{"id":1401,"date":"2025-06-19T07:19:54","date_gmt":"2025-06-19T05:19:54","guid":{"rendered":"https:\/\/atriabogados.com\/?p=1401"},"modified":"2025-07-03T08:41:25","modified_gmt":"2025-07-03T06:41:25","slug":"deudas-y-listas-de-morosos","status":"publish","type":"post","link":"https:\/\/atriabogados.com\/val\/deudas-y-listas-de-morosos\/","title":{"rendered":"Deutes i llistes de morosos"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Com diria el poeta rom\u00e0 Publio Siro &#039;&#039;<em>Per a l&#039;home honrat els deutes s\u00f3n una esclavitud amarga<\/em>&nbsp;&#039;&#039; i \u00e9s que, des que existeixen els diners, existeixen els deutors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El temor que sempre ha provocat contractar certs deutors professionals va motivar la creaci\u00f3 des de fa molt de temps enrere, dels coneguts fitxers d&#039;informaci\u00f3 sobre solv\u00e8ncia patrimonial o cr\u00e8dit, tamb\u00e9 coneguts com les llistes de morosos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tot i el que es pogu\u00e9s pensar, a causa d&#039;una aplicaci\u00f3 indeguda d&#039;aquests fitxers, no \u00e9s tan dif\u00edcil estar-ne en un, n&#039;hi ha prou que no pagu\u00e9ssim per error una factura telef\u00f2nica o que qualsevol empresa hagi com\u00e8s un error i ens hagi incl\u00f2s en una de les llistes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquestes llistes de morosos, com&nbsp;<a href=\"http:\/\/www.asnef.com\/\" target=\"_blank\" rel=\"noopener\">ASNEF<\/a>,&nbsp;<a href=\"http:\/\/www.bde.es\/clientebanca\/cirbe\/cirbe.htm\" target=\"_blank\" rel=\"noopener\">CIRB<\/a>&nbsp;o&nbsp;<a href=\"https:\/\/www.ficherorai.com\/raiWeb\/login.aspx?ReturnUrl=%2fraiweb%2fDefault.aspx\" target=\"_blank\" rel=\"noopener\">RAI<\/a>, poden ser consultades amb facilitat per una gran varietat d&#039;empreses amb l&#039;objectiu de con\u00e8ixer si som bons pagadors. Probablement i malauradament, m\u00e9s d&#039;un h\u00e0gim descobert la nostra inclusi\u00f3 en una d&#039;aquestes llistes en sol\u00b7licitar un pr\u00e9stec. Si ho desconeixem, podrem informar-nos de forma general a qualsevol banc, i de forma m\u00e9s concreta, dirigint-nos directament als fitxers en q\u00fcesti\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Doncs b\u00e9, eliminar el nostre nom d&#039;aquesta llista negra, sigui el nostre deute degut o indegut, no \u00e9s impossible. Per aix\u00f2 hem de saber que:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1r. El deute ens ha d&#039;haver estat&nbsp;<strong>requerida de forma fefaent<\/strong>, \u00e9s a dir, cal provar que realment rebem o vam poder rebre aquesta comunicaci\u00f3 (per exemple, mitjan\u00e7ant correu certificat, burofax\u2026), per la qual cosa no ser\u00e0 v\u00e0lid el requeriment fet mitjan\u00e7ant trucades telef\u00f2niques o per correu ordinari.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2n. El&nbsp;<strong>termini m\u00e0xim<\/strong>&nbsp;per estar en una d&#039;aquestes llistes \u00e9s de&nbsp;<strong>6 anys<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3r. La&nbsp;<strong>inclusi\u00f3<\/strong>&nbsp;de les nostres dades en un d&#039;aquests fitxers, ens ha de ser&nbsp;<strong>comunicada<\/strong>&nbsp;de forma efica\u00e7 i immediata, \u00e9s a dir, RAI, ASNEF, o qualsevol altra llista de morosos, ha d&#039;informar-nos, tamb\u00e9 de forma fefaent, de la nostra inclusi\u00f3 a la base de dades.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4t.&nbsp;<strong>El deute ha de ser cert, determinat i exigible<\/strong>, \u00e9s a dir, que sigui real i aix\u00ed es pugui acreditar, per exemple mitjan\u00e7ant un contracte, factures, rebuts, etc.; que sigui una quantia concreta (no s\u00f3n v\u00e0lides al\u00b7lusions abstractes com \u00abha de factura de tel\u00e8fon\u00bb) i que no estigui prescrita.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un cop incomplert algun d&#039;aquests requisits podrem exigir la cancel\u00b7laci\u00f3 de les nostres dades en un determinat fitxer per vulneraci\u00f3 de la Llei Org\u00e0nica de Protecci\u00f3 de Dades. El fitxer en q\u00fcesti\u00f3 i l&#039;empresa que va ordenar la nostra inclusi\u00f3 podran ser sancionades i fins i tot, en el cas que a causa d&#039;aquesta incorrecta inclusi\u00f3 en algun dels fitxers d&#039;informaci\u00f3 de solv\u00e8ncia patrimonial i cr\u00e8dit, un banc ens denegu\u00e9s un cr\u00e8dit per atendre despeses urgents, amb les greus conseq\u00fc\u00e8ncies que aix\u00f2 suposa, sempre podr\u00edem acudir, entre d&#039;altres opcions, a la via judicial originats.<\/p>","protected":false},"excerpt":{"rendered":"<p>Como dir\u00eda el poeta romano Publio Siro \u2018\u2018Para el hombre honrado las deudas son una amarga esclavitud&nbsp;\u2019\u2019 y es que, desde que existe el dinero, existen los deudores. El temor que siempre ha provocado contratar con ciertos deudores profesionales motiv\u00f3 la creaci\u00f3n desde hace mucho tiempo atr\u00e1s, de los conocidos ficheros de informaci\u00f3n sobre solvencia [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1402,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[12],"tags":[],"class_list":["post-1401","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias"],"_links":{"self":[{"href":"https:\/\/atriabogados.com\/val\/wp-json\/wp\/v2\/posts\/1401","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/atriabogados.com\/val\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/atriabogados.com\/val\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/atriabogados.com\/val\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/atriabogados.com\/val\/wp-json\/wp\/v2\/comments?post=1401"}],"version-history":[{"count":1,"href":"https:\/\/atriabogados.com\/val\/wp-json\/wp\/v2\/posts\/1401\/revisions"}],"predecessor-version":[{"id":1403,"href":"https:\/\/atriabogados.com\/val\/wp-json\/wp\/v2\/posts\/1401\/revisions\/1403"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/atriabogados.com\/val\/wp-json\/wp\/v2\/media\/1402"}],"wp:attachment":[{"href":"https:\/\/atriabogados.com\/val\/wp-json\/wp\/v2\/media?parent=1401"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/atriabogados.com\/val\/wp-json\/wp\/v2\/categories?post=1401"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/atriabogados.com\/val\/wp-json\/wp\/v2\/tags?post=1401"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}