{"id":5561,"date":"2016-03-30T17:50:41","date_gmt":"2016-03-30T14:50:41","guid":{"rendered":"https:\/\/www.arb.ro\/?p=5561"},"modified":"2024-01-20T13:08:00","modified_gmt":"2024-01-20T11:08:00","slug":"florin-danescu-comentariu-litigii-banci","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/florin-danescu-comentariu-litigii-banci\/","title":{"rendered":"Florin D\u0103nescu detaliaz\u0103 importan\u021ba \u0219i avantajele solu\u021bion\u0103rii litigiilor dintre b\u0103nci \u0219i clien\u021bi pe cale amiabil\u0103, posibil\u0103 prin intermediul CSALB - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5561\" class=\"elementor elementor-5561\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a080bc2 e-flex e-con-boxed e-con e-parent\" data-id=\"a080bc2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11958019 elementor-widget elementor-widget-text-editor\" data-id=\"11958019\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">The Romanian Association of Banks kindly invites the consumers who have a banking dispute to go to the Alternative Banking Dispute Resolution Centre (ABDRC), an entity set up via the effect of the law which solves, free of charge and in a period of time no longer than 90 days, any litigation between customers and banks.<\/p><p style=\"text-align: justify;\">Un obiectiv al strategiei pe termen lung asignat de industria bancar\u0103 este \u00eembun\u0103t\u0103\u0163irea reputa\u0163iei \u015fi cre\u015fterea \u00eencrederii consumatorilor \u00een sistemul bancar rom\u00e2nesc. Contribu\u021bia la restabilirea \u00eencrederii se poate face prin intensificarea comunic\u0103rii, programe de educa\u021bie financiar\u0103, cre\u0219terea transparen\u021bei \u0219i prin metode alternative de solu\u0163ionare a litigiilor.<\/p><p style=\"text-align: justify;\">Consider c\u0103 solu\u0163ionarea litigiilor pe cale extrajudiciar\u0103 prin Centrul de Solu\u021bionare Alternativ\u0103 a litigiilor din sistemul bancar va conduce la cre\u015fterea \u00eencrederii consumatorilor \u00een sistemul bancar.<\/p><p style=\"text-align: justify;\">Maniera de solu\u021bionare nu impune costuri pentru consumatori, acestea fiind asumate de b\u0103nci, \u00een conformitate cu legisla\u021bia na\u021bional\u0103 \u0219i european\u0103, tocmai pentru a putea rezolva litigiile care afecteaz\u0103 imaginea sistemului bancar \u0219i credibilitatea. Cu toate c\u0103 sunt \u0219i vor exista voci care s\u0103 conteste faptul c\u0103 acest Centru este finan\u021bat de b\u0103nci nu-mi r\u0103m\u00e2ne dec\u00e2t s\u0103 \u00eentreb de ce?<\/p><p style=\"text-align: justify;\">Ce interese exist\u0103 de fapt pentru blamarea unei ini\u021biative de apropiere de client at\u00e2t timp c\u00e2t directiva european\u0103 permite finan\u021barea de c\u0103tre sistemul bancar \u0219i sunt multe altfel de modele de finan\u021bare implementate \u00een Europa, c\u00e2t timp clientul nu pl\u0103te\u0219te nimic \u0219i este liber s\u0103 ia ce decizie dore\u0219te vis a vis de solu\u021bia adoptat\u0103?<\/p><p style=\"text-align: justify;\">Banks are now at a time when they are building a bridge in order to offer support to the customers who have problems or who are discontent. Crossing this bridge does not mean that customers have to spend a penny; at the end of this bridge, they will find a solution to their problems. In parallel, there is another bridge, much longer this time, the bridge of law courts where customers must pay to cross it. And they do not know what solutions are waiting for them at the other end of this bridge. Moreover, the crossing of this bridge could lead to augmenting the divergences between customers and banks; and it also means gains for those who urge them to cross this longer, more difficult and costlier bridge.<\/p><p style=\"text-align: justify;\">Consider c\u0103 ar trebui s\u0103 l\u0103s\u0103m clien\u021bii s\u0103 aleag\u0103. Personal a\u0219 merge pe calea scurt\u0103, f\u0103r\u0103 costuri \u0219i cu solu\u021bii. Acesta este \u00eendemnul: \u00eencerca\u021bi solu\u021bionarea amiabil\u0103! Aceasta este o solu\u021bie identificat\u0103 de Europa.<\/p><p style=\"text-align: justify;\">Rom\u00e2nia a asigurat implementarea Directivei 11\/2013 prin intermediul Ordonan\u021bei 38\/2015 privind solu\u021bionarea alternativ\u0103 a litigiilor dintre consumatori \u0219i comercian\u021bi. Aceast\u0103 Directiv\u0103 are \u00een vedere crearea unui mecanism simplu care s\u0103 permit\u0103 at\u00e2t consumatorilor c\u00e2t \u0219i furnizorilor de servicii mecanisme de solu\u021bionare a disputelor mai rapide, mai ieftine \u015fi mai u\u015for de utilizat dec\u00e2t prezentarea \u00een instan\u0163\u0103.<\/p><p style=\"text-align: justify;\">Av\u00e2nd \u00een vedere complexitatea domeniului bancar \u0219i impactul pe care serviciile bancare \u00eel au societate, statul rom\u00e2n a considerat oportun ca pentru domeniul bancar s\u0103 \u00eenfiin\u021beze acest Centru de Solu\u021bionare Alternativ\u0103 a litigiilor din sistemul bancar.<\/p><p style=\"text-align: justify;\">Activitatea CSALB este coordonat\u0103 de un Colegiu de coordonare format din cinci membri, respectiv c\u00e2te un reprezentant din Autoritatea Na\u021bional\u0103 pentru Protec\u021bia Consumatorilor, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Banca Na\u021bional\u0103 a Rom\u00e2niei, de la asocia\u021biile de consumatori \u0219i un membru independent ales de c\u0103tre ceilal\u021bi patru membri desemna\u021bi. B\u0103ncile nu decid \u0219i nici nu au cum s\u0103 decid\u0103 at\u00e2t timp c\u00e2t \u00een Colegiul de coordonare au un reprezentant din cinci.<\/p><p style=\"text-align: justify;\">Its mission is to solve the disputes between consumers and banks; the resolution action is carried out by persons who are independent in decision-taking, i.e. the conciliators. The Conciliators Body is made up of professionals, independent against the Coordinating College, ABDRC and the parties, conversant in financial and banking law and experienced in dispute resolution.<\/p><p style=\"text-align: justify;\">A\u0219adar, CSALB prin \u00eensu\u0219i structura sa organizatoric\u0103 \u0219i condi\u021biile de apartenen\u021b\u0103 la corpul s\u0103u profesional, \u00ee\u0219i propune s\u0103 reprezinte un organism cu un \u00eenalt grad de profesionalism \u0219i impar\u021bialitate.<\/p><p style=\"text-align: justify;\">Solu\u021bionarea litigiilor \u00een cadrul CSALB ar trebui s\u0103 reprezinte o op\u021biune avantajoas\u0103 at\u00e2t pentru consumator c\u00e2t \u0219i pentru sistemul bancar. Consumatorul poate beneficia prin intermediul CSALB de un sistem de solu\u021bionare a litigiilor gratuit, corect \u0219i rapid, iar sistemul bancar c\u00e2\u0219tig\u0103 un consumator mul\u021bumit.<\/p><p style=\"text-align: justify;\">At the same time, and for the banking system, the use of the CSALB solution is advantageous due to the short resolution period, as well as the involvement of lower costs, compared to those related to litigation before the courts.<\/p><p style=\"text-align: justify;\">CSALB organizeaz\u0103 dou\u0103 tipuri de proceduri de solu\u021bionare alternativ\u0103 a litigiilor, respectiv procedura SAL finalizat\u0103 cu propunerea unei solu\u021bii \u2013 concilierea \u0219i procedura SAL finalizat\u0103 cu impunerea unei solu\u021bii \u2013 arbitrajul. Aceste proceduri sunt facultative, voluntare \u0219i separate de procedurile din instan\u021bele de judecat\u0103.<\/p><p style=\"text-align: justify;\">Clientul \u0219i banca sau institu\u021bia financiar\u0103 nebancar\u0103 au dreptul s\u0103 aleag\u0103 tipul de procedur\u0103 \u0219i, de asemenea, \u00een situa\u021bia \u00een care ac\u021biunea se finalizeaz\u0103 cu o solu\u021bie propus\u0103, p\u0103r\u021bile o pot accepta sau nu. Altfel spus, cele dou\u0103 p\u0103r\u021bi se pot retrage oric\u00e2nd din procedur\u0103. Solu\u021bia propus\u0103 are un termen de acceptan\u021b\u0103 sau de respingere de c\u0103tre p\u0103r\u021bi de 15 zile. Dup\u0103 ce este acceptat\u0103, solu\u021bia devine obligatorie \u0219i executorie. Nu se \u00eencalc\u0103 accesul liber la justi\u021bie a\u0219a cum anumite voci \u00eencearc\u0103 s\u0103 afirme. Art.4 alin.(5), din OG nr. 38\/2015 precizeaz\u0103 expres ,,dispozi\u0163iile prezentei ordonan\u0163e nu aduc atingere dreptului persoanelor de a se adresa instan\u0163elor judec\u0103tore\u015fti competente.\u201d<\/p><p style=\"text-align: justify;\">\u00cen situa\u021bia \u00een care p\u0103r\u021bile aleg procedura \u00een care solu\u021bia este obligatorie, atunci aceasta este asem\u0103n\u0103toare cu cea din instan\u021ba arbitral\u0103, \u00eens\u0103 mai simpl\u0103 \u0219i informal\u0103. Astfel, se emite o sentin\u021b\u0103 care este definitiv\u0103, obligatorie \u015fi executorie \u0219i poate fi atacat\u0103 numai prin ac\u0163iune \u00een anulare. P\u0103r\u021bile pot renun\u021ba totu\u0219i la judecat\u0103 \u00een condi\u021biile stabilite de procedur\u0103. Aceste lucruri sunt explicate corespunz\u0103tor consumatorilor \u00eenainte de a alege tipul de procedur\u0103 (propus\u0103 sau impus\u0103).<\/p><p style=\"text-align: justify;\">Conform dispozitiilor OUG 38\/2015, entit\u0103\u021bile SAL \u0219i implicit CSALB, au obliga\u021bia de a publica informa\u021bii legate de litigiile solu\u021bionate, inclusiv informa\u021bii referitoare la orice probleme sistematice sau semnificative care apar frecvent \u0219i duc la litigii \u00eentre consumatori \u0219i comercianti. Informa\u021biile respective pot fi \u00eenso\u021bite de recomand\u0103ri cu privire la modul \u00een care aceste probleme pot fi evitate sau rezolvate \u00een viitor, \u00een scopul de a ridica standardele profesionale \u0219i de a facilita schimbul de informa\u021bii \u0219i de bune practici.<\/p><p style=\"text-align: justify;\">Therefore, CSALB aims to represent both an alternative dispute resolution system and an information center that can support consumers and the banking system, to identify the most effective options to avoid disputes and reach agreements between the parties. At the same time, in resolving the dispute, the CSALB specialist must use a language accessible to the consumer, thus ensuring a common understanding of the concepts for both sides of the dispute.<\/p><p style=\"text-align: justify;\">In the current legislative context, dominated by frequent and substantial changes in the relationship between consumers and the banking system, alternative dispute resolution represents a valid option and can become a benchmark that can support the parties.<\/p><p style=\"text-align: justify;\">\u00cencrederea dintre comercian\u021bi \u0219i consumatori reprezint\u0103 esen\u021ba unei bune func\u021bion\u0103ri a pie\u021bei. CSALB poate deveni structura \u00een cadrul c\u0103reia aceasta \u00eencredere se consolideaz\u0103.<\/p><p style=\"text-align: justify;\">Sistemul de accesare \u0219i solu\u021bionare a CSALB este unul facil \u0219i de \u00eencredere. Principala provocare \u00een asigurarea func\u021bionalit\u0103\u021bii \u0219i eficien\u021bei CSALB este asigurarea cunoa\u0219terii CSALB de c\u0103tre consumatori, ca op\u021biune valid\u0103 de solu\u021bionare a litigiilor.<\/p><p style=\"text-align: justify;\">CSALB trebuie s\u0103 devin\u0103 un organism vizibil, recunoscut ca impar\u021bial \u0219i profesionist. Pentru atingerea acestui obiectiv, este esen\u021bial\u0103 promovarea CSALB, mai ales de c\u0103tre membrii sistemului bancar \u0219i ai asocia\u021biilor de consumatori.<\/p><p style=\"text-align: justify;\">Activitatea CSALB ar trebui s\u0103 aib\u0103 ca deziderat identificarea acestuia ca organism valid \u0219i eficace pentru solu\u021bionarea litigiilor, at\u00e2t de c\u0103tre consumatori c\u00e2t \u0219i de c\u0103tre sistemul bancar. Rolul CSALB este acela de a facilita dialogul dintre consumatori \u0219i sistemul bancar \u0219i de asistare a acestora \u00een demersul de identificare \u0219i agreare a solu\u021biilor.<\/p><p style=\"text-align: justify;\">Obiectivele sale principale constau \u00een cre\u0219terea nivelului de \u00een\u021belegere a contractelor de c\u0103tre consumatori \u0219i a \u00eencrederii acestora, precum \u0219i \u00een crearea cadrului adecvat \u0219i conform reglement\u0103rii europene, care s\u0103 asigure solu\u021bionarea timpurie \u0219i eficient\u0103 a litigiilor dintre consumatori \u0219i b\u0103nci.<\/p><p style=\"text-align: justify;\">Recomandarea noastr\u0103 pentru clien\u021bii care au un litigiu financiar bancar \u0219i care nu au fost mul\u021bumi\u021bi de propunerile de solu\u021bionare \u00eenaintate de b\u0103nci sau IFN este s\u0103 se adreseze cu \u00eencredere Centrului de Solu\u021bionare Alternativ\u0103 a litigiilor \u00een sistemul bancar. Pentru b\u0103nci recomand\u0103m deschidere la utilizarea procedurilor de solu\u021bionare alternativ\u0103 a litigiilor. Efectele pe termen lung constau \u00een solu\u0163ionarea litigiilor prin conciliere\/ arbitraj \u00een timp mai scurt dec\u00e2t \u00een justi\u0163ie \u015fi la costuri mai reduse, degrevarea instan\u0163elor \u015fi, implicit, cre\u015fterea \u00eencrederii consumatorilor \u00een sistemul bancar.<\/p><p style=\"text-align: justify;\">Sursa:\u00a0<a href=\"http:\/\/www.bankingnews.ro\/florin-danescu-comentariu-litigii-banci.html\">http:\/\/www.bankingnews.ro\/florin-danescu-comentariu-litigii-banci.html<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB, \u2013 Bankingnews 28.03.2016<\/p>","protected":false},"author":3,"featured_media":3014534,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-5561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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