Un consumidor mitjà pot pagar fins a 567,8 euros anuals en comissions bancàries, un 265,57% més que el 2004
13/01/2012
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<p><span id="result_box" lang="ca"><span class="hps">Amb</span> <span class="hps">l'objectiu</span> <span class="hps">d'aclarir la</span> <span class="hps">fosca</span> <span class="hps">aplicació</span> <span class="hps">de les</span> <span class="hps">comissions</span> <span class="hps">més</span> <span class="hps">comunes</span><span>,</span> <span class="hps">ADICAE</span> <span class="hps">ha</span> <span class="hps">realitzat un</span> <span class="hps">estudi del</span> <span class="hps">cost</span> <span class="hps">anual per a un consumidor</span> <span class="hps">de</span> <span class="hps">les</span> <span class="hps">operacions</span> <span class="hps">financeres</span> <span class="hps">més</span> <span class="hps">habituals</span><span>,</span> <span class="hps">arribant a la</span> <span class="hps">conclusió</span> <span class="hps">que un</span> <span class="hps">usuari mitjà</span> <span class="hps">pot</span> <span class="hps">arribar</span> <span class="hps">a pagar fins a</span> <span class="hps">567'8</span> <span class="hps">euros a</span> <span class="hps">seva entitat</span> <span class="hps">només</span> <span class="hps">en concepte</span> <span class="hps">de comissions</span><span>.</span> <span class="hps">ADICAE</span> <span class="hps">va realitzar</span> <span class="hps">aquest</span> <span class="hps">mateix</span> <span class="hps">estudi</span> <span class="hps">el 2004.</span> <span class="hps">Des de llavors</span> <span class="hps">l'augment</span> <span class="hps">de les</span> <span class="hps">comissions</span> <span class="hps">màximes</span> <span class="hps">és descomunal</span><span>,</span> <span class="hps">amb</span> <span class="hps">una mitjana del</span> <span class="hps">265'57</span><span>%</span><span>.</span> <span class="hps">En</span> <span class="hps">aquest</span> <span class="hps">període</span> <span class="hps">l'IPC</span> <span class="hps">només ha</span> <span class="hps">pujat un</span> <span class="hps">24'4</span><span>%</span><span>.</span></span></p> <p><span id="result_box" lang="ca"><span class="hps">Convé</span> <span class="hps">destacar que aquest</span> <span class="hps">desmesurat</span> <span class="hps">increment</span> <span class="hps">de les</span> <span class="hps">comissions</span> <span class="hps">bancàries</span> <span class="hps">no s'ha</span> <span class="hps">correspost</span> <span class="hps">amb</span> <span class="hps">una millora</span> <span class="hps">del servei que</span> <span class="hps">presten</span> <span class="hps">els</span> <span class="hps">bancs</span><span>.</span> <span class="hps">Més aviat al</span> <span class="hps">contrari</span><span>,</span> <span class="hps">aquest increment de</span> <span class="hps">les</span> <span class="hps">comissions</span> <span class="hps">pagades</span> <span class="hps">pels</span> <span class="hps">usuaris ha</span> <span class="hps">estat</span> <span class="hps">compensat</span> <span class="hps">per</span> <span class="hps">les</span> <span class="hps">entitats</span> <span class="hps">financeres</span> <span class="hps">amb</span> <span class="hps">una disminució</span> <span class="hps">en la qualitat</span> <span class="hps">dels</span> <span class="hps">serveis que</span> <span class="hps">presten als seus</span> <span class="hps">clients</span><span>:</span> <span class="hps">en alguns</span> <span class="hps">casos</span><span>,</span> <span class="hps">segons</span> <span class="hps">l'estudi</span> <span class="hps">d'ADICAE</span><span>,</span> <span class="hps">arriben</span> <span class="hps">a</span> <span class="hps">obligar</span> <span class="hps">el pagament</span> <span class="hps">de rebuts</span> <span class="hps">en finestreta</span> <span class="hps">únicament</span> <span class="hps">dos dies</span> <span class="hps">per</span> <span class="hps">setmana</span> <span class="hps">o exigir</span> <span class="hps">la retirada</span> <span class="hps">en efectiu</span> <span class="hps">del caixer</span> <span class="hps">automàtic</span> <span class="hps">per quantitats</span> <span class="hps">inferiors</span> <span class="hps">a 300</span> <span class="hps">euros</span><span>,</span> <span class="hps">causant un</span> <span class="hps">greu</span> <span class="hps">perjudici als</span> <span class="hps">usuaris</span><span>.</span></span></p> <p><span id="result_box" lang="ca"><span class="hps">Davant</span> <span class="hps">aquesta</span> <span class="hps">situació</span> <span class="hps">de desprotecció</span> <span class="hps">dels</span> <span class="hps">consumidors</span><span>,</span> <span class="hps">ADICAE</span> <span class="hps">propugna</span> <span class="hps">per la</span> <span class="hps">regulació</span> <span class="hps">legal d'una</span> <span class="hps">qüestió</span> <span class="hps">tan</span> <span class="hps">important</span> <span class="hps">com</span> <span class="hps">és</span> <span class="hps">el de les</span> <span class="hps">comissions</span> <span class="hps">bancàries</span><span>,</span> <span class="hps">que no tenen</span> <span class="hps">criteris</span> <span class="hps">clars</span> <span class="hps">en la seva aplicació</span><span>.</span> <span class="hps">Caldria</span> <span class="hps">establir</span> <span class="hps">unes</span> <span class="hps">regles</span> <span class="hps">d'actuació</span> <span class="hps">i</span> <span class="hps">de transparència</span> <span class="hps">per</span> <span class="hps">part</span> <span class="hps">de les</span> <span class="hps">entitats</span> <span class="hps">financeres</span><span>,</span> <span class="hps">amb</span> <span class="hps">la finalitat</span> <span class="hps">de protegir els</span> <span class="hps">drets</span> <span class="hps">dels</span> <span class="hps">consumidors</span><span>.</span></span></p>