quota i tampoc coneix el motiu. En la majoria dels casos, la causa m\u00e9s probable d&#8217;aquesta situaci\u00f3 \u00e9s que la hipoteca en q\u00fcesti\u00f3 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1057,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[35,169],"tags":[],"class_list":["post-264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualitat","category-dret-bancari"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Prats Advocats, especialistes en dret bancari - Prats Advocats<\/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.pratsadvocats.com\/ca\/prats-advocats-especialistes-en-dret-bancari\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prats Advocats, especialistes en dret bancari - Prats Advocats\" \/>\n<meta property=\"og:description\" content=\"Darrerament, for\u00e7a sovint ens arriben consultes de clients, familiars, amics\u2026 de l\u2019estil \u201ca tothom li baixa la hipoteca, perqu\u00e8 no para de baixar l\u2019EURIBOR i a mi no!\u201d No baixa la seva quota i tampoc coneix el motiu. En la majoria dels casos, la causa m\u00e9s probable d&#8217;aquesta situaci\u00f3 \u00e9s que la hipoteca en q\u00fcesti\u00f3 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pratsadvocats.com\/ca\/prats-advocats-especialistes-en-dret-bancari\/\" \/>\n<meta property=\"og:site_name\" content=\"Prats Advocats\" \/>\n<meta property=\"article:published_time\" content=\"2014-05-15T10:21:35+00:00\" \/>\n<meta name=\"author\" content=\"autopackswe\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"autopackswe\" \/>\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.pratsadvocats.com\/ca\/prats-advocats-especialistes-en-dret-bancari\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/prats-advocats-especialistes-en-dret-bancari\/\"},\"author\":{\"name\":\"autopackswe\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3\"},\"headline\":\"Prats Advocats, especialistes en dret bancari\",\"datePublished\":\"2014-05-15T10:21:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/prats-advocats-especialistes-en-dret-bancari\/\"},\"wordCount\":588,\"image\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/prats-advocats-especialistes-en-dret-bancari\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2014\/05\/ING_33594_17585dret-bancari-1.jpg\",\"articleSection\":[\"Actualitat\",\"Dret bancari\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/prats-advocats-especialistes-en-dret-bancari\/\",\"url\":\"https:\/\/www.pratsadvocats.com\/ca\/prats-advocats-especialistes-en-dret-bancari\/\",\"name\":\"Prats Advocats, especialistes en dret bancari - 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