{"id":5078,"date":"2025-05-21T21:20:37","date_gmt":"2025-05-21T19:20:37","guid":{"rendered":"https:\/\/www.pratsadvocats.com\/?p=5078"},"modified":"2025-05-21T21:20:37","modified_gmt":"2025-05-21T19:20:37","slug":"phishing-2","status":"publish","type":"post","link":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/","title":{"rendered":"Phishing"},"content":{"rendered":"<h1><strong>El Tribunal Suprem avala als afectats per phishing: el banc ha de retornar els diners si no hi ha neglig\u00e8ncia<\/strong><\/h1>\n<p>En un moment on les estafes digitals s\u00f3n cada vegada m\u00e9s habituals, el Tribunal Suprem ha dictat una sent\u00e8ncia clau per a les v\u00edctimes de phishing. Aquesta pr\u00e0ctica fraudulenta, que consisteix en enganyar l&#8217;usuari perqu\u00e8 faciliti dades personals o banc\u00e0ries, ha buidat els comptes de molts consumidors i empreses.<\/p>\n<p>En una de les primeres resolucions del magistrat Manuel Almenar a la Sala Primera del Suprem (Sent\u00e8ncia 571\/2025, de 9 d\u2019abril), es confirma que, si una entitat banc\u00e0ria no pot demostrar que el client va actuar amb neglig\u00e8ncia greu o de manera fraudulenta, est\u00e0 <strong>obligada a retornar els diners estafats<\/strong>, amb interessos i despeses associades.<\/p>\n<p>El cas analitzat fa refer\u00e8ncia a un client d\u2019Ibercaja que va perdre m\u00e9s de 83.000 euros a causa d\u2019una suplantaci\u00f3 d\u2019identitat. Tot i haver avisat l\u2019entitat sobre operacions sospitoses i accessos no autoritzats, el banc no va actuar amb la dilig\u00e8ncia necess\u00e0ria ni va impedir els moviments fraudulents.<\/p>\n<h2>La sent\u00e8ncia destaca dos aspectes essencials:<\/h2>\n<ol>\n<li><strong>El consentiment ha de ser real i conscient.<\/strong> No es pot assumir que hi ha consentiment nom\u00e9s pel fet que s\u2019hagin utilitzat les claus correctes.<\/li>\n<li><strong>Els bancs han d\u2019actuar com a professionals experts,<\/strong> amb sistemes que detectin operacions no habituals, especialment en casos d\u2019usuaris que ja han alertat d\u2019activitats sospitoses.<\/li>\n<\/ol>\n<p>Aquesta resoluci\u00f3 marca un precedent i refor\u00e7a la posici\u00f3 dels usuaris davant les entitats financeres. A m\u00e9s, desmunta l\u2019\u00fas de cl\u00e0usules abusives que pretenen eximir el banc de responsabilitats en cas de frau digital.<\/p>\n<p>A <strong>Prats Advocats<\/strong>, comptem amb professionals especialitzats en dret del consumidor. Si has estat v\u00edctima de phishing, <strong>et podem ajudar a reclamar i defensar els teus drets<\/strong>. No deixis que el banc et deixi sense resposta. Contacta amb nosaltres per rebre assessorament legal adaptat al teu cas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Tribunal Suprem avala als afectats per phishing: el banc ha de retornar els diners si no hi ha neglig\u00e8ncia En un moment on les estafes digitals s\u00f3n cada vegada m\u00e9s habituals, el Tribunal Suprem ha dictat una sent\u00e8ncia clau per a les v\u00edctimes de phishing. Aquesta pr\u00e0ctica fraudulenta, que consisteix en enganyar l&#8217;usuari perqu\u00e8 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5072,"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":[29,160,69,20],"tags":[],"class_list":["post-5078","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad","category-derecho-bancario","category-general","category-prats-sociedad"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Phishing - 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\/phishing-2\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Phishing - Prats Advocats\" \/>\n<meta property=\"og:description\" content=\"El Tribunal Suprem avala als afectats per phishing: el banc ha de retornar els diners si no hi ha neglig\u00e8ncia En un moment on les estafes digitals s\u00f3n cada vegada m\u00e9s habituals, el Tribunal Suprem ha dictat una sent\u00e8ncia clau per a les v\u00edctimes de phishing. Aquesta pr\u00e0ctica fraudulenta, que consisteix en enganyar l&#8217;usuari perqu\u00e8 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Prats Advocats\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-21T19:20:37+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=\"2 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/\"},\"author\":{\"name\":\"autopackswe\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3\"},\"headline\":\"Phishing\",\"datePublished\":\"2025-05-21T19:20:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/\"},\"wordCount\":338,\"image\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2025\/05\/Maig-3-Phishing-2.png\",\"articleSection\":[\"Actualidad\",\"Derecho bancario\",\"General\",\"Social\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/\",\"url\":\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/\",\"name\":\"Phishing - Prats Advocats\",\"isPartOf\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2025\/05\/Maig-3-Phishing-2.png\",\"datePublished\":\"2025-05-21T19:20:37+00:00\",\"author\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#primaryimage\",\"url\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2025\/05\/Maig-3-Phishing-2.png\",\"contentUrl\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2025\/05\/Maig-3-Phishing-2.png\",\"width\":1080,\"height\":1350},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/www.pratsadvocats.com\/ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Phishing\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#website\",\"url\":\"https:\/\/www.pratsadvocats.com\/ca\/\",\"name\":\"Prats Advocats\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.pratsadvocats.com\/ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3\",\"name\":\"autopackswe\",\"url\":\"https:\/\/www.pratsadvocats.com\/ca\/author\/autopackswe\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Phishing - Prats Advocats","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.pratsadvocats.com\/ca\/phishing-2\/","og_locale":"ca_ES","og_type":"article","og_title":"Phishing - Prats Advocats","og_description":"El Tribunal Suprem avala als afectats per phishing: el banc ha de retornar els diners si no hi ha neglig\u00e8ncia En un moment on les estafes digitals s\u00f3n cada vegada m\u00e9s habituals, el Tribunal Suprem ha dictat una sent\u00e8ncia clau per a les v\u00edctimes de phishing. Aquesta pr\u00e0ctica fraudulenta, que consisteix en enganyar l&#8217;usuari perqu\u00e8 [&hellip;]","og_url":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/","og_site_name":"Prats Advocats","article_published_time":"2025-05-21T19:20:37+00:00","author":"autopackswe","twitter_card":"summary_large_image","twitter_misc":{"Escrit per":"autopackswe","Temps estimat de lectura":"2 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#article","isPartOf":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/"},"author":{"name":"autopackswe","@id":"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3"},"headline":"Phishing","datePublished":"2025-05-21T19:20:37+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/"},"wordCount":338,"image":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2025\/05\/Maig-3-Phishing-2.png","articleSection":["Actualidad","Derecho bancario","General","Social"],"inLanguage":"ca"},{"@type":"WebPage","@id":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/","url":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/","name":"Phishing - Prats Advocats","isPartOf":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#primaryimage"},"image":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2025\/05\/Maig-3-Phishing-2.png","datePublished":"2025-05-21T19:20:37+00:00","author":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3"},"breadcrumb":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#primaryimage","url":"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2025\/05\/Maig-3-Phishing-2.png","contentUrl":"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2025\/05\/Maig-3-Phishing-2.png","width":1080,"height":1350},{"@type":"BreadcrumbList","@id":"https:\/\/www.pratsadvocats.com\/ca\/phishing-2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/www.pratsadvocats.com\/ca\/"},{"@type":"ListItem","position":2,"name":"Phishing"}]},{"@type":"WebSite","@id":"https:\/\/www.pratsadvocats.com\/ca\/#website","url":"https:\/\/www.pratsadvocats.com\/ca\/","name":"Prats Advocats","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pratsadvocats.com\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Person","@id":"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3","name":"autopackswe","url":"https:\/\/www.pratsadvocats.com\/ca\/author\/autopackswe\/"}]}},"_links":{"self":[{"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/posts\/5078","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/comments?post=5078"}],"version-history":[{"count":0,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/posts\/5078\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/media\/5072"}],"wp:attachment":[{"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/media?parent=5078"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/categories?post=5078"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/tags?post=5078"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}