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{\info{\title Lettera da inviare alla banca per richiesta di rimborso di inte}{\author Paolo Guerriero}{\creatim\yr2004\mo12\dy6\hr14\min31}{\author Paolo Guerriero}{\revtim\yr2004\mo12\dy20\hr15\min14}{\printim\yr2004\mo12\dy20\hr14\min13}{\comment StarWriter}{\vern6800}}\deftab708
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\pard\plain \ltrpar\s2\qj{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\cbpat2\brdrt\brdrs\brdrw10\brdrcf1\brsp20\brdrl\brdrs\brdrw10\brdrcf1\brsp80\brdrb\brdrs\brdrw10\brdrcf1\brsp20\brdrr\brdrs\brdrw10\brdrcf1\brsp80{\*\brdrt\brdlncol1\brdlnin0\brdlnout10\brdlndist0}\brsp20{\*\brdrl\brdlncol1\brdlnin0\brdlnout10\brdlndist0}\brsp80{\*\brdrb\brdlncol1\brdlnin0\brdlnout10\brdlndist0}\brsp20{\*\brdrr\brdlncol1\brdlnin0\brdlnout10\brdlndist0}\brsp80\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\b\loch\f3\fs20\lang1040\b {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b Lettera da inviare alla banca per richiesta di rimborso di interessi anatocistici a seguito di  sentenza n.21095 del 4.11.2004 della Corte di Cassazione}
\par \pard\plain \ltrpar\s2\qj{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\cbpat2\brdrt\brdrs\brdrw10\brdrcf1\brsp20\brdrl\brdrs\brdrw10\brdrcf1\brsp80\brdrb\brdrs\brdrw10\brdrcf1\brsp20\brdrr\brdrs\brdrw10\brdrcf1\brsp80{\*\brdrt\brdlncol1\brdlnin0\brdlnout10\brdlndist0}\brsp20{\*\brdrl\brdlncol1\brdlnin0\brdlnout10\brdlndist0}\brsp80{\*\brdrb\brdlncol1\brdlnin0\brdlnout10\brdlndist0}\brsp20{\*\brdrr\brdlncol1\brdlnin0\brdlnout10\brdlndist0}\brsp80\rtlch\af0\afs18\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs18\lang1040\loch\f3\fs18\lang1040 {\rtlch \ltrch\loch\f3\fs18\lang1040\i0\b0 Parti del testo in corsivo e/o vuote (___) vanno adattate e compilate; testo con lo sfondo grigio va cancellato.}
\par \pard\plain \ltrpar\s1\qj{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1\qj{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\b\loch\f3\fs20\lang1040\b {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b Raccomandata con avviso di ricevimento}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1\qj{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\rtlch\af0\afs20\lang255\ai\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\i\loch\f3\fs20\lang1040\i {\rtlch \ltrch\loch\f3\fs20\lang1040\i\b0 Spett.le BANCA}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i\b0 DIREZIONE GENERALE}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i\b0 Via / P.zza ____________________________ n. __ }
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i\b0 _________/___________________}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1\qj{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 Lettera semplice}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 Spett.le BANCA D\'92ITALIA - UFFICIO VIGILANZA}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 Via Orazio}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 39100 \'96 BOLZANO}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 Lettera semplice}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 Spett.le Centro Tutela Consumatori Utenti}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 Via Dodiciville, 2}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 39100 \'96 BOLZANo}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040{\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b\b Oggetto: contratto apertura di credito con scoperto di conto corrente n\'b0 ____________________, acceso in data _____________ presso la Filiale di ____________}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040{\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b{\b Ripetizione degli interessi anatocistici (capitalizzati trimestralmente) ed altre indebite competenze}}{\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 . }
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 Io sottoscritto ___________________________________________, nato a __________________ il ____/____/_____, residente in __________________ alla Via ___________________________}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 n. ____, con telefono n. ___________________, con posta elettronica ___________________, }
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 premesso che}
\par \pard\plain {\listtext\pard\plain \li360\ri0\lin360\rin0\fi-360\f3\fs20\lang1040\f0\fs20\f0\fs20\qj\f2\fs16\fs16 \u61553\'3f\tab}\ilvl0 \ltrpar\s1\qj{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ls1\li360\ri0\lin360\rin0\fi-360\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 tra il Vs. Spett.le istituto di credito e il sottoscritto \'e8 stato stipulato un contratto di apertura di credito }
\par \pard\plain \ltrpar\s1\qj{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\li426\ri0\lin426\rin0\fi0\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 con scoperto in conto corrente, indicato in oggetto, nel quale sono confluite anche altre competenze di rapporti accessori;}
\par \pard\plain {\listtext\pard\plain \li360\ri0\lin360\rin0\fi-360\f3\fs20\lang1040\f0\fs20\f0\fs20\qj\f2\fs16\fs16 \u61553\'3f\tab}\ilvl0 \ltrpar\s1\qj{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ls0\li360\ri0\lin360\rin0\fi-360\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 il Vs. Istituto, dall'accensione del rapporto sino ad oggi, ha capitalizzato, tra l'altro, interessi (ultralegali, commissioni e competenze varie) in aperta violazione della norma imperativa di cui all'art. 1283 c.c.;}
\par \pard\plain {\listtext\pard\plain \li360\ri0\lin360\rin0\fi-360\f3\fs20\lang1040\f0\fs20\f0\fs20\qj\f2\fs16\fs16 \u61553\'3f\tab}\ilvl0 \ltrpar\s1\qj{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ls0\li360\ri0\lin360\rin0\fi-360\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 la Corte di Cassazione a Sezioni Unite con la sentenza n\'b0 21095 del 4 novembre 2004, ponendo fine alle infondate aspettative degli istituti bancari, ha definitivamente sancito che la trimestralizzazione degli interessi, imposta fin dall'emanazione delle pr
ime norme bancarie uniformi (1952) dal sistema bancario sui conti affidati, \'e8 illegittima fin dalla sua prima applicazione. }
\par \pard\plain \ltrpar\s1\qj{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 Tutto ci\'f2 premesso,}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040{\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b\b si invita e diffida il Vs. istituto a restituire tempestivamente tutte le somme illegittimamente trattenute dall'inizio del rapporto bancario sino ad oggi entro e non oltre a giorni quindici dalla ricezione della presente, dovendo in caso di silenzio o dis
senso recuperare l'indebito seguendo la via contenziosa.}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 Si invia la presente al Centro Tutela Consumatori Utenti affinch\'e9 curi le ragioni dell\'92esponente e per controllare il contenuto della risposta che la Banca andr\'e0 a fornire}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 Con ogni pi\'f9 ampia riserva}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 {\rtlch \ltrch\loch\f3\fs20\lang1040\i0\b0 Cordiali saluti}
\par \pard\plain \ltrpar\s1{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\ql\rtlch\af0\afs20\lang255\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\loch\f3\fs20\lang1040 
\par \pard\plain \ltrpar\s1\qj{\*\hyphen2\hyphlead2\hyphtrail2\hyphmax0}\rtlch\af0\afs20\lang255\ai\ltrch\dbch\af0\langfe255\hich\f3\fs20\lang1040\i\loch\f3\fs20\lang1040\i {\rtlch \ltrch\loch\f3\fs20\lang1040\i\b0 Data________________________ \tab \tab \tab Firma_________________________________}
\par }