Financiación de coches

Si financiaste la compra de tu vehículo con cualquier banco o financiera a más de 60 meses, hay una alta probabilidad de que estés pagando intereses abusivos y nulos de pleno derecho tal y como lo están decretando los juzgados y Audiencias Provinciales de España.

Una vez se declare nulo su préstamo, la financiera tendría que devolverle todo el dinero pagado en concepto de intereses en la financiación de coches.

Si has financiado tu coche, es muy probable de que seas víctima de usura.

¿Cómo funcionan los contratos de financiación de coches?

El funcionamiento de este servicio que ofrecen algunas entidades financieras como Santander, la Caixa, o Cetelem, entre muchas otras, es bastante sencillo. Si el consumidor quiere comprar un coche por un valor de 15.000€, pero no dispone del dinero, el banco se lo presta. Por parte del cliente, este deberá devolver el dinero que le han prestado, más una cantidad determinada de intereses. La mayoría de veces el banco te presta 15.000€, y el cliente debe devolver unos 28.000€, es decir, casi el doble. El hecho de que haya que devolver casi el doble de lo que te prestaron, puede ser un indicio de que tu contrato de financiación contiene intereses abusivos.

¿Puedo reclamar mi financiación del coche con un interés superior al 8%?

Si la TAE está por encima del 8%, es probable que pueda existir usura, no obstante, deberá tenerse en cuenta la fecha en la que se formalizó el contrato para poder afirmar la existencia de intereses abusivos

¿Cómo recuperar los intereses abusivos de la financiación de coches?

Desde Abogados Legalsha podemos ayudarte a reclamar el dinero que te están cobrando de más en concepto de intereses usurarios. Para ello, realizamos a nuestros clientes un estudio gratuito, en el que nuestro asesores jurídicos expertos en la materia, analizarán el contrato para determinar si existen en el intereses abusivos, así como la cantidad de dinero que se puede recuperar.

9 + 1 =

reclamar tarjeta cofidis

Dirección

Av. de las Nieves, 37
Portal 2, 1º D, 28935 

Móstoles, Madrid

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