{"id":7725,"date":"2025-12-11T13:31:25","date_gmt":"2025-12-11T11:31:25","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7725"},"modified":"2025-12-11T13:31:27","modified_gmt":"2025-12-11T11:31:27","slug":"mhan-cobrat-una-cosa-que-no-he-comprat","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/bloc\/mhan-cobrat-una-cosa-que-no-he-comprat","title":{"rendered":"Qu\u00e8 fer si t&#039;han cobrat una cosa que no has comprat? Guia pas a pas"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Descobrir un c\u00e0rrec desconegut al vostre compte bancari pot ser alarmant. La frase <strong>\u201cm&#039;han cobrat una cosa que no he comprat\u201d<\/strong> s&#039;ha tornat cada vegada m\u00e9s com\u00fa entre els usuaris que, sense av\u00eds previ, veuen com els seus diners desapareixen sense justificaci\u00f3 aparent. En aquest article t&#039;expliquem qu\u00e8 fer si t&#039;enfrontes a un <strong>c\u00e0rrec no autoritzat<\/strong>, com protegir-te legalment i com actuar en cas que el teu banc no respongui. Una guia clara i completa per recuperar els teus diners i tranquil\u00b7litat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pas 1: actuaci\u00f3 immediata per aturar el frau<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quan t&#039;adones que <strong>t&#039;han cobrat una cosa que no has comprat<\/strong>, cada minut compte. La rapidesa en la reacci\u00f3 pot marcar la difer\u00e8ncia entre un \u00fanic c\u00e0rrec sospit\u00f3s i una cadena de fraus als comptes. Per aix\u00f2, aquest primer pas \u00e9s <strong>crucial per protegir els teus diners i frenar noves transaccions no autoritzades<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bloqueig de la targeta: la primera mesura essencial<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si detectes que <strong>han fet servir la teva targeta per internet<\/strong> sense el teu consentiment, el primer que has de fer \u00e9s <strong>bloquejar la targeta<\/strong> de manera immediata. Gaireb\u00e9 tots els bancs permeten fer-ho des de la seva aplicaci\u00f3 m\u00f2bil o trucant al servei datenci\u00f3 al client.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta acci\u00f3 evita que els defraudadors segueixin utilitzant la teva targeta per fer m\u00e9s compres. Recorda que <strong>els c\u00e0rrecs no autoritzats en targeta de cr\u00e8dit<\/strong> es poden acumular r\u00e0pidament si no s&#039;actua amb rapidesa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Contacte urgent amb el banc per reportar el c\u00e0rrec no reconegut<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Despr\u00e9s de bloquejar la targeta, has de <strong>contactar amb el teu banc<\/strong> i notificar el c\u00e0rrec no reconegut. \u00c9s fonamental deixar const\u00e0ncia per escrit (correu electr\u00f2nic o formulari digital). Explica clarament: \u201c<strong>m&#039;han cobrat una cosa que no he comprat<\/strong>\u201d i aporta tota la informaci\u00f3 que tinguis: data, import i nom del comer\u00e7.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pas 2: reclamaci\u00f3 formal i suport legal<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un cop bloquejada la targeta i comunicat l&#039;incident al banc, el pas seg\u00fcent \u00e9s <strong>iniciar el proc\u00e9s de reclamaci\u00f3 formal<\/strong>, amb l&#039;objectiu de recuperar els diners i deixar const\u00e0ncia legal del que ha passat. Aquest pas \u00e9s essencial no nom\u00e9s per obtenir el reemborsament, sin\u00f3 tamb\u00e9 per protegir els teus drets com a consumidor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Qu\u00e8 he de fer si em cobren per alguna cosa que no vaig comprar? (El formulari de reclamaci\u00f3)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si has detectat un c\u00e0rrec que no reconeixes, \u00e9s fonamental <strong>presentar el formulari de reclamaci\u00f3 del banc<\/strong> com m\u00e9s aviat millor. Aquest document serveix per notificar oficialment que <strong>no vas autoritzar el pagament<\/strong> i activar el proc\u00e9s de recerca interna.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cada banc t\u00e9 el seu propi model, per\u00f2 normalment el podr\u00e0s completar des de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&#039;app del banc (a l&#039;\u00e0rea d&#039;ajuda o seguretat)<\/li>\n\n\n\n<li>La banca en l\u00ednia (apartat de reclamacions o \u201cc\u00e0rrecs no reconeguts\u201d)<\/li>\n\n\n\n<li>Acudint presencialment a una oficina<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Al formulari haur\u00e0s d&#039;incloure:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les teves dades personals<\/li>\n\n\n\n<li>El n\u00famero de targeta o compte associat<\/li>\n\n\n\n<li>Data, import i descripci\u00f3 del c\u00e0rrec<\/li>\n\n\n\n<li>Una explicaci\u00f3 clara que no vas realitzar ni autoritzar aquesta operaci\u00f3<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s molt recomanable adjuntar <strong>evid\u00e8ncies<\/strong> com a captures de pantalla del moviment i, si \u00e9s possible, una den\u00fancia davant la policia si sospites de frau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un cop lliurat el formulari, el banc est\u00e0 obligat a <strong>analitzar el teu cas i donar-te una resposta en un termini raonable<\/strong>. Si no ho fa o desestima la teva sol\u00b7licitud sense justificaci\u00f3, podr\u00e0s escalar la queixa com expliquem m\u00e9s endavant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>La Llei de serveis de pagament: quan el banc est\u00e0 obligat a tornar els diners?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>Llei de serveis de pagament<\/strong> estableix que el banc ha de <strong>reemborsar els diners d&#039;un c\u00e0rrec no autoritzat en un m\u00e0xim de 24 hores h\u00e0bils<\/strong>, sempre que el titular no hagi actuat amb neglig\u00e8ncia greu (com compartir el PIN o deixar la targeta sense supervisi\u00f3).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta normativa et protegeix davant de situacions com \u201c<strong>m&#039;han cobrat una cosa que no he comprat BBVA<\/strong>\u201d o \u201c<strong>m&#039;han cobrat una cosa que no he comprat La Caixa<\/strong>\u201d.Tots els bancs, inclosos <strong>Caixabank<\/strong>, han de respectar aquesta obligaci\u00f3 legal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>C\u00e0rrecs no autoritzats en targeta de d\u00e8bit i cr\u00e8dit: proc\u00e9s i terminis<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El proc\u00e9s de <strong>reversi\u00f3 o retrocessi\u00f3 del c\u00e0rrec<\/strong> implica:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Presentar la reclamaci\u00f3 al banc.<\/li>\n\n\n\n<li>Esperar la investigaci\u00f3 interna (pot trigar fins a 13 mesos si el banc no actua proactivament).<\/li>\n\n\n\n<li>El banc t&#039;ha de <strong>reintegrar l&#039;import si conclou que va ser un c\u00e0rrec fraudulent<\/strong>.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Den\u00fancia i evid\u00e8ncia: el suport davant les autoritats<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s de reclamar davant del banc, \u00e9s molt recomanable que <strong>formalitzis una den\u00fancia davant les autoritats<\/strong> si sospites que el c\u00e0rrec no autoritzat prov\u00e9 d&#039;un <strong>frau, suplantaci\u00f3 d&#039;identitat o \u00fas indegut de les dades banc\u00e0ries<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Per qu\u00e8 \u00e9s important denunciar?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Presentar una den\u00fancia <strong>refor\u00e7a la teva reclamaci\u00f3 davant del banc<\/strong> i demostra que has actuat de bona fe. A m\u00e9s, serveix com a document oficial en cas que hagis d&#039;acudir a inst\u00e0ncies superiors (com la UNE o el Banc d&#039;Espanya), o fins i tot iniciar accions legals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La den\u00fancia tamb\u00e9 contribueix a la <strong>investigaci\u00f3 del possible delicte<\/strong> per part de les forces de seguretat, cosa que pot ajudar a frenar xarxes d&#039;estafadors que operen amb targetes robades o dades filtrades a internet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>On es denuncia un cobrament indegut o fraudulent?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pots acudir a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Policia Nacional<\/strong><\/li>\n\n\n\n<li><strong>Gu\u00e0rdia Civil<\/strong><\/li>\n\n\n\n<li><strong>Mossos d&#039;Esquadra<\/strong> o <strong>Ertzaintza<\/strong>, segons la teva comunitat aut\u00f2noma<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En alguns casos, pots iniciar la den\u00fancia online i completar-la despr\u00e9s a comissaria. Aporta tota la documentaci\u00f3 que tinguis: <strong>extractes bancaris, captures de pantalla, c\u00f2pia del formulari de reclamaci\u00f3 i qualsevol comunicaci\u00f3 amb el banc<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recorda: la den\u00fancia <strong>no reempla\u00e7a la reclamaci\u00f3 al banc<\/strong>, per\u00f2 s\u00ed <strong>la refor\u00e7a legalment<\/strong> i demostra la teva implicaci\u00f3 activa per resoldre el problema.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Casos espec\u00edfics: frau a La Caixa, BBVA, Caixabank i altres bancs<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Alguns usuaris reporten que <strong>han patit c\u00e0rrecs no reconeguts a entitats com La Caixa o BBVA<\/strong>. En aquests casos, a m\u00e9s de l&#039;anterior:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Guarda tota la comunicaci\u00f3 amb el banc<\/strong><\/li>\n\n\n\n<li>Si el banc no respon, pots anar a la seva <strong>Unitat Especialitzada de Reclamacions<\/strong><\/li>\n\n\n\n<li>Si vas fer servir una targeta Caixabank, esmenta a la teva reclamaci\u00f3: <strong>\u00abc\u00e0rrec en targeta no autoritzat Caixabank\u00bb<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>El problema de la liquiditat: cobrir el forat mentre investiguen<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un dels majors inconvenients despr\u00e9s de descobrir un <strong>c\u00e0rrec en targeta no autoritzat<\/strong> \u00e9s que, encara que inici\u00efs la reclamaci\u00f3 immediatament, <strong>els diners poden trigar dies o fins i tot setmanes a ser tornats<\/strong>. Mentrestant, aquest import pot deixar un buit important al pressupost mensual, sobretot si es tracta d&#039;un c\u00e0rrec elevat o si vius al dia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00f2 afecta directament la teva capacitat per cobrir despeses b\u00e0siques com:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El lloguer o la hipoteca<\/li>\n\n\n\n<li>Alimentaci\u00f3 i subministraments<\/li>\n\n\n\n<li>Pagaments d&#039;altres pr\u00e9stecs o deutes<\/li>\n\n\n\n<li>Despeses m\u00e8diques o imprevistos urgents<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">I \u00e9s que no es tracta nom\u00e9s d&#039;\u201cun ensurt\u201d: <strong>la manca temporal de liquiditat pot tenir conseq\u00fc\u00e8ncies reals en el teu dia a dia<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per a aquests casos, una soluci\u00f3 pr\u00e0ctica i r\u00e0pida \u00e9s sol\u00b7licitar un <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/urgents\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stec urgent<\/a> qu\u00e8 et permeti <strong>mantenir les teves finances estables<\/strong> mentre esperes la resoluci\u00f3 del banc. Aquest tipus de productes est\u00e0 pensat per a situacions d&#039;emerg\u00e8ncia, amb tr\u00e0mits senzills i sense papers complicats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recorda que <strong>protegir la teva estabilitat financera mentre es resol la incid\u00e8ncia \u00e9s tan important com reclamar els diners<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quan triga el banc a tornar un c\u00e0rrec no autoritzat?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que la <strong>Llei de serveis de pagament<\/strong> estableix que el banc ha de <strong>reemborsar de forma immediata<\/strong> un c\u00e0rrec no autoritzat (normalment a <strong>un termini m\u00e0xim de 24 hores h\u00e0bils<\/strong> des que es notifica la incid\u00e8ncia), la realitat pr\u00e0ctica pot variar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En molts casos, els bancs obren una investigaci\u00f3 interna que pot <strong>demorar la devoluci\u00f3 entre 7 i 30 dies h\u00e0bils<\/strong>, especialment si consideren que necessiten m\u00e9s proves o si sospiten un possible \u00fas autoritzat de la targeta. Alguns usuaris han reportat que el termini es pot estendre fins i tot m\u00e9s si no s&#039;aporta prou documentaci\u00f3 des de l&#039;inici.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, si el vostre cas inclou c\u00e0rrecs en plataformes digitals, pagaments a l&#039;estranger o <strong>han fet servir la teva targeta per internet sense el teu perm\u00eds<\/strong>, lan\u00e0lisi pot portar m\u00e9s temps.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>La soluci\u00f3: pr\u00e9stec urgent per a despeses vitals<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan el banc triga a tornar-te els diners o el teu compte es queda en n\u00fameros vermells despr\u00e9s d&#039;un c\u00e0rrec no autoritzat, necessites una soluci\u00f3 r\u00e0pida per <strong>cobrir les teves necessitats b\u00e0siques sense agreujar la teva situaci\u00f3 financera<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En aquests casos, una opci\u00f3 pr\u00e0ctica \u00e9s rec\u00f3rrer a un <strong>pr\u00e9stec urgent<\/strong>. Aquest tipus de finan\u00e7ament est\u00e0 pensat per a situacions excepcionals, com ara:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagar el <strong>lloguer o hipoteca<\/strong><\/li>\n\n\n\n<li>Cobrir <strong>alimentaci\u00f3 i subministraments essencials<\/strong><\/li>\n\n\n\n<li>Enfrontar despeses m\u00e8diques o imprevistos<\/li>\n\n\n\n<li>Evitar comissions per descobert al teu compte<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/urgents\/\" target=\"_blank\" rel=\"noreferrer noopener\">Avafin<\/a> oferim pr\u00e9stecs r\u00e0pids, amb resposta en minuts i sense paperassa innecess\u00e0ria, per ajudar-te a <strong>mantenir la teva estabilitat econ\u00f2mica mentre esperes el reemborsament del banc<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El m\u00e9s important \u00e9s no quedar-te paralitzat per la incertesa. Si el banc investiga, tu tamb\u00e9 pots actuar: assegura&#039;t de tenir un suport econ\u00f2mic que et permeti respirar tranquil.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 fer si el teu banc es nega a la devoluci\u00f3?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En alguns casos, despr\u00e9s d&#039;analitzar la teva reclamaci\u00f3, el banc pot considerar que <strong>el c\u00e0rrec va ser leg\u00edtim o autoritzat<\/strong>, i, per tant, <strong>negar-se a reemborsar-te els diners<\/strong>. Aix\u00f2 pot ser frustrant, especialment si est\u00e0s conven\u00e7ut que no vas fer aquesta compra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per\u00f2 no et preocupis: <strong>encara tens opcions<\/strong> per continuar defensant els teus drets com a consumidor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Reclamaci\u00f3 davant la Unitat Especialitzada (UNE) del banc<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tots els bancs a Espanya n&#039;han de tenir una <strong>Unitat Especialitzada (UNE)<\/strong> atenci\u00f3 a reclamacions. Si la teva reclamaci\u00f3 va ser desestimada, <strong>acudeix per escrit a la UNE<\/strong>. Solen respondre en un termini de 15 a 30 dies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Escaleu la queixa al Banc d&#039;Espanya (La via final)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si la UNE no et d\u00f3na la ra\u00f3, pots elevar el teu cas al <strong>Banc d&#039;Espanya<\/strong>, que actuar\u00e0 com <strong>\u00e0rbitre neutral<\/strong>. Tot i que la seva resoluci\u00f3 no \u00e9s vinculant, <strong>els bancs solen acatar les recomanacions per evitar sancions o mala reputaci\u00f3<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Preguntes freq\u00fcents sobre c\u00e0rrecs no reconeguts<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Qu\u00e8 puc fer si em cobren una cosa que no he comprat? (Resum de passos)<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Bloqueja la targeta<\/strong><\/li>\n\n\n\n<li><strong>Contacta amb el teu banc<\/strong><\/li>\n\n\n\n<li><strong>Presenta una reclamaci\u00f3<\/strong><\/li>\n\n\n\n<li><strong>Denuncia la policia si \u00e9s frau<\/strong><\/li>\n\n\n\n<li><strong>Demana un pr\u00e9stec urgent si ho necessites<\/strong><\/li>\n\n\n\n<li><strong>Escala la queixa a la UNE i al Banc d&#039;Espanya si cal<\/strong><\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Tornar c\u00e0rrec targeta d\u00e8bit: com funciona la retrocessi\u00f3?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>retrocessi\u00f3 del c\u00e0rrec<\/strong> \u00e9s un procediment mitjan\u00e7ant el qual el banc anul\u00b7la un pagament no autoritzat i torna l&#039;import al titular. Aix\u00f2 aplica tant a <strong>targetes de d\u00e8bit com de cr\u00e8dit<\/strong>. Cal demostrar que no vas autoritzar el pagament i que s&#039;han seguit els passos formals de reclamaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pots llegir m\u00e9s sobre aix\u00f2 al nostre article: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-recuperar-diners-retinguts\/\" target=\"_blank\" rel=\"noreferrer noopener\">com recuperar diners retinguts<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Qu\u00e8 fer si em fan un c\u00e0rrec no reconegut?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si notes que <strong>he pagat amb targeta i no m&#039;ho han descomptat<\/strong> o, per contra, <strong>m&#039;han cobrat sense comprar res<\/strong>, el m\u00e9s important \u00e9s:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Revisar els teus moviments bancaris amb freq\u00fc\u00e8ncia<\/strong><\/li>\n\n\n\n<li>Usar targetes amb alertes de pagament activades<\/li>\n\n\n\n<li>No desar dades de targeta a llocs web dubtosos<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 \u00e9s \u00fatil con\u00e8ixer qu\u00e8 podrien fer amb les teves dades banc\u00e0ries si cauen en mans equivocades. Descobreix-ho aqu\u00ed: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-poden-fer-amb-el-meu-numero-de-compte\/\" target=\"_blank\" rel=\"noreferrer noopener\">qu\u00e8 poden fer amb el meu n\u00famero de compte?<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rebre un c\u00e0rrec no autoritzat \u00e9s una experi\u00e8ncia angoixant, per\u00f2 hi ha eines legals i financeres per enfrontar-lo. Recorda: <strong>bloquejar la targeta, reclamar immediatament, denunciar i mantenir la documentaci\u00f3 s\u00f3n claus per recuperar els teus diners<\/strong>. I si mentrestant necessites ajuda per cobrir les teves despeses, no dubtis a consultar solucions r\u00e0pides com <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/urgents\/\" target=\"_blank\" rel=\"noreferrer noopener\">els nostres pr\u00e9stecs urgents<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>T&#039;han cobrat alguna cosa que no has comprat? No est\u00e0s sol.<\/strong> Segueix aquests passos i defensa els teus diners.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Necessites cobrir un imprevist?<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Demana el teu pr\u00e9stec a AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Descobrir un c\u00e0rrec desconegut al vostre compte bancari pot ser alarmant. La frase \u201cm&#039;han cobrat una cosa que no he comprat\u201d s&#039;ha tornat cada cop m\u00e9s com\u00fa entre els usuaris que, sense av\u00eds previ, veuen com els seus diners desapareixen sense justificaci\u00f3 aparent. En aquest article t&#039;expliquem qu\u00e8 fer si t&#039;enfrontes a [...]<\/p>","protected":false},"author":32,"featured_media":7727,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[24,23],"tags":[],"class_list":["post-7725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-deudas","category-educacion-financiera"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Me han cobrado algo que no he comprado | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Descubre qu\u00e9 hacer si te han cobrado algo que no has comprado. 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