{"id":1152,"date":"2025-07-15T13:57:41","date_gmt":"2025-07-15T17:57:41","guid":{"rendered":"https:\/\/www.dtvaldivia.cl\/?p=1152"},"modified":"2025-07-15T13:58:16","modified_gmt":"2025-07-15T17:58:16","slug":"comienza-implementacion-de-acuerdo-compensatorio-con-mundo-credito-y-sernac","status":"publish","type":"post","link":"https:\/\/www.dtvaldivia.cl\/index.php\/2025\/07\/15\/comienza-implementacion-de-acuerdo-compensatorio-con-mundo-credito-y-sernac\/","title":{"rendered":"COMIENZA IMPLEMENTACI\u00d3N DE ACUERDO COMPENSATORIO CON MUNDO CR\u00c9DITO Y SERNAC"},"content":{"rendered":"\n<p class=\"has-large-font-size wp-block-paragraph\"><strong>COMIENZA IMPLEMENTACI\u00d3N DE ACUERDO COMPENSATORIO CON MUNDO CR\u00c9DITO<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u25cf\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<strong>La acci\u00f3n surgi\u00f3 tras detectar cobros indebidos relacionados con los llamados \u201cgastos de administraci\u00f3n de garant\u00eda\u201d en contratos crediticios, para el financiamiento de un veh\u00edculo automotriz, con garant\u00eda prendaria sin desplazamiento.<\/strong><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u25cf\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<strong>La compensaci\u00f3n incluye la restituci\u00f3n del 100% del monto cobrado por concepto de \u00abgastos de administraci\u00f3n garant\u00eda\u00bb, restituci\u00f3n de intereses devengados, y compensaciones.<\/strong><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u25cf\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<strong>La empresa realizar\u00e1 los pagos de manera autom\u00e1tica mediante transferencia bancaria.<\/strong><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En junio de 2024, el Servicio Nacional del Consumidor (SERNAC)\u00a0inici\u00f3 un Procedimiento Voluntario Colectivo (PVC) con la empresa Servicios Financieros Mundo Cr\u00e9dito SpA\u00a0tras detectar cobros indebidos relacionados con los llamados \u201cgastos de administraci\u00f3n de garant\u00eda\u201d en contratos de cr\u00e9dito automotriz. Estos cargos no se justificaban y afectaban directamente los derechos de las y los consumidores.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gracias a esta gesti\u00f3n, el Servicio logr\u00f3 un acuerdo compensatorio que beneficiar\u00e1 a todos aquellos clientes que hayan suscrito un contrato con Mundo Cr\u00e9dito entre el 1 de febrero de 2023 y el 31 de mayo de 2024, incluyendo toda operaci\u00f3n de financiamiento, refinanciamiento, renegociaci\u00f3n o novaci\u00f3n de un cr\u00e9dito automotriz, y que se le haya cobrado el gasto se\u00f1alado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a><\/a>Actualmente, este acuerdo se encuentra en etapa de implementaci\u00f3n, por lo que los pagos se realizar\u00e1n durante los pr\u00f3ximos meses a los beneficiarios del mismo.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><a><\/a><strong>\u00bfQu\u00e9 incluye el acuerdo?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a><\/a>\u25cf&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Restituir el 100% del monto cobrado por concepto de \u00abgastos de administraci\u00f3n garant\u00eda\u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a><\/a>\u25cf&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Restituir intereses devengados y que correspondan a la proporci\u00f3n que \u00e9stos ocupan en el cargo de \u00abgesti\u00f3n de administraci\u00f3n de garant\u00eda\u00bb sobre el monto bruto del cr\u00e9dito. A lo anterior adiciona, el monto equivalente de un mes y medio de intereses aplicados en la misma proporci\u00f3n del capital se\u00f1alado, y correspondiente a la comisi\u00f3n de prepago.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a><\/a>\u25cf&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Entregar una compensaci\u00f3n integrada por la tasa de inter\u00e9s corriente para montos no reajustables, aplicada a la proporci\u00f3n de las cuotas devengadas entre determinadas fechas.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><a><\/a><strong>\u00bfC\u00f3mo se realizar\u00e1n los pagos?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a><\/a>\u25cf&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;La empresa realizar\u00e1 los pagos de manera autom\u00e1tica mediante transferencia bancaria, utilizando los datos de contacto disponibles o dando al consumidor la opci\u00f3n de actualizar los datos entregados en su oportunidad. En los casos en que ello no sea posible, se contactar\u00e1 directamente a los consumidores para coordinar una v\u00eda alternativa de pago.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a><\/a>\u25cf&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;En caso de que ninguna de las opciones anteriores se pueda concretar, se realizar\u00e1 una transferencia en cuenta Rut Banco Estado del cliente. Vale vista bancaria nominativo, a favor del consumidor beneficiario, en caso de que ninguno de los m\u00e9todos anteriores prospere.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a><\/a>Por \u00faltimo, es importante se\u00f1alar que todas las acciones comprometidas por Mundo Cr\u00e9dito ser\u00e1n auditadas por una empresa auditora externa registrada ante la Comisi\u00f3n para el Mercado Financiero (CMF).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a><\/a>En caso de querer mayor informaci\u00f3n sobre el mercado financiero, SERNAC cuenta con un&nbsp;<a href=\"https:\/\/www.sernac.cl\/portal\/604\/w3-propertyvalue-66843.html\" target=\"_blank\" rel=\"noreferrer noopener\">especial<\/a>&nbsp;en su sitio web con el detalle de los derechos de las y los consumidores en esta materia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>COMIENZA IMPLEMENTACI\u00d3N DE ACUERDO COMPENSATORIO CON MUNDO CR\u00c9DITO \u25cf\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0La acci\u00f3n surgi\u00f3 tras detectar cobros indebidos relacionados con los llamados \u201cgastos de administraci\u00f3n de garant\u00eda\u201d en contratos crediticios, para el financiamiento&hellip;<\/p>\n","protected":false},"author":2,"featured_media":1153,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_themeisle_gutenberg_block_has_review":false,"_joinchat":[],"footnotes":""},"categories":[3,16,11,2],"tags":[],"class_list":["post-1152","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad","category-denunciaciudadana","category-economia","category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - 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