{"id":135357,"date":"2025-01-10T10:12:04","date_gmt":"2025-01-10T16:12:04","guid":{"rendered":"https:\/\/lospoliticosveracruz.com.mx\/?p=135357"},"modified":"2025-01-10T10:12:24","modified_gmt":"2025-01-10T16:12:24","slug":"el-reino-de-las-sofomes","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=135357","title":{"rendered":"EL REINO DE LAS SOFOMES"},"content":{"rendered":"\n

S\u00edguenos ahora tambi\u00e9n en WhatsApp.\u00a0Da clic aqu\u00ed<\/strong><\/em><\/a><\/p>\n\n\n\n

Teresa Carbajal<\/strong><\/p>\n\n\n\n

Debo, no niego; pago, lo justo<\/p>\n\n\n\n

Como le dec\u00eda si este a\u00f1o algo vamos a poner de moda, son las quejas contra las financieras que constituidas bajo la modalidad de Sociedades Financieras de Objeto M\u00faltiple gozan de leyes a su favor, poder econ\u00f3mico, pero sobre todo mucho poder pol\u00edtico.<\/p>\n\n\n

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\"\"<\/a><\/figure>\n<\/div>\n\n\n

Son m\u00e1s voraces que los bancos en t\u00e9rminos de usura, y m\u00e1s abusivas en t\u00e9rminos de pr\u00e1cticas comerciales; y es que, en este observatorio natural de los fen\u00f3menos financieros que ocurren en la cotidianidad, tenemos ocasi\u00f3n de advertir cada una de las pr\u00e1cticas novedosas ama\u00f1adas, con las que las financieras enganchan y enga\u00f1an a las personas atrap\u00e1ndolas en un espiral interminable, no de deudas, de problemas en s\u00ed, b\u00e1sicamente legales.<\/p>\n\n\n\n

No me equivoco al decir que son los adultos mayores el p\u00fablico cautivo de estas sociedades financieras, tanto por la vulnerabilidad en la que se encuentran, la soledad con la que se conducen, y lo limitado de sus sentidos y capacidades en algunos casos. Lo que les permite garantizar la eficacia de las trampas que pueden tenderles para hacerles firmar documentos sin reflexionar sobre la naturaleza y riesgos de lo que firman.<\/p>\n\n\n\n

Para muestra un bot\u00f3n; le explico la din\u00e1mica, una vez que una persona llega al mostrador o a atender la invitaci\u00f3n de aceptar un cr\u00e9dito con ellas, firman un contrato de adhesi\u00f3n con un clausulado que desconocen en sus t\u00e9rminos y alcances, sobre todo en la interpretaci\u00f3n que pueda darles un tribunal si fuera el caso de que entraran en conflictos de pago, exigiendo su cumplimiento.<\/p>\n\n\n\n

Aun as\u00ed, lo m\u00e1s grave no es la firma que obtienen en estos contratos, o el que se nieguen a proporcionarles una copia de lo que firmaron, por lo menos para darle una le\u00edda, y saber qu\u00e9 hacer en caso de controversia, o a qu\u00e9 se tiene derecho y qu\u00e9 se puede reclamar en caso de presentarse alg\u00fan abuso.<\/p>\n\n\n\n

Lo m\u00e1s grave que puedo advertir, es que como parte del \u201cpapeleo\u201d, les hacen firmar un pagar\u00e9 en blanco. Dejando sin escritura los espacios de la suma a pagar, y de la fecha en que se celebr\u00f3 el contrato.<\/p>\n\n\n\n

Que, si por las prisas o porque el llenado es posterior por parte de la empresa, y que solo es como parte de los requisitos. \u00bfSaben los usuarios o les explican qu\u00e9 es un pagar\u00e9?<\/p>\n\n\n\n

\u00a1Por supuesto que no!, y a modo de ejercicio, me permito hacerles la pregunta a todos ustedes amables lectores, \u00bfsaben acaso cu\u00e1l es el uso que se le da a \u00e9stos documentos?<\/p>\n\n\n\n

\u00bfSaben acaso, que este documento sencillo, que contiene la orden de pagar incondicionalmente una suma determinada, es la prueba id\u00f3nea para que en lo futuro (cuando se le plazca a la financiera) pueda ejercitarlo ante un tribunal y obtener con su sola presentaci\u00f3n una orden de embargo en su contra, por un tanto igual a multiplicar por tres la suma que ah\u00ed dice que se adeuda?<\/p>\n\n\n\n

Esto, porque se trata de un t\u00edtulo de cr\u00e9dito, que dicen las leyes, no necesita \u201cperfeccionamiento legal alguno\u201d para ser v\u00e1lido. Es decir, no se necesita que lo reconozcas ante un notario o que vaya firmado con testigos de por medio. Y no puedes desconocerlo solo porque s\u00ed.<\/p>\n\n\n\n

La gravedad del asunto, es que las Sociedades Financieras se han aprovechado de esta laxitud en las leyes, en beneficio del tenedor (due\u00f1o) de un pagar\u00e9. Para que, al menor incumplimiento, rellenen los espacios en blanco del pagar\u00e9 para exigir cualquier cantidad que se les venga en gana.<\/p>\n\n\n\n

As\u00ed, hemos detectado casos de personas que pidieron setenta o noventa mil pesos a una de esta Sociedades Financieras, firmando un pagar\u00e9 en blanco como parte de los requisitos. Que ahora llegan hasta las puertas del Barz\u00f3n con la ingrata noticia de que una financiera de pr\u00e9stamos (para nada felices) us\u00f3 esa firma en blanco, rellenando los espacios vac\u00edos dejados en el pagar\u00e9. Y haciendo un uso doloso del mismo les reclama m\u00e1s de medio mill\u00f3n de pesos, aparte de los intereses.<\/p>\n\n\n\n

Encontrando cobijo en leyes obsoletas, y haciendo trucos para que los tribunales pasen desapercibidos detalles de los deudores (justiciables) como, por ejemplo, si se trata de pensionados, jubilados, juzgando sin pruebas sobre su \u201cpeligrosidad\u201d de huir de la deuda, para dictar \u00f3rdenes de embargo sobre cuentas bancarias.<\/p>\n\n\n\n

Eso s\u00ed, ocultando bajo la manga el contrato, omitiendo los pagos que han recibido, y exigiendo justicia, cuando lo que merecen es c\u00e1rcel por atrevidos y ma\u00f1osos.<\/p>\n\n\n\n

\u00danase ya, a la Jornada Estatal para la Defensa del Patrimonio Familiar 2281148502 visite www.elbarzonrc.org Contacte elbarzonrc@yahoo.com.mx, O s\u00edgame en @terecarbajal<\/p>\n","protected":false},"excerpt":{"rendered":"

S\u00edguenos ahora tambi\u00e9n en WhatsApp.\u00a0Da clic aqu\u00ed Teresa Carbajal Debo, no niego; pago, lo justo Como le dec\u00eda si este a\u00f1o algo vamos a poner de moda, son las quejas contra las financieras que constituidas bajo la modalidad de Sociedades Financieras de Objeto M\u00faltiple gozan de leyes a su favor, poder econ\u00f3mico, pero sobre todo […]<\/p>\n","protected":false},"author":2,"featured_media":119935,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[70],"tags":[42655,15570],"class_list":{"0":"post-135357","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-de-opinion","8":"tag-sociedades-financieras-de-objeto-multiple","9":"tag-teresa-carbajal"},"yoast_head":"\nEL REINO DE LAS SOFOMES - Los pol\u00edticos Veracruz<\/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:\/\/lospoliticosveracruz.com\/?p=135357\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EL REINO DE LAS SOFOMES - 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