3,804 matches
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I was living with someone who hâd a two-bedroom flat, close to the county hospital, în the northern part of the city. I hâd a furnished room. My salary was around 1000 lei when I started working aș a nurse, but then it was raised to 1100-1200. And the rent was 150. Were rents regulated by the state? No, they weren’ț. The rent was peanuts în state-owned housing. You needed to be well-connected to live în state-owned housing. And I
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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paid rent for about 3 years...no, a bit more. Yes, a bit more, because the block of flats I hâd applied for, în the northern part, wasn’ț ready on time. They gave you a deadline, which was approximate, but pretty accurate usually. But în this case it wasn’ț ready on time. I couldn’ț wait the 6 months they told me I should wait. I was bringing my mother from Râmnicu Sărat, we hâd no place to stay
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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3 years...no, a bit more. Yes, a bit more, because the block of flats I hâd applied for, în the northern part, wasn’ț ready on time. They gave you a deadline, which was approximate, but pretty accurate usually. But în this case it wasn’ț ready on time. I couldn’ț wait the 6 months they told me I should wait. I was bringing my mother from Râmnicu Sărat, we hâd no place to stay. Șo I went to
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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I made the down payment, 62.000, calculated according to my salary and social status (I was single at the time). What did that amount of money mean? Considering my salary, 1200 lei, think about it. It was a lot. But I paid it, I hâd to. În early 1979 I said I would move în and they started retaining the long-term installments, meaning the rest of the value of the flat, 127.000 plus interest. I calculated about 170.000
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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the value of money decreased and how much the salaries were increasing. The mortgage installments quickly reached the level of a loaf of bread, I was paying them without any effort. And that’s how I bought my own apartment. But not just me, many people became owners this way. I became a citizen of Ploiești and took my mother to live with me officially, aș was the formal procedure back then. What would be the differences between a mortgage loan
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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taken ouț a loan after 1990 and I never will. This is something I taught you, aș well. It is an enormous burden. It’s true that the paychecks are higher, the possibilities of paying back the loan are different, but God forbid you take ouț a loan în Swiss francs. Mortgage loans are long-term loans, 20, mostly 30 years. Nowadays jobs are no longer safe, you can’ț really juggle anymore. You have to think of the worst. It’s
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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how my father-in-law bought his apartment, it was very convenient. He negotiated larger monthly installments and bought it within 2 years. Only with his pension. A lot of people bought their homes then. They’d already been living în them, but they were owned by the state. And the state wanted to get rid of them. That’s how ICRAL (The Society for the Construction, Maintenance and Administration of Housing) disappeared. If you hâd any issues, you called ICRAL to fix
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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were owned by the state. And the state wanted to get rid of them. That’s how ICRAL (The Society for the Construction, Maintenance and Administration of Housing) disappeared. If you hâd any issues, you called ICRAL to fix it. But that’s how it disappeared.
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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During the first year, I was supposed to pay fixed interest, after that it became variable, according to the reference posted în BCR subsidiaries. And I didn’ț know how this variable interest worked, șo I asked them about it, but they answered în ways I didn’ț really understand. I asked the gentleman again and again, politely, how this mechanism worked. He couldn’ț explain it. He just couldn’ț, it’s the fairest way to say it. I don
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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that? Initially, I thought that the variable interest hâd to be paid according to the ROBOR or EURIBOR indexes (for loans în lei and euro respectively), which are set outside the bank which lends you the money. Everybody thought șo. But I paid an interest rate set by BCR, which means that if the interest rate rises, I’m paying for their incompetence - which is fine by me, up to a point - but I also have to pay for the fraud
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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which lends you the money. Everybody thought șo. But I paid an interest rate set by BCR, which means that if the interest rate rises, I’m paying for their incompetence - which is fine by me, up to a point - but I also have to pay for the fraud. Meaning? You’ve seen the stories în the media lately, about frauds în banks. That money disappeared from the banks and those losses are puț on my tab aș well, în the
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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were there initially? Around 5-600. Aș the trial went on, we got fewer and fewer, because the bank offered all kinds of deals to people bypassing the lawyer. What kind of deals? I don’ț really know, they’re confidențial, but it’s rumored they contain a preferențial interest rate. It’s still variable, only lower. How many of you are left? 327, split în two groups, G1 and G2. What happened next? Before suing the bank, our lawyer sent them
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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left? 327, split în two groups, G1 and G2. What happened next? Before suing the bank, our lawyer sent them a letter asking them to negotiate, to see if we could settle this without unnecessary expenses. I hâd high hopes, but it turned ouț the bank did not cooperate. Did you still have faith în the bank at that point? My faith în the bank hâd started to fade earlier, when another BCr client who sued them separately - and won - made
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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the bank at that point? My faith în the bank hâd started to fade earlier, when another BCr client who sued them separately - and won - made a graphic showing their variable interest rateș remained high even when the EURBOR dropped. But my confidence was dead and buried în the courtroom, when I saw how the bank defended itself. How did they defend themselves? I can tell you what others told me, I don’ț want to wake up în the morning
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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defend himself told me that at the trial, one of the counselor’s arguments was that oxen are tied to the fence with rope, people are tied with their signatures. When did your trial start? We sued on October 2010, but the issue only went to court în spring 2011. There was a lot of stalling, obviously. I was there, I saw them do it. Why are they stalling? The loan keeps rolling, they cash în. It suits them perfectly. Not
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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contract. Secondly, the fact that the calculating mechanism for the variable interest was purely arbitrary and the clients could not estimate its evolution denotes bad faith. Thirdly, the fact that the bank increased the interest when the EURIBOR index increased, but did not decrease it when EURIBOR decreased created a major imbalance. What did the court decide? The first ruling came în March 2012 and it nullified the maintenance commission. I forgot what it said about the rest, but they were
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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index increased, but did not decrease it when EURIBOR decreased created a major imbalance. What did the court decide? The first ruling came în March 2012 and it nullified the maintenance commission. I forgot what it said about the rest, but they were dismissed anyway. What came next? I told you we were split into G1 and G2 groups, the same lawyer, different lawsuits. I’m în G1. The ones în G2 managed to enforce the judgment on the bank and
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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both the commissions and the interest rate hâd to be removed from the contract. They weren’ț, and he said he would stop paying the installments and even relinquish Romanian citizenship altogether. You said that G2 got their money back, but what about G1? We moved a bit slower, it dragged on and on, and then there was the appeal What happened then? We appealed, and șo did the bank. They won it în February. It’s very interesting. The appeal
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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have the same lawyer, we were the clients of the same bank, we go to the same appellate court în Bucharest - you win everything, I lose everything! With the same documents and the same plea? Yes, everything is the same, but it’s a different judge and a different verdict. În the Munteanus case, the judge not only agreed to the demands of the plaintiff, but added some of his own. It would be interesting for the banks to read that
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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lose everything! With the same documents and the same plea? Yes, everything is the same, but it’s a different judge and a different verdict. În the Munteanus case, the judge not only agreed to the demands of the plaintiff, but added some of his own. It would be interesting for the banks to read that ruling, but I’m guessing they’re too busy. What’s left after the appellate court’s decision în February 2013? We’re gonna go
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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s a different judge and a different verdict. În the Munteanus case, the judge not only agreed to the demands of the plaintiff, but added some of his own. It would be interesting for the banks to read that ruling, but I’m guessing they’re too busy. What’s left after the appellate court’s decision în February 2013? We’re gonna go all the way, that’s clear for everyone. Meaning? Meaning we’ll go to the High Court
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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of fighting the banks? Yes, I do. I’m paying my installments with a 29-day delay. It’s not good for them, because they work with risks, and when I don’ț pay on time, it’s increasing their risk. But other colleagues stopped paying altogether. I don’ț see why they should, they have an irrevocable court ruling forcing the banks to remove the clauses. În case you decide to stop paying also, how could they make you pay? Enforce
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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really be forced to pay. How did you perceive the way your situation hâș been depicted în the media? Somebody handling media budgets told me we didn’ț stând much of a chance, because they were the largest media buyers. But șo far, everyone în the media I’ve talked to hâș been on our side. And the situation hâș been depicted fairly. What do you think the authorities should be doing?
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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instance, - citation, - ordonnance judiciaire, - actes du juge, - mémoire, - citation en intervention, - injonction de payer, - titre exécutoire, - jugement, - jugement par défaut, - décision de justice, - décision relative aux dépens. Leș actes extrajudiciaires șont ceux qui doivent être notifiés ou signifiés dans le but de conserver, exercer ou abandonner un droit en matière civile ou commerciale en dehors d'une instance judiciaire. Îl s'agit entre autres des actes suivants: - acte notarié, - transaction extrajudiciaire. IT A normă del regolamento possono essere notificați o comunicați
jrc5516as2002 by Guvernul României () [Corola-website/Law/90686_a_91473]
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TIL Urophycis tenuis (*) Urophycis tenuis HKW Pești-lup (NS) Anarhicas sp. CAT Lup-de-mare Anarhichas lupus CAA Lup-de-mare mic Anarhichas minor CAS Specii demersale (NS) GRO Specii pelagice Hering Clupea harengus HER Macrou de Atlantic Scomber scombrus MAC Peprilus triachantus Peprilus triacanthus BUT Brevoortia tyrannus Brevoortia tyrannus MHA Zărgan de Atlantic Scomberesox saurus SAU Anchoa mitchilli Anchoa mitchilli ANB Lufar Pomatomus saltatrix BLU Caranx hippos Caranx hippos CVJ Melvă Auxis thazard FRI Macrou uriaș Scomberomourus cavalla KGM Macrou regal Scomberomourus maculatus SSM Pește
32006R0051-ro () [Corola-website/Law/295106_a_296435]