Publicado el: Mar, ene 31st, 2017

Empresa que presta a 365% de interés está operando ilegalmente en el país

image_content_7805096_20170130175813Aprovechando el auge de la internet, los bajos salarios que no alcanzan para completar los gastos del mes y la poca cultura financiera del pueblo dominicano, llegó a la República Dominicana una empresa que ofrece préstamos online usando como gancho un 0% de interés a 30 días para el primer préstamo.

Teniendo bien claro, que en el país una gran parte de las personas que toma prestado no espera terminar de pagar para “reengancharse”, producto de la misma necesidad, es que la empresa Vivus.com.do ofrece el primer préstamo a cambio de “nada”, con la seguridad de que en el segundo contrato se ganaría hasta el 50% más que lo que gana un prestamista que presta al módico 20%. Pero además de que la empresa Vivus.com.do ofrece préstamos a 365% de interés anual, también cobra una tasa de 475% por concepto de moras y RD$75 por cada cuota realizada luego de un acuerdo de pago producto de incumplimiento en la fecha para pagar, la empresa que se promociona por internet está operando de manera ilegal porque su contrato de adhesión fue objetado por el Instituto Nacional de Protección de los Derechos del Consumidor (ProConsumidor).

Además de la empresa Vivus, ProConsumidor confirmó que también hay otra empresa similar a Vivus que ofrece sus servicios por internet y que tiene cláusulas consideradas abusivas en contra de los consumidores.

De acuerdo con los datos de la página ibanonline.com.do, por un préstamo de RD$100,000, un cliente pagaría honorarios por un monto de RD$68,846 en un plazo no mayor de un año.

En el caso de iBAN circulan testimonios de personas que han tomado préstamos de emergencia para rápida cancelación y, al hacerlo, se han encontrado con que deben pagar el interés de 5% mensual por el año entero más cargos adicionales, aunque el contrato no especifica recargo por cancelación anticipada. En ese sentido, un préstamo de RD$80,000 o RD$90,000 a una tasa de interés de 5% mensual puede tener un costo final de hasta RD$200,000 al sumar, además de los intereses, cargos no aclarados.

La transparencia en la información es uno de los mayores problemas de este tipo de plataforma.

Es por esta razón que ladirectora ejecutiva de ProConsumidor, Anina del Castillo, llama a los consumidores a tener mucho cuidado con cuáles empresas firman contratos para obtener préstamos.

Sobre Vivus.com.do, Del Castillo dijo que “la dinámica que ellos tienen prevista en el contrato, contrato de adhesión que no está registrado en ProConsumidor y que, por el contrario, ProConsumidor no solamente lo objetó por todas sus cláusulas ser contrarias a la Ley de Protección del Consumidor, sino que también mediante una resolución multamos a la empresa y le impedimos que tenga operaciones”.

image_content_7805880_20170130175814

Anina del Castillo, directora de ProConsumidor.

Del Castillo sostuvo que esa empresa está operando en franca violación a la Ley 358-05, razón por la cual esa institución remitió el expediente a la Procuraduría General de la República para que proceda con las acciones penales correspodientes.

Por una llamada a la empresa Vivus, se constató que sigue operando, que el primer préstamo no excede de RD$6,000 y que los demás son hasta RD$15,000.

La funcionaria manifestó que el año pasado, la empresa Vivus.com.do presentó a ProConsumidor lo que sería su contrato de adhesión, pero que una vez esa entidad lo estudió, llegó a la conclusión de que todas sus cláusulas o eran abusivas o no daban información suficiente.

“En el mes de diciembre (2016) fue cuando establecimos que había violado la Ley de ProConsumidor y, por tanto, le poníamos una multa de 100 salarios mínimos”, expresó DelCastillo, al referir que no todavía no la han pagado.

La directora de ProConsumidor, entidad que estudió el contrato de adhesión, expresó que el mismo no ofrece datos suficientes de que es una “aceleración” que se establece en su documento, el cual implica unas cargas adicionales y, además, contemplan la capitalización de los intereses devengados.

“O sea que si una persona se dilata un año, le siguen capitalizando los intereses sin ningún tipo de tope”, precisó.

Del Castillo dijo que se trata de uno de los proyectos de préstamos más onerosos que probablemente existan. “Ellos alegan que trabajan en 16 países, y la verdad es que hemos tenido evidencia de que trabajan en otros países, en algunos de los cuales ya tienen demandas colectivas por la falta de información”, destacó la funcionaria.

Banco Central
De acuerdo con una carta a la cual Diario Libre tuvo acceso, el Departamento de Sistemas de Pagos del Banco Central, dirigido por Fabiola Herrera, requirió información a ProConsumidor sobre el estatus de Vivus, indicando que ese tipo de plataforma de crédito está probada en diferentes países.

Sobre El Autor

- Estudiante de término de Comunicación Social

sonomaster publicidad abajo
72 Comentarios
Danos tu opinión
  1. Hi there to every single one, it’s genuinely a good for me to pay a quick
    visit this web page, it includes priceless Information.

  2. I will immediately snatch your rss as I can’t to find your email subscription link or
    e-newsletter service. Do you have any? Please allow me understand in order that I could
    subscribe. Thanks.

  3. Howdy, I do think your web site could be having web browser compatibility issues.
    Whenever I take a look at your website in Safari, it looks fine however, when opening in I.E., it’s got
    some overlapping issues. I simply wanted to give you a quick heads
    up! Besides that, fantastic website!

  4. Greetings! I’ve been following your weblog for
    a long time now and finally got the courage to go ahead
    and give you a shout out from Humble Texas!
    Just wanted to mention keep up the fantastic work!

  5. Normally I do not read article on blogs, however I would like to say that this
    write-up very pressured me to take a look at and do so!
    Your writing style has been surprised me. Thanks,
    quite great article.

  6. It is the best time to make some plans for the future and it’s
    time to be happy. I have read this post and if I could I
    want to suggest you some interesting things or suggestions.

    Maybe you could write next articles referring to this article.
    I desire to read more things about it!

  7. I am curious to find out what blog system you happen to be working with?
    I’m experiencing some minor security issues with my
    latest site and I’d like to find something more safeguarded.
    Do you have any solutions?

  8. forex forum dice:

    We are a bunch of volunteers and opening a brand new scheme in our community.

    Your site provided us with valuable information to work on. You have done an impressive process and our entire community will be grateful to
    you.

  9. forex forum dice:

    Fantastic beat ! I wish to apprentice even as you amend your web site, how could i subscribe
    for a blog website? The account helped me a appropriate deal.
    I were tiny bit acquainted of this your broadcast offered brilliant clear idea

  10. Terrific article! That is the type of info that are meant to be shared
    across the internet. Disgrace on the search engines for not positioning this put up upper!
    Come on over and discuss with my website . Thanks =)

  11. Hi there! This post could not be written any better!

    Reading through this post reminds me of my good old room mate!
    He always kept talking about this. I will forward this write-up to him.
    Pretty sure he will have a good read. Thank you for sharing!

  12. Good way of describing, and pleasant post to take
    information on the topic of my presentation topic, which i am going to present in school.

  13. I was able to find good information from your blog articles.

  14. continuously i used to read smaller articles which as well clear their motive,
    and that is also happening with this piece of writing which I am reading here.

  15. Theo dice:

    What’s up friends, good article and good urging commented here, I am in fact enjoying
    by these.

  16. I have read so many articles on the topic of the blogger lovers except this post is genuinely a fastidious article, keep
    it up.

  17. Thanks , I have just been looking for info about this subject for ages and yours is the best I have discovered till now.
    But, what in regards to the conclusion? Are you certain in regards to the supply?

  18. Teresa dice:

    I’m not that much of a online reader to be honest but your blogs really nice, keep it up!
    I’ll go ahead and bookmark your website to come back later.
    All the best

  19. What’s up Dear, are you genuinely visiting this website on a regular basis, if so
    after that you will without doubt obtain good
    know-how.

  20. Eddy dice:

    If some one needs to be updated with most up-to-date technologies then he must be pay a quick visit this
    web page and be up to date everyday.

  21. Thank you for another informative site. Where else may just I am getting
    that type of info written in such an ideal manner?
    I’ve a project that I’m just now working on, and I’ve been on the look out for such info.

  22. Tragaperras dice:

    It’s the best time to make a few plans for the long run and it is time
    to be happy. I’ve learn this publish and if I may just I wish to recommend you
    some fascinating issues or advice. Maybe you can write subsequent articles referring to this article.
    I want to learn more issues about it!

  23. I hardly leave comments, but i did some searching and wound up here Empresa que presta a 365% de interés está operando ilegalmente en el país
    – El PoderEl Poder. And I actually do have a couple of questions for you if it’s
    allright. Could it be just me or does it give the impression like
    a few of these comments appear like they are written by brain dead people?
    😛 And, if you are writing at other sites, I’d like to keep up with anything fresh you have
    to post. Could you make a list of every one of all your public sites like your twitter feed, Facebook page or
    linkedin profile?

  24. spiel gazino dice:

    Do you have a spam problem on this blog; I also am a blogger, and
    I was wanting to know your situation; we have
    created some nice procedures and we are looking to trade
    techniques with others, why not shoot me an email if interested.

  25. Fabulous, what a website it is! This weblog gives helpful information to us, keep it up.

  26. giochi dice:

    I all the time used to study piece of writing in news papers but now as I am a user of
    web thus from now I am using net for articles, thanks to web.

  27. We’re a group of volunteers and opening a brand new scheme in our community.
    Your site provided us with useful information to work on. You
    have done a formidable activity and our whole community
    shall be thankful to you.

  28. Hi there, its pleasant post on the topic of
    media print, we all understand media is a fantastic
    source of information.

  29. Wow that was strange. I just wrote an extremely long comment but after I
    clicked submit my comment didn’t show up. Grrrr…
    well I’m not writing all that over again. Anyhow, just wanted to say wonderful blog!

  30. 우리넷 dice:

    It’s enormous that you are getting thoughts from this piece
    of writing as well as from our argument made at this place.

  31. You need to be a part of a contest for one of the highest quality
    websites online. I most certainly will highly recommend this blog!

  32. Thanks in favor of sharing such a good thought, article is nice, thats why i have read it fully

  33. I was very pleased to discover this great site.
    I need to to thank you for ones time for this fantastic read!!
    I definitely savored every bit of it and i also have you saved as a favorite to check out
    new things in your web site.

  34. Online Slots dice:

    Thank you, I’ve just been searching for information about this subject for a long time and yours is the best I have
    found out so far. However, what about the conclusion? Are you positive concerning the supply?

  35. Great beat ! I wish to apprentice while you
    amend your web site, how can i subscribe for a blog website?
    The account aided me a acceptable deal. I had been a little bit acquainted of this your broadcast provided bright clear
    idea

  36. Hello, I enjoy reading all of your post. I like to write a little
    comment to support you.

  37. Alphonso dice:

    Heya i am for the primary time here. I found this board and I find It truly helpful & it helped me out much.
    I’m hoping to present one thing back and help others such as you aided me.

  38. Thanks for sharing such a good opinion, paragraph is good, thats why i have read it completely

  39. Great web site you’ve got here.. It’s hard to find quality writing like yours nowadays.
    I really appreciate individuals like you! Take care!!

  40. porn dice:

    When someone writes an post he/she retains the thought of
    a user in his/her mind that how a user can understand it. Therefore
    that’s why this piece of writing is outstdanding.

    Thanks!

  41. lasertest dice:

    I am regular reader, how are you everybody? This piece of writing posted at this website is actually nice.

  42. pj malaysia dice:

    First of all I would like to say wonderful blog!
    I had a quick question that I’d like to ask if you
    don’t mind. I was curious to find out how you center yourself
    and clear your head before writing. I have had a difficult time
    clearing my mind in getting my thoughts out. I truly do enjoy writing however it just seems like the first 10 to 15 minutes are generally wasted simply just trying to
    figure out how to begin. Any recommendations or tips?
    Kudos!

  43. Hello there, I found your website by means of Google
    while looking for a similar topic, your site got here up, it appears great.
    I’ve bookmarked it in my google bookmarks.
    Hi there, simply become aware of your blog through Google, and
    located that it is really informative. I am gonna be careful
    for brussels. I’ll appreciate in case you proceed this in future.
    Many people can be benefited from your writing. Cheers!

  44. pj malaysia dice:

    I love your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for
    you? Plz reply as I’m looking to design my own blog
    and would like to find out where u got this from.
    thanks a lot

  45. I constantly spent my half an hour tto rezd this weeb site’s conyent
    daily along with a mmug of coffee.

  46. http://www.baocaosu4men.com/
    Bao Cao Su 4 men chuyên cung cấp các sản phẩm bao cao su gai, gân, bi, râu, siêu
    mỏng, hương trái cây, durex, sagami. Giá rẻ
    nhất thị trường Hà Nội

  47. Hey I know this is off topic but I was wondering if you knew of any widgets I could
    add to my blog that automatically tweet my newest twitter updates.
    I’ve been looking for a plug-in like this for quite some time and was hoping
    maybe you would have some experience with
    something like this. Please let me know if you run into anything.
    I truly enjoy reading your blog and I look forward to your new updates.

  48. freedom apk dice:

    whoah this weblog is excellent i really like reading your articles.
    Stay up the good work! You know, lots of individuals are searching round for this information, you could help them greatly.

  49. Perfect Model Porn. Teen Girls Sex Tube. onlyindianporn.net
    Hardcore Teen Sex Tubes. Message Sex Clips. http://Www.free Sex Videos.com.

  50. Hello there! I could have sworn I’ve been to this blog before but after browsing through some of the articles I realized it’s
    new to me. Anyhow, I’m certainly happy I discovered it and I’ll
    be bookmarking it and checking back frequently!

  51. It’s an remarkable paragraph in support of all the online viewers;
    they will get benefit from it I am sure.

  52. 美元保险 dice:

    The tragic irony is that today it is African people, the victims,
    who are keeping to this religion which was forcefully imposed upon our children during slavery, alive-are its ardent followers.

  53. 香港SEO dice:

    Love (not mine), It was quite easy to figure out
    what your girlfriend looked like, nice looking lady.

  54. cerita panas dice:

    It is in point of fact a nice and useful piece of information. I am
    happy that you shared this helpful info with us.
    Please keep us up to date like this. Thanks for sharing.

  55. m88 dice:

    This web site truly has all the information and
    facts I needed about this subject and didn’t know who to ask.

  56. First off I would like to say superb blog! I had a
    quick question in which I’d like to ask if you don’t mind.

    I was interested to know how you center yourself and clear your head prior to writing.
    I have had a difficult time clearing my thoughts in getting my thoughts out there.

    I truly do take pleasure in writing however it just
    seems like the first 10 to 15 minutes are generally wasted just trying to figure out
    how to begin. Any ideas or hints? Thank you!

  57. bokep online dice:

    each time i used to read smaller articles or reviews that also clear their motive,
    and that is also happening with this paragraph which
    I am reading at this place.

  58. cerita hot dice:

    It’s going to be finish of mine day, however before
    ending I am reading this wonderful piece of writing to improve my know-how.

  59. you’re in reality a just right webmaster. The site loading pace is incredible.
    It sort of feels that you’re doing any unique trick.
    Moreover, The contents are masterpiece. you have done a
    magnificent task on this subject!

  60. Hi there! I’m at work browsing your blog from my
    new iphone 4! Just wanted to say I love reading your blog and look forward to all your posts!
    Keep up the fantastic work!

  61. video bokep dice:

    If you are going for best contents like I do, only visit this web
    site everyday for the reason that it gives feature contents, thanks

  62. I am not sure where you are getting your information, but great topic.
    I needs to spend some time learning much more or understanding more.
    Thanks for fantastic info I was looking for this info for my mission.

  63. hey there and thank you for your infomation – I’ve certainly
    picked up something new from right here. I did however expertise some technicall
    issues using this site, aas I experienced to reload the site lots of times previous to I could get it to load properly.
    I had been wondering if your web hosting is OK? Not that I’m complaining, butt slow loading instances
    times will very frequently affect your placement in google and could damage your high-quality
    score if ads aand marketing with Adwords. Anyway I am adding this RSS
    too my email and ccan look out for much more of your respective
    intriguing content. Maake sure you update this again very soon.

  64. Undeniably imagine that which you stated. Your favorite
    justification appeared to be on the web the easiest
    factor to be mindful of. I say to you, I definitely get
    annoyed while folks think about issues that they just do not know about.
    You managed to hit the nail upon the top and also defined out the whole thing with no need side-effects , other people could take
    a signal. Will probably be again to get more. Thanks

  65. titan gel dice:

    Hello would you mind letting me know which webhost you’re using?

    I’ve loaded your blog in 3 different web browsers and I must say this blog loads a lot quicker
    then most. Can you suggest a good web hosting provider at a honest price?
    Kudos, I appreciate it!

  66. Thank you for sharing your thoughts. I truly appreciate your efforts and I
    am waiting for your next post thanks once again.

  67. Hilton dice:

    This blog was… how ddo you say it? Relevant!! Finalloy I
    have found something which helped me. Thanks a lot!

  68. Article writing is also a excitement, if you know then you can write otherwise it is complicated to
    write.

  69. Hello, i believe that i saw you visited my weblog thus i
    got here to go back the choose?.I’m attempting to in finding issues to improve my website!I guess its adequate to make use of some
    of your ideas!!

  70. cerita sex dice:

    Fantastic site. A lot of useful information here. I’m sending it to a few buddies ans additionally sharing in delicious.
    And certainly, thanks to your sweat!

  71. With havin so much written content do you ever
    run into any problems of plagorism or copyright infringement?
    My blog has a lot of completely unique content I’ve either
    written myself or outsourced but it seems a lot of it is popping it up all over the web without
    my permission. Do you know any methods to help stop content from being ripped off?
    I’d really appreciate it.

  72. bokep online dice:

    Hi there! This post couldn’t be written any better!
    Looking through this article reminds me of my previous roommate!

    He constantly kept talking about this. I am going to forward this post
    to him. Fairly certain he’ll have a great read. Thanks
    for sharing!

Interactúa con tu comentario

Elpoder.com.do No acepta comentarios inmorales, difamatorios, degradantes, ofensivos e injuriosos por respeto a nuestros colaboradores
y lectores. Respetamos la diversidad de raza, simpatía política, religiosa, orientación sexual u otra índole que atente la moral de las personas.
Trabajamos con objetividad y criterio de responsabilidad, respetando la libertad de expresión de nuestros lectores, apegados al libre acceso
a la información pública.