PERYPETIE FRANKOWICZÓW

PERYPETIE FRANKOWICZÓW CZĘŚĆ 2, CZYLI … JAK NIE ZWARIOWAĆ W GĄSZCZU FORMALNOŚCI?

Chyba każdy człowiek na myśl o zbieraniu dokumentacji czy przygotowywaniu pism, oświadczeń i całej masy innych formalności  traci siły. Tym bardziej frankowicze, którzy dodatkowo są przytłoczeni ogromnym ciężarem straty finansowej. Poziom stresu bardzo często uniemożliwia podjęcie jakichkolwiek decyzji oraz działań. To ludzkie i zupełnie naturalne, jednak…to właśnie jest pierwszy krytyczny punkt, który może odebrać frankowiczom szansę na odzyskanie swoich pieniędzy.
Drugim niezwykle ważnym punktem krytycznym jest kontakt z bankiem. Teoretycznie kredytodawca powinien w terminie do 30 dni udzielić odpowiedzi na wniosek o wydanie dokumentów, jednak jeśli pismo jest niekompletne lub mało precyzyjne to, ten etap może przeciągać się o wiele tygodni. Zatem poza zebraniem wiedzy i dokumentacji dochodzą jeszcze niekończące się „wycieczki” do banku oraz znane wszystkim odsyłanie od okienka do okienka. Całość dodatkowo okraszona nagłymi informacjami, że jeszcze czegoś brakuje lub bank ma nadplanowe pytania. Nic dziwnego, że nawet początkowo zdeterminowani do walki frankowicze mają ochotę porzucić dalsze starania dla przysłowiowego „świętego spokoju”.

Co ciekawe – nasz Prezes, który jak już wiesz, też jest frankowiczem, na etapie kontaktu z bankiem spotkał się z jeszcze jedną sytuacją. Pracownik banku „upewniał” się, czy aby na pewno Prezes potrzebuje takich dokumentów i „ostrzegał”, że część z nich będzie połączona z dodatkowymi kosztami. Można to bardzo różnie zinterpretować, prawda? Ustalmy jednak, że nie szukamy dziennikarskich sensacji i nie tworzymy podejrzeń, że banki mogą starać się utrudniać frankowiczom rozpoczęcie procedury odzyskiwania pieniędzy. Zatem zajmijmy się tym co najważniejsze, czyli ROZWIĄZANIEM, które realnie odpowiada na pytanie „jak nie zwariować w gąszczu formalności?
Wyobraź sobie, że te wszystkie wyżej opisane problemy i wiele innych z nimi związanych można zamknąć w zaledwie 2 punktach:

1. Analiza wstępna Twojej sprawy, która trwa do 3 dni i wykonujemy ją BEZPŁATNIE.
2. Precyzyjny WNIOSEK do banku, który nie pozostawia żadnych wątpliwości i wylicza wszystkie niezbędne dokumenty do prowadzenia sprawy. Bank ma do 30 dni na odpowiedź, czyli wydanie kompletu.

Co więcej,  wiemy, że kilku  naszym klientom którzy dodatkowo dzwonili do banku udało się przyspieszyć odpowiedź i dokumenty otrzymali w ciągu 2 tygodni. Czyli istnieją również przesłanki pokazujące, że banki też potrafią zadziałać sprawnie jeśli otrzymają precyzyjne zlecenie. Podsumowując, w każdej chwili możesz uwolnić się od silnego stresu związanego z przygotowywaniem dokumentacji i jednocześnie zaoszczędzić sporo cennego czasu. Wystarczy, że do nas zadzwonisz i pozwolisz sobie pomóc. Z naszym wsparciem ten etap przebiegnie sprawnie i możliwie najkrócej.

Co dalej ?

Z chwilą skompletowania dokumentacji nie ma przeszkód by uruchomić  POSTĘPOWANIE REKLAMACYJNE. W skrócie można to określić jako pismo, w którym należy zwrócić się do banku o usunięcie zapisów stanowiących klauzule abuzywne, zwrot nadpłaty powstałej w wyniku ich stosowania oraz modyfikację umowy. Natomiast w praktyce to bardzo precyzyjna ocena postanowień znajdujących się w umowie pod względem ich abuzywności oraz skrupulatne wyliczenie roszczenia. Nasi prawnicy przygotowują pełną reklamację w ciągu kilku do kilkunastu dni. Natomiast bank, zgodnie z ustawą ma do 30 dni na odpowiedź.

Tutaj kolejna ciekawostka…w sprawie Prezesa odpowiedź otrzymaliśmy bardzo szybko. Pismo zostało wysłane 19 dnia miesiąca, natomiast 30 dnia tego samego miesiąca już otrzymaliśmy informację z banku. Oczywiście taką jak większość frankowiczów uzyskuje, czyli …negatywną. Teoretycznie nie można spodziewać się innej odpowiedzi, jednak mimo to w praktyce nie można pominąć tego kroku w całym postępowaniu.

Tak naprawdę to dopiero początek…

Jeszcze kilka miesięcy temu automatycznym kolejnym krokiem był proces mediacyjny przed Rzecznikiem Finansowym. Pisaliśmy o tym w artykule „4 kroki frankowiczów w drodze do odzyskania pieniędzy”, ponieważ wnosi konkretną wartość w całym procesie i trwał ok 3 miesiące. Jednak DZISIAJ zdarza się, że w postępowaniach odradzamy wykonanie tego kroku.   Tego rodzaju uzasadniony ruch pomaga przyspieszyć cały proces, ponieważ liczba zgłoszonych do Rzecznika Finansowego spraw wzrosła do tego stopnia, że rozpatrzenie może trwać nawet kilkanaście miesięcy. Już w kolejnym odcinku PERYPETII FRANKOWICZÓW przybliżymy szczegóły tego etapu i wyjaśnimy kiedy warto rozpocząć mediację lub dlaczego można pominąć. Natomiast na tą chwilę i …

na zakończenie chcemy zwrócić Twoją UWAGĘ na fakt,
że CORAZ WIĘCEJ FRANKOWICZÓW walczy o swoje pieniądze i WYGRYWA.
Ty też możesz w każdej chwili uruchomić SKUTECZNE działania.
Wystarczy, że do nas zadzwonisz pod numer 885 800 824

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Prawnicy Frankowiczów

DYLEMATY FRANKOWICZÓW

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