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(2) n situaciile n care informarea consumatorului cu privire la cesiune este obligatorie, conform prevederilor alin. (1), cesiunea, individual sau n cadrul unui portofoliu de creance, devine opozabil consumatorului prin notificarea adresat acestuia de ctre cedent. 6Q6Q ,G  $               Cesiunea creancelor din contracte de credit revolving sau linie de credit., |Garanciile aferente se constituie ca regul pentru creancele viitoare provenite din contractul de credit, a cror sum, n limita plafonului, va fi stabilit la data fiecrei trageri/utilizri a liniei Sumele rambursate de debitor din creditul revolving sting datoria fac de banca creditoare iar pentru sumele remprumutate se na_te o nou creanc a creditorului fac de acela_i debitor, din acela_i contract, garantat cu acelea_i garancii Interpretri diferite cedentul _i rezerv beneficiul garanciei pentru viitoare creance garantate, nscute n baza aceluia_i contract de credit, n limita plafonului stabilit - cedentul _i cesionarul sunt creditori garantaci de acela_i rang, sumele eventual obcinute din executarea garanciilor fiind distribuibile proporcional ntre ace_tia; sau prin efectul cesiunii se transmit definitiv _i complet garanciile  cesionarul devine creditor garantat, cedentul este creditor chirografar pentru creancele viitoaren+ : u rSubrogacia convencional, novacia _i cesiunea de contract :Subrogacia convencional nu este necesar acordul debitorului, nu este necesar (dar este uzual) notificarea acestuia trebuie s se produc concomitent cu plata (art.1107 Cod civil) Novacia obligacia inicial se stinge _i se transform ntr-o nou obligacie, care concine un element nou fac de vechea obligacie doctrina consider necesar acordul debitorului din contractul inicial Cesiunea convencional de contract creacie a practicii, se realizeaz un transfer de pozicie contractual presupune existenca unor obligacii rmase de executat ale cedentului _i necesit acordul cocontractantului (creditorul obligaciilor transferate) cesionar autorizat s desf_oare activitci de creditare reglementare n noul noul Cod Civil ZZZZ$Z6ZZ$448F\Riscurile neefecturii formalitcilor de publicitate sau ale nendeplinirii unor condicii pentru transferiCesiunea cu privire la care nu au fost efectuate formalitcile de publicitate nu este opozabil tercilor, incluznd debitorul cedat, creditorii cedentului _i alci creditori ai acestuia Jurisprudenc: debitorul nu poate opune lipsa notificrii cesiunii dect atunci cnd are interes, de regul artnd c de la cesiune a pltit sau a intervenit un alt mod de stingere a obligaciei sale fac de cedent Lipsa formalitcilor de publicitate cu privire la cesiune mpiedica executarea silit de ctre cesionar, iar cedentul nu mai are calitate de creditor Respingerea declaraciei de creanc - Art. 64. - (1) din Legea insolvencei nr. 85/2006:  Cu excepcia salariacilor ale cror creance vor fi nregistrate de administratorul judiciar conform evidencelor contabile, toci ceilalci creditori, ale cror creance sunt anterioare datei de deschidere a procedurii, vor depune cererea de admitere a creancelor n termenul fixat n sentinca de deschidere a procedurii Transferul garanciilor n situacia cesiunii creancelor din contracte revolving P  B     Y&$           F Aspecte particulare n situacia transferului creancelor dup deschiderea procedurii de insolvenc b Calitatea procesual activ se verific la momentul depunerii declaraciei de creanc, creancele trebuie conservate prin depunerea declaraciei n termen de ctre creditorul inicial Transmisiunea creancelor nscrise n tabel prin mecanismul cesiunii de creanc sau al subrogaciei prin plat apare posibil, fiind de regul suficient notificarea administratorului/lichidatorului judiciar Operaciunile de transfer care implic consimcmntul debitorului - novacia sau cesiunea de contract - pot fi diferit interpretate de administratorul/lichidatorul judiciar: acte ncheiate sau nu n  condiciile activitcii curente Cesionarul preia creanca cu accesoriile aferente, substituindu-se n pozicia _i calitatea cedentului ze\dgR Legea aplicabil transferului de creance) Regulamentul (CE) 593/2008 privind legea aplicabil obligaciilor contractuale (Roma I) - Articolul 14 Cesiunea de crean i subrogaia convenional Raporturile dintre cedent i cesionar sau dintre creditor i subrogat cu privire la o crean fa de un ter ("debitor") n cadrul unei cesiuni de crean sau al unei subrogaii convenionale sunt reglementate de legea care se aplic contractului dintre cedent i cesionar, respectiv dintre creditor i subrogat. Legea care reglementeaz creana cedat sau cu privire la care a avut loc subrogaia determin caracterul cesionabil al acesteia, raporturile dintre cesionar i debitor, condiiile n care cesiunea sau subrogaia i este opozabil debitorului, precum i caracterul liberator al prestaiei executate de ctre debitor. Noiunea de cesiune include transferurile de creane pure i simple, transferurile de creane cu titlu de garanie, precum i gajul sau alte drepturi de garanie constituite asupra creanelor.X8'["Z                               4Mandatul fr reprezentare > Convencie privind servicii de administrare a creditului ulterior transferului Acordarea unor drepturi de reprezentare n legtur cu prestarea de servicii administrative n relacia cu debitorul, n baza unui contract de mandat, respectiv prestri servicii, n limitele _i n condiciile permise de actele constitutive Cesionarul este mandant, decintor al creancei _i beneficiar al sumelor reprezentnd plci efectuate de debitor Cedentul este mandatar fr reprezentare, care administreaz contractele de credit _i de garancie n nume propriu n relacia cu debitorii, dar pe contul cesionarului, n schimbul unui comision Acciunea n declararea simulaciei poate fi formulat separat sau n procedura insolvencei la data deschiderii procedurii cedentul/subrogantul face declaracia de creanc n calitate de creditor ceilalci creditori au interes _i pot introduce acciunea n declararea simulaciei, artnd c cedentul nu are calitate procesual (nu este titularul creancei) declaracia ulterioar a cesionarului, adevratul titular al creancei, poate fi considerat tardiv fac de dispoziciile art.64 si urmtoarele din Legea insolvencei nr. 85/2006, cu modificrile ulterioare. 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(2) n situaciile n care informarea consumatorului cu privire la cesiune este obligatorie, conform prevederilor alin. (1), cesiunea, individual sau n cadrul unui portofoliu de creance, devine opozabil consumatorului prin notificarea adresat acestuia de ctre cedent. 6Q6Q ,G  $               Cesiunea creancelor din contracte de credit revolving sau linie de credit., |Garanciile aferente se constituie ca regul pentru creancele viitoare provenite din contractul de credit, a cror sum, n limita plafonului, va fi stabilit la data fiecrei trageri/utilizri a liniei Sumele rambursate de debitor din creditul revolving sting datoria fac de banca creditoare iar pentru sumele remprumutate se na_te o nou creanc a creditorului fac de acela_i debitor, din acela_i contract, garantat cu acelea_i garancii Interpretri diferite cedentul _i rezerv beneficiul garanciei pentru viitoare creance garantate, nscute n baza aceluia_i contract de credit, n limita plafonului stabilit - cedentul _i cesionarul sunt creditori garantaci de acela_i rang, sumele eventual obcinute din executarea garanciilor fiind distribuibile proporcional ntre ace_tia; sau prin efectul cesiunii se transmit definitiv _i complet garanciile  cesionarul devine creditor garantat, cedentul este creditor chirografar pentru creancele viitoaren+ : u rSubrogacia convencional, novacia _i cesiunea de contract :Subrogacia convencional nu este necesar acordul debitorului, nu este necesar (dar este uzual) notificarea acestuia trebuie s se produc concomitent cu plata (art.1107 Cod civil) Novacia obligacia inicial se stinge _i se transform ntr-o nou obligacie, care concine un element nou fac de vechea obligacie doctrina consider necesar acordul debitorului din contractul inicial Cesiunea convencional de contract creacie a practicii, se realizeaz un transfer de pozicie contractual presupune existenca unor obligacii rmase de executat ale cedentului _i necesit acordul cocontractantului (creditorul obligaciilor transferate) cesionar autorizat s desf_oare activitci de creditare reglementare n noul noul Cod Civil ZZZZ$Z6ZZ$448F\Riscurile neefecturii formalitcilor de publicitate sau ale nendeplinirii unor condicii pentru transferiCesiunea cu privire la care nu au fost efectuate formalitcile de publicitate nu este opozabil tercilor, incluznd debitorul cedat, creditorii cedentului _i alci creditori ai acestuia Jurisprudenc: debitorul nu poate opune lipsa notificrii cesiunii dect atunci cnd are interes, de regul artnd c de la cesiune a pltit sau a intervenit un alt mod de stingere a obligaciei sale fac de cedent Lipsa formalitcilor de publicitate cu privire la cesiune mpiedica executarea silit de ctre cesionar, iar cedentul nu mai are calitate de creditor Respingerea declaraciei de creanc - Art. 64. - (1) din Legea insolvencei nr. 85/2006:  Cu excepcia salariacilor ale cror creance vor fi nregistrate de administratorul judiciar conform evidencelor contabile, toci ceilalci creditori, ale cror creance sunt anterioare datei de deschidere a procedurii, vor depune cererea de admitere a creancelor n termenul fixat n sentinca de deschidere a procedurii Transferul garanciilor n situacia cesiunii creancelor din contracte revolving P  B     Y&$           F Aspecte particulare n situacia transferului creancelor dup deschiderea procedurii de insolvenc b Calitatea procesual activ se verific la momentul depunerii declaraciei de creanc, creancele trebuie conservate prin depunerea declaraciei n termen de ctre creditorul inicial Transmisiunea creancelor nscrise n tabel prin mecanismul cesiunii de creanc sau al subrogaciei prin plat apare posibil, fiind de regul suficient notificarea administratorului/lichidatorului judiciar Operaciunile de transfer care implic consimcmntul debitorului - novacia sau cesiunea de contract - pot fi diferit interpretate de administratorul/lichidatorul judiciar: acte ncheiate sau nu n  condiciile activitcii curente Cesionarul preia creanca cu accesoriile aferente, substituindu-se n pozicia _i calitatea cedentului ze\dgR Legea aplicabil transferului de creance) Regulamentul (CE) 593/2008 privind legea aplicabil obligaciilor contractuale (Roma I) - Articolul 14 Cesiunea de crean i subrogaia convenional Raporturile dintre cedent i cesionar sau dintre creditor i subrogat cu privire la o crean fa de un ter ("debitor") n cadrul unei cesiuni de crean sau al unei subrogaii convenionale sunt reglementate de legea care se aplic contractului dintre cedent i cesionar, respectiv dintre creditor i subrogat. Legea care reglementeaz creana cedat sau cu privire la care a avut loc subrogaia determin caracterul cesionabil al acesteia, raporturile dintre cesionar i debitor, condiiile n care cesiunea sau subrogaia i este opozabil debitorului, precum i caracterul liberator al prestaiei executate de ctre debitor. Noiunea de cesiune include transferurile de creane pure i simple, transferurile de creane cu titlu de garanie, precum i gajul sau alte drepturi de garanie constituite asupra creanelor.X8'["Z                               4Mandatul fr reprezentare > Convencie privind servicii de administrare a creditului ulterior transferului Acordarea unor drepturi de reprezentare n legtur cu prestarea de servicii administrative n relacia cu debitorul, n baza unui contract de mandat, respectiv prestri servicii, n limitele _i n condiciile permise de actele constitutive Cesionarul este mandant, decintor al creancei _i beneficiar al sumelor reprezentnd plci efectuate de debitor Cedentul este mandatar fr reprezentare, care administreaz contractele de credit _i de garancie n nume propriu n relacia cu debitorii, dar pe contul cesionarului, n schimbul unui comision Acciunea n declararea simulaciei poate fi formulat separat sau n procedura insolvencei la data deschiderii procedurii cedentul/subrogantul face declaracia de creanc n calitate de creditor ceilalci creditori au interes _i pot introduce acciunea n declararea simulaciei, artnd c cedentul nu are calitate procesual (nu este titularul creancei) declaracia ulterioar a cesionarului, adevratul titular al creancei, poate fi considerat tardiv fac de dispoziciile art.64 si urmtoarele din Legea insolvencei nr. 85/2006, cu modificrile ulterioare. N"[N [  b<1   Concluzii <Pentru a asigura opozabilitatea cesiunii sau subrogaciei convencionale trebuie respectate condiciile de publicitate prevzute de legea romn, dup caz notificarea debitorului _i nscrierea n Arhiva Electronic Mai nainte de momentul inicierii formelor de executare silit sau al declarrii creancei n procedura insolvencei debitorului, cesionarul s fi efectuat formalitcile de publicitate, inclusiv cu privire la cesiunea garanciilor reale n registrele corespunztoare, astfel nct demersurile de recuperare a creancelor s fie n numele acestuia Serviciile de administrare a creditului agreate ntre cedent _i cesionar, inclusiv de exercitare a cilor legale de recuperare a creancelor ar trebui nsocite de un mandat care s legitimeze cedentul n procedurile de recuperare specifice hW  V mulcumesc! 4Date contact Elena Iacob Avocat Colaborator Senior E-mail: elena.iacob@zrp.ro Zamfirescu Racoci Predoiu Adres: Str. Jean Louis Calderon nr. 38, 020037 Bucure_ti, Sector 2,Romnia Telefon: (+40 21) 311 05 17 Fax: (+40 21) 311 05 19 E-mail: office@zrp.ro Website: www.zrp.ro QZ0ZZ $ &7&$E  H"   0  $ 0<N$  0  T$(  Tr T S l  `p   r T S m  0   H T 0޽h ? 3380___PPT10.A_ekrԘ-  Y1Qh(   r$el՜.+,D՜.+,4     On-screen Show Propaganda"lj ' ArialCalibri WingdingsTimes New RomanDefault DesignRecuperarea creanţelorCuprinsCesiunea de creanţăKCesiunea creanţelor din contracte de credit revolving sau linie de credit?Subrogaţia convenţională, novaţia şi cesiunea de contractoRiscurile neefectuării formalităţilor de publicitate sau ale neîndeplinirii unor condiţii pentru transferhAspecte particulare în situaţia transferului creanţelor după deschiderea procedurii de insolvenţă, Legea aplicabilă transferului de creanţeMandatul fără reprezentare ConcluziiVă mulţumesc!  Fonts UsedDesi la_i debitor, din acela_i contract, garantat cu acelea_i garancii Interpretri diferite cedentul _i rezerv beneficiul garanciei pentru viitoare creance garantate, nscute n baza aceluia_i contract de credit, n limita plafonului stabilit - cedentul _i cesionarul sunt creditori garantaci de acela_i rang, sumele eventual obcinute din executarea garanciilor fiind distribuibile proporcional ntre ace_tia; sau prin efectul cesiunii se transmit definitiv _i complet garanciile  cesionarul devine creditor garantat, cedentul este creditor chirografar pentru creancele viitoaren+ : u rSubrogacia convencional, novacia _i cesiunea de contract :Subrogacia convencional nu este necesar acordul debitorului, nu este necesar (dar este uzual) notificarea acestuia trebuie s se produc concomitent cu plata (art.1107 Cod civil) Novacia obligacia inicial se stinge _i se transform ntr-o nou obligacie, care concine un element nou fac de vechea obligacie doctrina consider necesar acordul debitorului din contractul inicial Cesiunea convencional de contract creacie a practicii, se realizeaz un transfer de pozicie contractual presupune existenca unor obligacii rmase de executat ale cedentului _i necesit acordul cocontractantului (creditorul obligaciilor transferate) cesionar autorizat s desf_oare activitci de creditare reglementare n noul noul Cod Civil ZZZZ$Z6ZZ$448F\Riscurile neefecturii formalitcilor de publicitate sau ale nendeplinirii unor condicii pentru transferiCesiunea cu privire la care nu au fost efectuate formalitcile de publicitate nu este opozabil tercilor, incluznd debitorul cedat, creditorii cedentului _i alci creditori ai acestuia Jurisprudenc: debitorul nu poate opune lipsa notificrii cesiunii dect atunci cnd are interes, de regul artnd c de la cesiune a pltit sau a intervenit un alt mod de stingere a obligaciei sale fac de cedent Lipsa formalitcilor de publicitate cu privire la cesiune mpiedica executarea silit de ctre cesionar, iar cedentul nu mai are calitate de creditor Respingerea declaraciei de creanc - Art. 64. - (1) din Legea insolvencei nr. 85/2006:  Cu excepcia salariacilor ale cror creance vor fi nregistrate de administratorul judiciar conform evidencelor contabile, toci ceilalci creditori, ale cror creance sunt anterioare datei de deschidere a procedurii, vor depune cererea de admitere a creancelor n termenul fixat n sentinca de deschidere a procedurii Transferul garanciilor n situacia cesiunii creancelor din contracte revolving P  B     Y&$           F Aspecte particulare n situacia transferului creancelor dup deschiderea procedurii de insolvenc b Calitatea procesual activ se verific la momentul depunerii declaraciei de creanc, creancele trebuie conservate prin depunerea declaraciei n termen de ctre creditorul inicial Transmisiunea creancelor nscrise n tabel prin mecanismul cesiunii de creanc sau al subrogaciei prin plat apare posibil, fiind de regul suficient notificarea administratorului/lichidatorului judiciar Operaciunile de transfer care implic consimcmntul debitorului - novacia sau cesiunea de contract - pot fi diferit interpretate de administratorul/lichidatorul judiciar: acte ncheiate sau nu n  condiciile activitcii curente Cesionarul preia creanca cu accesoriile aferente, substituindu-se n pozicia _i calitatea cedentului ze\dgR Legea aplicabil transferului de creance) Regulamentul (CE) 593/2008 privind legea aplicabil obligaciilor contractuale (Roma I) - Articolul 14 Cesiunea de crean i subrogaia convenional Raporturile dintre cedent i cesionar sau dintre creditor i subrogat cu privire la o crean fa de un ter ("debitor") n cadrul unei cesiuni de crean sau al unei subrogaii convenionale sunt reglementate de legea care se aplic contractului dintre cedent i cesionar, respectiv dintre creditor i subrogat. Legea care reglementeaz creana cedat sau cu privire la care a avut loc subrogaia determin caracterul cesionabil al acesteia, raporturile dintre cesionar i debitor, condiiile n care cesiunea sau subrogaia i este opozabil debitorului, precum i caracterul liberator al prestaiei executate de ctre debitor. Noiunea de cesiune include transferurile de creane pure i simple, transferurile de creane cu titlu de garanie, precum i gajul sau alte drepturi de garanie constituite asupra creanelor.X8'["Z                               4Mandatul fr reprezentare > Convencie privind servicii de administrare a creditului ulterior transferului Acordarea unor drepturi de reprezentare n legtur cu prestarea de servicii administrative n relacia cu debitorul, n baza unui contract de mandat, respectiv prestri servicii, n limitele _i n condiciile permise de actele constitutive Cesionarul este mandant, decintor al creancei _i beneficiar al sumelor reprezentnd plci efectuate de debitor Cedentul este mandatar fr reprezentare, care administreaz contractele de credit _i de garancie n nume propriu n relacia cu debitorii, dar pe contul cesionarului, n schimbul unui comision Acciunea n declararea simulaciei poate fi formulat separat sau n procedura insolvencei la data deschiderii procedurii cedentul/subrogantul face declaracia de creanc n calitate de creditor ceilalci creditori au interes _i pot introduce acciunea n declararea simulaciei, artnd c cedentul nu are calitate procesual (nu este titularul creancei) declaracia ulterioar a cesionarului, adevratul titular al creancei, poate fi considerat tardiv fac de dispoziciile art.64 si urmtoarele din Legea insolvencei nr. 85/2006, cu modificrile ulterioare. N"[N [  b<1   Concluzii <Pentru a asigura opozabilitatea cesiunii sau subrogaciei convencionale trebuie respectate condiciile de publicitate prevzute de legea romn, dup caz notificarea debitorului _i nscrierea n Arhiva Electronic Mai nainte de momentul inicierii formelor de executare silit sau al declarrii creancei n procedura insolvencei debitorului, cesionarul s fi efectuat formalitcile de publicitate, inclusiv cu privire la cesiunea garanciilor reale n registrele corespunztoare, astfel nct demersurile de recuperare a creancelor s fie n numele acestuia Serviciile de administrare a creditului agreate ntre cedent _i cesionar, inclusiv de exercitare a cilor legale de recuperare a creancelor ar trebui nsocite de un mandat care s legitimeze cedentul n procedurile de recuperare specifice hW  V mulcumesc! 4Date contact Elena Iacob Avocat Colaborator Senior E-mail: elena.iacob@zrp.ro Zamfirescu Racoci Predoiu Adres: Str. Jean Louis Calderon nr. 38, 020037 Bucure_ti, Sector 2,Romnia Telefon: (+40 21) 311 05 17 Fax: (+40 21) 311 05 19 E-mail: office@zrp.ro Website: www.zrp.ro QZ0ZZ $ &7&$E  H"   0  $ 0<Nr qk1Root EntrydO)