{"id":39983,"date":"2025-04-23T09:00:00","date_gmt":"2025-04-23T07:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=39983"},"modified":"2025-03-19T19:33:10","modified_gmt":"2025-03-19T18:33:10","slug":"small-print-business","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/small-print-business\/","title":{"rendered":"The &#8216;small print&#8217; business"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>La \u2018lletra petita\u2019 de qualsevol relaci\u00f3 contractual sovint passa desapercebuda per al consumidor a l\u2019hora de contractar un servei o adquirir un producte. Un fet que algunes empreses aprofiten per introduir cl\u00e0usules amb pactes abusius. La llei diu que els contractes han d\u2019estar escrits de manera clara i comprensible, per\u00f2, aix\u00ed i tot, les trampes de la \u2018lletra petita\u2019 es repeteixen. Per qu\u00e8? Jordi Coll, agent d\u201911Onze, ens en fa cinc c\u00e8ntims.<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Si parlem de mides, <\/span><b>la \u2018lletra petita\u2019 ja no existeix, almenys en refer\u00e8ncia a la contractaci\u00f3 de serveis<\/b><span style=\"font-weight: 400\">. Des de l\u20191 juny d\u2019aquest any la llei obliga a bancs, asseguradores i a qualsevol altra empresa de serveis, a redactar els contractes que ofereixen als consumidors amb car\u00e0cters d\u2019una mida m\u00ednima de 2,5 mil\u00b7l\u00edmetres.<\/span><\/p>\n<p><span style=\"font-weight: 400\">La nova normativa pret\u00e9n <\/span><b>evitar els perjudicis causats a clients a conseq\u00fc\u00e8ncia de la il\u00b7legibilitat dels contractes<\/b><span style=\"font-weight: 400\">, impossibles o m\u00e9s dif\u00edcils de llegir a causa de la lletra petita. L\u2019esc\u00e0ndol de les participacions preferents i les obligacions subordinades que van afectar especialment a part de la poblaci\u00f3 m\u00e9s vulnerable, com la gent gran, va posar de manifest la urgent necessitat de reformar la normativa.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Com explica Coll, \u201c<\/span><b>sovint les empreses utilitzen la lletra petita amb contractes que no s\u00f3n negociables, i amb la finalitat que arribin a passar desapercebuts pels consumidors<\/b><span style=\"font-weight: 400\">\u201d, i continua, \u201cfins i tot es far servir per introduir cl\u00e0usules amb pactes abusius\u201d.<\/span><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"component gallery\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-lg-10 offset-lg-1\">\n        <div id=\"slider\" class=\"carousel slide\">\n          <div class=\"carousel-inner\">\n            <div class=\"carousel-item active video-player inline-player\" data-video-id=\"6309984647112\">\n              <img decoding=\"async\" class=\"d-block w-100\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/08\/THUMBNAIL_JORDI_COLL_TOPIC_15.jpg\" alt=\"\">\n              <button type=\"button\" class=\"play\"><\/button>\n              <div class=\"carousel-caption\">\n                <p>La lletra petita o menuda, engany gegant\u00ed<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div><div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>La mida no ho \u00e9s tot<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Canviar\u00e0 alguna cosa aquesta nova normativa? L\u2019anterior llei ja marcava una mida m\u00ednima de la lletra petita, aix\u00ed com demanava claredat i transpar\u00e8ncia en els contractes. Per\u00f2 <\/span><b>tot i les sent\u00e8ncies judicials favorables als clients, condemnant a les empreses implicades, els abusos es repetien.<\/b><span style=\"font-weight: 400\"> Per qu\u00e8? Perqu\u00e8 \u00e9s un bon negoci. El percentatge de clients afectats que es queixen \u00e9s \u00ednfim, per tant, at\u00e8s que els beneficis s\u00f3n considerables, surt a compte pagar les multes, sancions i judicis sense canviar res.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Tot i que; com apunta Coll, \u201c<\/span><b>la normativa vigent permet que el consumidor soliciti la no aplicaci\u00f3 d\u2019aquestes cl\u00e0usules quan no s\u2019hagin redactat amb l\u2019adequada claredat i transpar\u00e8ncia<\/b><span style=\"font-weight: 400\">, o b\u00e9 es declari la seva nul\u00b7litat quan s\u00f3n abusives\u201d, les males pr\u00e0ctiques no s\u2019han eliminat.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">L\u2019excusa de les entitats banc\u00e0ries, per justificar-se, quan se\u2019ls demanen explicacions pels contractes abusius de targetes de cr\u00e8dit o productes bancaris com les preferents, \u00e9s <\/span><b>passar la pilota al client, dient que havia d\u2019haver llegit el contracte<\/b><span style=\"font-weight: 400\">. Realment, la grand\u00e0ria de la lletra marcar\u00e0 la difer\u00e8ncia? O \u00e9s la redacci\u00f3 de les cl\u00e0usules i la integritat \u00e8tica de les entitats el que tamb\u00e9 s\u2019hauria d\u2019adre\u00e7ar?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>11Onze \u00e9s la fintech comunit\u00e0ria de Catalunya. Obre un compte descarregant la super app El Canut per <\/b><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.e11onze.app&amp;utm_source=emailing&amp;utm_campaign=CANUT+launch\" target=\"_blank\" rel=\"noopener\"><b>Android<\/b><\/a><b> o <\/b><a href=\"https:\/\/apps.apple.com\/us\/app\/11onze\/id1566129237?utm_campaign=El+Canut\" target=\"_blank\" rel=\"noopener\"><b>iOS<\/b><\/a><b>. 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