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NOTICIA: ¿Sabes qué forma de comunicación tienes pactada con tu banco? - Nieves Mateos Asesores

Hace no mucho tiempo, la forma en la que el banco se comunicaba con sus clientes era principalmente el correo postal. De hecho, todos hemos tenido la sensación en algún momento de que el Banco era el único que nos escribía.

Con la popularización de las nuevas tecnologías esta situación ha cambiado, y quizás muchos no seamos conscientes de la vía de comunicación que le consta a nuestra entidad para comunicarse con nosotros.

Si nuestro contrato con la entidad es antiguo, muy probablemente el original sólo recogerá el correo postal como vía de comunicación. Si la realidad es que no estamos recibiendo ya cartas postales del banco, es muy probable que el cambio nos lo comunicasen en algún momento, quizás junto con otras características o modificaciones que hicieron que este tema nos pasara desapercibido.

Por otro lado, en los nuevos contratos ya se contemplan casi siempre los medios electrónicos como vía de comunicación: mensaje de texto, SMS, correo electrónico, comunicaciones a través de la Banca online

Revisar regularmente los mensajes recibidos de nuestro banco tiene gran importancia, porque en el caso de los contratos de duración indefinida, las entidades pueden modificar las condiciones aplicables comunicándolo con al menos dos meses de antelación, y si no manifestamos nuestra disconformidad en ese plazo, se entiende que aceptamos el cambio.

Dicha comunicación debe hacerse de forma personalizada en papel u otro soporte duradero (como puede ser un soporte telemático) que permita su conservación y reproducción sin cambio. En el caso de que dicha comunicación se realice a través de buzones de la banca online, las entidades financieras deben acreditar que dieron a conocer a su cliente la existencia y disponibilidad de la información relativa a la modificación contractual de la cuenta en la banca online, algo que harán mediante el envío previo de un correo electrónico a la dirección del cliente, o bien de un SMS a su número de móvil, para avisarle de que tiene dicha información a su disposición en el buzón de correo.

Para tener un buen control de tus finanzas, presta atención a estos mensajes.

FUENTE: https://clientebancario.bde.es/pcb/es/blog/sabes-que-forma-de-comunicacion-tienes-pactada-con-tu-banco-.html

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