{"id":57230,"date":"2020-07-13T12:35:02","date_gmt":"2020-07-13T17:35:02","guid":{"rendered":"http:\/\/www.lospoliticosveracruz.com.mx\/?p=57230"},"modified":"2020-07-13T12:35:02","modified_gmt":"2020-07-13T17:35:02","slug":"regulacion-legal-de-recuperadoras-asignatura-pendiente","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=57230","title":{"rendered":"Regulaci\u00f3n legal de recuperadoras, asignatura pendiente"},"content":{"rendered":"

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

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

Las reparadoras de cr\u00e9dito son empresas privadas cuyo giro consiste en fungir como intermediarias entre un deudor y su acreedor cobrando mensualidades por sus servicios y un porcentaje sobre el descuento que el banco llegara a otorgar a sus clientes.<\/p>\n

Este modelo de negocio surgi\u00f3 en nuestro pa\u00eds, hace aproximadamente 10 a\u00f1os, cuando los bancos comenzaron a hacer uso de terceros (despachos de cobranza) para la recuperaci\u00f3n de su cuentas vencidas.<\/p>\n

El modelo de \u201cintermediaci\u00f3n\u201d fue pr\u00e1cticamente copiado por estas empresas, que se ofrec\u00edan a ser esos \u201cterceros\u201d intermediarios a la inversa, es decir, entre el deudor y su acreedor.<\/p>\n

Esto permiti\u00f3 que se lucrara con las deudas y con el miedo de los deudores; pues resulta indebido que alguien en cartera vencida tenga que pagar un porcentaje del descuento de sus deudas a un tercero, aparte de los intereses que pag\u00f3 a la instituci\u00f3n crediticia durante la vida del cr\u00e9dito; sobre todo porque dichos descuentos son otorgados por los Bancos a sus clientes de modo org\u00e1nico y no necesariamente por la intermediaci\u00f3n de una reparadora, m\u00e1s bien obedecen a la falta de garant\u00edas de un cr\u00e9dito (tarjetas de cr\u00e9dito), al historial del deudor y al tiempo de moratoria.<\/p>\n

Son m\u00e1s los riesgos de los beneficios de quienes optan por la contrataci\u00f3n de servicios pues \u00e9stas empresas a la fecha no cuentan con un marco legal es decir no est\u00e1n reguladas ni supervisadas por ninguna autoridad, y por lo mismo no se cuenta con un registro de las mismas, tampoco hay una evaluaci\u00f3n sobre su desempe\u00f1o, sus empleados se anuncian como asesores financieros sin que acrediten su grado de estudios y\/o capacitaci\u00f3n en esta \u00e1rea o en rubros legales.<\/p>\n

Su publicidad puede resultar enga\u00f1osa, pues a la par que prometen mucho como descuentos de m\u00e1s del 70%, no garantizan sus servicios y sus esquemas de ayuda y ahorro son poco claros.<\/p>\n

Y si bien con anterioridad autoridades expertas en el ramo han enviado alertas a la poblaci\u00f3n sobre evitar contratar sus servicios; debido a las condiciones de insolvencia generalizada que imperan resulta m\u00e1s que urgente que las autoridades del sector financiero se pronuncien ya sobre la operaci\u00f3n actual de estas empresas y tomen las acciones legales pertinentes para la legal regulaci\u00f3n de las mismas.<\/p>\n

Y se integre un padr\u00f3n de empresas con este giro que operen con legalidad para que los ciudadanos puedan consultarlo antes de llevar a cabo dep\u00f3sitos o pagos anticipados por la prestaci\u00f3n de sus servicios.<\/p>\n

De igual forma la Procuradur\u00eda Federal del Consumidor instancia se\u00f1alada como competente para conocer de las malas pr\u00e1cticas de las reparadoras, debe requerir a la brevedad el mecanismo que utilizan para obtener n\u00fameros telef\u00f3nicos privados, o celulares de personas en cartera vencida, al tiempo de exhortarlas a que se abstengan de enviar mensajes de texto que contengan enlaces directos sus p\u00e1ginas pues al ingresar a dichos links pueden obtener informaci\u00f3n sensible y confidencial sobre n\u00fameros de cuentas, identificaciones personales incluso ingresos haci\u00e9ndolos vulnerables a delitos de tipo cibern\u00e9tico.<\/p>\n

Visite\u00a0 www.elbarzonrc.org<\/a> Contacte elbarzonrc@yahoo.com.mx<\/a>, O s\u00edgame en @terecarbajal<\/p>\n","protected":false},"excerpt":{"rendered":"

Teresa Carbajal Debo no niego; pago lo justo Las reparadoras de cr\u00e9dito son empresas privadas cuyo giro consiste en fungir como intermediarias entre un deudor y su acreedor cobrando mensualidades por sus servicios y un porcentaje sobre el descuento que el banco llegara a otorgar a sus clientes. Este modelo de negocio surgi\u00f3 en nuestro […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[70],"tags":[19165,19164,16320,19163,18845,17372,15570],"class_list":{"0":"post-57230","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-de-opinion","7":"tag-cuentas-vencidas","8":"tag-despachos-de-cobranza","9":"tag-deudor","10":"tag-empresas-privadas","11":"tag-reparadoras-de-credito","12":"tag-tarjetas-de-credito","13":"tag-teresa-carbajal"},"yoast_head":"\nRegulaci\u00f3n legal de recuperadoras, asignatura pendiente - 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=57230\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Regulaci\u00f3n legal de recuperadoras, asignatura pendiente - Los pol\u00edticos Veracruz\" \/>\n<meta property=\"og:description\" content=\"Teresa Carbajal Debo no niego; pago lo justo Las reparadoras de cr\u00e9dito son empresas privadas cuyo giro consiste en fungir como intermediarias entre un deudor y su acreedor cobrando mensualidades por sus servicios y un porcentaje sobre el descuento que el banco llegara a otorgar a sus clientes. 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