Superpréstamos Prendarios: Una Trampa Financiera Peligrosa
Un análisis en profundidad de los superpréstamos prendarios, que se utilizan comúnmente para financiar la compra de vehículos. A pesar de su aparente conveniencia, estos préstamos pueden llevar a graves problemas financieros y legales, como la pérdida del hogar debido a juicios no notificados. Se incluyen testimonios de personas afectadas y asesoramiento legal para evitar estas situaciones.
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00:00I can buy vehicles by getting a super loan.
00:02Cars, motorbikes, utility trucks, buses, passengers.
00:06Loan financing, fixed quota and in pesos.
00:10In these times where things are increasing a lot,
00:12people come to me because they can't pay these loans.
00:16How are you? Sorry to bother you. How are you, ma'am?
00:19I'm in a hurry because I'm going to the dentist.
00:20Really?
00:21Yes.
00:21Pay him because if you don't pay the dentist,
00:24and he can make a judgment on you, maybe you'll lose the house.
00:27Okay.
00:29I'm warning you.
00:30Would you believe that, out of duty, a little bit of a car
00:33can make you lose the house?
00:35I'm a lawyer, so...
00:37Fair, fair. Even if you paid.
00:40No, well, if you paid, no.
00:42All judicial resolutions have to have a common sense.
00:44It has to be a reasoned and derived criticism of the law in force.
00:51That's spectacular. Thank you very much, doctor. Very kind.
00:53Bye.
00:54Team, what is a loan for?
00:58It's for you to change the car or have your first zero-kilometer.
01:01Many operations have been closed,
01:03and many of those operations have been through credit.
01:08Would it be logical for a car to get you out of a house?
01:11Totally illogical for me.
01:13Illogical?
01:14Totally illogical.
01:15No more words, Mr. Judge.
01:16If you owe half of this car and you pay what you consider,
01:20and they make a judgment on you,
01:22do you think you can lose the house now or is it unfeasible?
01:24No, no, no.
01:25Are you a taxi driver or should you be a judge?
01:27I'm not a taxi driver.
01:28Good, but you should be a judge.
01:29Why?
01:30I know why I'm telling you.
01:31Look at this note.
01:34We are in the capital area with Alicia.
01:36What you are going to hear now is something incredible,
01:39because a car ended up being worth a house,
01:43or a house ends up being worth a car.
01:46More or less, that's how the story begins.
01:48Tell me what happened.
01:49What happened was that I had bought a car in a savings plan.
01:53I struggled a bit with the bills,
01:55it was difficult to get the receipts to pay,
01:58and well, I accumulated some.
02:00The only option I had left was to cancel the entire plan.
02:04We calculated the interests,
02:06well, I help an accountant because I don't know anything about that.
02:08All the interests, the expenses,
02:11everything that was equivalent to what I owed.
02:14Under the legal law.
02:15Exactly.
02:16So, I deposited it in Banco Nación.
02:19What year was this?
02:20In the year 2014, March.
02:22We are talking about 10 years ago.
02:2510 years ago, the registry notified my creditor, Chevrolet,
02:30and time passes, the deadline, they don't respond in time and shape,
02:34so the registry itself, because it has the authority to do so,
02:38lifts my garment and gives me the issue for canceled.
02:42Do you have that paper?
02:43Yes, I have it, I have it.
02:44In fact, it was presented in the trial as well.
02:46Through the payment I made,
02:48informed through the registry to Chevrolet,
02:51Chevrolet had at its disposal the payment I made.
02:54It had to answer if it agreed or not,
02:56or if before its silence it was going to be approved.
02:58Yes.
02:59Which is what happened.
03:00And?
03:01And then...
03:02That's it then?
03:03No.
03:04No problem?
03:05No case?
03:06Hopefully.
03:07Or not, Alicia?
03:08Hopefully.
03:09But no.
03:10I found out years later, in August of that same year,
03:12they started a trial of garment execution.
03:14And why did you find out years later?
03:16Because they never notified me at my home,
03:18which is in the contract,
03:20which is the one that is loaded and soon to be executed.
03:24It is loaded and soon to be executed.
03:27You paid the plan, the entire plan,
03:31you canceled it and they gave you the paper in the registry,
03:34they started a trial, you didn't find out,
03:36and now you know you have a house loaded for how many millions of pesos?
03:41Forty million pesos.
03:43Forty million pesos.
03:45And a little more, more costs, more expenses.
03:49And...
03:50You have a lawyer, he appealed, he didn't appeal.
03:52Yes, he appealed twice on camera.
03:54And what did the camera say?
03:55The camera said that like the original amount that Chevrolet claimed,
03:58which was 36,617 pesos.
04:01That is, from 36,000 pesos to 40 million.
04:04Be careful, that was the total of what they considered,
04:07because it was an omission case that I had already paid.
04:10The same concepts, the same amount of quotas.
04:13Yes, yes, yes, yes, yes.
04:14That is, from 36,000 pesos we went to 40 million.
04:17Of course, spending the time was useful for something.
04:19They charged what you paid,
04:21you don't have the money,
04:23the car is already ten years old, or more.
04:26It's from 2011, so it's almost, it's going to turn 15.
04:30The car is 15 years old
04:32and you have a house loaded for 40 million pesos.
04:36Exactly, more costs, more expenses.
04:38Well, I propose the following, go to court
04:41to see if this situation can be reviewed
04:44and see how we can move forward,
04:46because you are now with a house loaded
04:49and if you can't lift the load, that house will be auctioned off.
04:52Obviously.
04:53Let's see what the end is, come on.
04:59Ma'am, to demand justice.
05:02Yes, justice.
05:03Justice.
05:0540 million pesos.
05:06In this neighborhood, there is no justice.
05:08In this neighborhood, there is no justice.
05:26Hello, good morning.
05:27Good morning.
05:28How are you?
05:29Fine, fine.
05:31Do you want to talk to the secretary?
05:34We are already in court, I don't know if you noticed.
05:37Judge Germán Paez Castaneda.
05:41First instance national judge in commercial number 21.
05:46Is your father a judge?
05:47No.
05:48Ah.
05:49He's a friend of mine.
05:50The judge?
05:51Tell him we're here.
05:52He's working, he's coming out now.
05:53Yes, yes, he's coming out.
05:54It's a very good time, right?
05:55Let's hope so.
05:59We came to offer you the right to reply, okay?
06:02If you say we're not going to talk, I'm leaving and you're not going to talk.
06:05And then the people will vote through the comment or the testimony.
06:09I can't talk.
06:10I can't talk.
06:11That's why.
06:12No, no.
06:13Listen to me, listen to me.
06:14I am the secretary.
06:15The decision is firm.
06:18You supposedly deposited in an account that was not the premium savings account.
06:23Supposedly.
06:24How do you feel about everything Chevrolet says?
06:26I'm not scared.
06:27No, because Chevrolet itself presented the annexes of the cancellation procedure.
06:32You want to question the procedure.
06:35The procedure is that ...
06:36No, I don't question the procedure.
06:37I question the common sense.
06:38How would you feel if you were to finish the house?
06:43How would you feel?
06:44How would you feel?
06:45Like, like all people who ...
06:47How would you feel?
06:48Like all people who are going to finish a house.
06:50The judge.
06:51The judge.
06:52To dictate justice.
06:53Yes, justice.
06:54Justice.
06:55Do you think it's fair?
06:56No, because in this file ...
06:58Do you think it's fair?
06:59In this file, yes.
07:00Do you think it's fair?
07:01In this file, yes.
07:02To us, to us, with the elements that the lady has, unfortunately, it does not seem fair.
07:12You are telling me a political manifestation.
07:16No, how political?
07:17But political.
07:18A human manifestation, not political.
07:21Human.
07:22Human.
07:23The lady can lose the house for a few dollars.
07:25For a car.
07:26For a car.
07:27For a car.
07:28Because she paid.