{"id":268,"date":"2015-03-06T18:18:43","date_gmt":"2015-03-06T18:18:43","guid":{"rendered":"https:\/\/multiseguros.es\/?p=268"},"modified":"2015-03-06T18:18:43","modified_gmt":"2015-03-06T18:18:43","slug":"el-defensor-del-pueblo-avanza-en-su-expediente-sobre-practicas-bancarias-en-venta-de-seguros-2","status":"publish","type":"post","link":"https:\/\/multiseguros.es\/?p=268","title":{"rendered":"El Defensor del Pueblo avanza en su expediente sobre pr\u00e1cticas bancarias en venta de seguros"},"content":{"rendered":"<h4 class=\"noticia_copete\">El Defensor del Pueblo se ha dirigido al Consejo General de Colegios de Mediadores de Seguros de Espa\u00f1a para informarle sobre los avances del expediente, abierto a instancias de la reclamaci\u00f3n realizada por la instituci\u00f3n colegial, en relaci\u00f3n a las pr\u00e1cticas de la banca en la intermediaci\u00f3n de seguros. El Consejo General recuerda que su reivindicaci\u00f3n se centraba en el establecimiento de restricciones a la pr\u00e1ctica bancaria de imponer la contrataci\u00f3n de seguros vinculados a los pr\u00e9stamos hipotecarios.<\/h4>\n<p>&nbsp;<\/p>\n<p>Esta Directiva proh\u00edbe las<span style=\"text-decoration: underline;\"><em><b> \u201cpr\u00e1cticas de venta vinculada\u201d<\/b><\/em><\/span>, entendiendo por tales toda oferta o venta de un paquete constituido por un contrato de cr\u00e9dito y otros productos o servicios financieros diferenciados, cuando el contrato de cr\u00e9dito no se ofrezca al consumidor por separado.Sin embargo, s\u00ed permite las <b>\u201cpr\u00e1cticas de venta combinada\u201d<\/b>, considerando como tal toda oferta o venta de un paquete constituido por un contrato de cr\u00e9dito y otros productos o servicios financieros diferenciados, cuando el contrato de cr\u00e9dito se ofrezca tambi\u00e9n al consumidor por separado, aunque no necesariamente en los mismos t\u00e9rminos y condiciones que combinado con otros servicios auxiliares.<\/p>\n<p>&nbsp;<\/p>\n<p>Fuente: <a href=\"http:\/\/www.inese.es\/noticias\/mediacion\/detalle_noticia_mediacion\/-\/asset_publisher\/Fzl6\/content\/el-defensor-del-pueblo-avanza-en-su-expediente-sobre-practicas-bancarias-en-venta-de-seguros\">Inese<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Defensor del Pueblo se ha dirigido al Consejo General de Colegios de Mediadores de Seguros de Espa\u00f1a para informarle sobre los avances del expediente, abierto a instancias de la reclamaci\u00f3n realizada por la instituci\u00f3n colegial, en relaci\u00f3n a las pr\u00e1cticas de la banca en la intermediaci\u00f3n de seguros. El Consejo General recuerda que su [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"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":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","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":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-268","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/multiseguros.es\/index.php?rest_route=\/wp\/v2\/posts\/268","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multiseguros.es\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multiseguros.es\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multiseguros.es\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/multiseguros.es\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=268"}],"version-history":[{"count":5,"href":"https:\/\/multiseguros.es\/index.php?rest_route=\/wp\/v2\/posts\/268\/revisions"}],"predecessor-version":[{"id":273,"href":"https:\/\/multiseguros.es\/index.php?rest_route=\/wp\/v2\/posts\/268\/revisions\/273"}],"wp:attachment":[{"href":"https:\/\/multiseguros.es\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multiseguros.es\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multiseguros.es\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}