{"id":7739,"date":"2025-12-15T17:01:11","date_gmt":"2025-12-15T15:01:11","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7739"},"modified":"2026-07-23T10:52:22","modified_gmt":"2026-07-23T08:52:22","slug":"retencio-per-tant-com-saber-que-es","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es","title":{"rendered":"Retenci\u00f3, per\u00f2: com saber de qu\u00e8 \u00e9s i qu\u00e8 fer pas a pas"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Descobrir una retenci\u00f3 inesperada al teu compte bancari pot generar confusi\u00f3 i preocupaci\u00f3, especialment si no has rebut cap notificaci\u00f3 pr\u00e8via. Moltes persones es pregunten davant aquesta situaci\u00f3: retenci\u00f3, per\u00f2, com saber de qu\u00e8 \u00e9s i qui l&#039;ha ordenat? <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La realitat \u00e9s que hi ha mecanismes per identificar l&#039;origen exacte d&#039;una retenci\u00f3 banc\u00e0ria, con\u00e8ixer el creditor responsable i prendre mesures per solucionar-lo o aturar-lo. En aquest article t&#039;expliquem pas a pas com esbrinar qui t&#039;ha embargat, qu\u00e8 signifiquen els codis que apareixen al teu compte, com consultar la informaci\u00f3 a l&#039;administraci\u00f3 p\u00fablica i quines opcions tens per recuperar els teus diners o evitar noves retencions.<\/p>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container av-image-left\"><div class=\"av-itd-content-column\"><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #6a737c;color:#6a737c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #6a737c;color:#6a737c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Paso_1_Pregunta_a_tu_banco_por_la_orden_de_retencion_la_via_mas_rapida\" >Pas 1: Pregunteu al vostre banc per l&#039;ordre de retenci\u00f3 (la via m\u00e9s r\u00e0pida)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#La_informacion_clave_que_debe_darte_el_banco_orden_numero_y_organismo_emisor\" >La informaci\u00f3 clau que t&#039;ha de donar el banc (ordre, n\u00famero i organisme emissor)\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Retencion_por_embargo_Banco_Santander_y_otras_entidades_el_codigo_de_la_retencion\" >Retenci\u00f3 per\u00f2 Banco Santander i altres entitats: el codi de la retenci\u00f3\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#%C2%A1Solicita_tu_Prestamo_Rapido_hoy\" >Demana el teu Pr\u00e9stec R\u00e0pid avui!<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Paso_2_Investigacion_en_la_Administracion_Publica\" >Pas 2: Investigaci\u00f3 a l&#039;Administraci\u00f3 P\u00fablica\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Consultar_embargo_Agencia_Tributaria_Hacienda_el_origen_mas_comun\" >Consultar embargament Ag\u00e8ncia Tribut\u00e0ria (Hisenda): l&#039;origen m\u00e9s com\u00fa\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Como_saber_de_que_es_un_embargo_del_Ayuntamiento_o_Comunidad_autonoma\" >Com saber de qu\u00e8 \u00e9s un embargament de l&#039;Ajuntament o la Comunitat aut\u00f2noma\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Consultar_diligencia_de_embargo_documentacion_oficial_para_tu_abogado\" >Consulteu dilig\u00e8ncia d&#039;embargament: documentaci\u00f3 oficial per al vostre advocat\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Decodificando_los_misterios_del_embargo_codigos_y_mitos\" >Decodificant els misteris de l&#039;embargament (codis i mites)\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#%C2%BFQue_significan_los_codigos_de_retencion_bancaria_Ejemplos_como_0000_o_0202\" >Qu\u00e8 signifiquen els codis de retenci\u00f3 banc\u00e0ria? (Exemples com 0000 o 0202)&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Consultar_embargos_por_DNI_y_el_Registro_de_embargos_judiciales\" >Consulteu embargaments per DNI i el Registre d&#039;embargaments judicials\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#%C2%BFCuales_son_los_3_tipos_de_embargo_administrativo_judicial_y_ejecutivo\" >Quins s\u00f3n els tres tipus d&#039;embargament (administratiu, judicial i executiu)?\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Actuar_tras_identificar_la_deuda_%C2%BFse_puede_parar_la_retencion\" >Actuar despr\u00e9s d&#039;identificar el deute: es pot aturar la retenci\u00f3?\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#%C2%BFComo_saber_quien_me_tiene_embargado_Identificando_al_acreedor_final\" >Com saber qui em t\u00e9 embargat? (Identificant el creditor final)&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Oposicion_al_embargo_y_reclamacion_de_cantidades_inembargables\" >Oposici\u00f3 a l&#039;embargament i reclamaci\u00f3 de quantitats inembargables&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#La_solucion_financiera_evita_que_la_retencion_se_repita\" >La soluci\u00f3 financera: evita que la retenci\u00f3 es repeteixi\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Por_que_la_retencion_bancaria_es_solo_el_principio_Recargos_y_gastos\" >Per qu\u00e8 la retenci\u00f3 banc\u00e0ria \u00e9s nom\u00e9s el principi (Rec\u00e0rrecs i despeses)&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Financiacion_urgente_para_pagar_la_deuda_y_cancelar_la_orden_de_embargo\" >Finan\u00e7ament urgent per pagar el deute i cancel\u00b7lar l&#039;ordre d&#039;embargament&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#Preguntas_Frecuentes_sobre_el_origen_de_las_retenciones\" >Preguntes freq\u00fcents sobre l&#039;origen de les retencions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.avafin.es\/ca\/blog\/retencion-por-embargo-como-saber-de-que-es\/#%C2%BFNecesitas_Dinero_Rapido\" >Necessites Diners R\u00e0pids?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Paso_1_Pregunta_a_tu_banco_por_la_orden_de_retencion_la_via_mas_rapida\"><\/span>Pas 1: Pregunteu al vostre banc per l&#039;ordre de retenci\u00f3 (la via m\u00e9s r\u00e0pida)<span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p class=\"wp-block-paragraph\">Quan en descobreixes una <strong>retenci\u00f3 per\u00f2<\/strong> al teu compte bancari, el primer que has de fer \u00e9s contactar directament amb el teu banc. Aquesta \u00e9s la via m\u00e9s r\u00e0pida per <strong>saber de qu\u00e8 \u00e9s l&#039;embargament<\/strong> i qui ho ha sol\u00b7licitat. Les entitats financeres tenen l&#039;obligaci\u00f3 legal d&#039;informar-te del motiu i l&#039;origen de qualsevol retenci\u00f3 aplicada als teus fons.\u00a0<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/12\/consultar-embargos-por-dni-.jpg\" alt=\"Usu\u00e0ria banca digital\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"La_informacion_clave_que_debe_darte_el_banco_orden_numero_y_organismo_emisor\"><\/span><strong>La informaci\u00f3 clau que t&#039;ha de donar el banc (ordre, n\u00famero i organisme emissor)<\/strong>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El banc t&#039;ha de facilitar una s\u00e8rie de dades essencials per identificar l&#039;origen de l&#039;embargament. Aquesta informaci\u00f3 sol incloure el <strong>n\u00famero d&#039;expedient o de dilig\u00e8ncia<\/strong>, el <strong>organisme que ha ordenat la retenci\u00f3<\/strong> (per exemple, l&#039;Ag\u00e8ncia Tribut\u00e0ria, un jutjat o l&#039;Ajuntament) i, en alguns casos, l&#039;import reclamat o embargat. Sense aquestes dades \u00e9s molt dif\u00edcil avan\u00e7ar en el proc\u00e9s de reclamaci\u00f3 o defensa.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Retencion_por_embargo_Banco_Santander_y_otras_entidades_el_codigo_de_la_retencion\"><\/span><strong>Retenci\u00f3 per\u00f2 Banco Santander i altres entitats: el codi de la retenci\u00f3<\/strong>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cada banc utilitza els seus propis codis interns per registrar les retencions. Per exemple, la <strong>retenci\u00f3 per\u00f2 Banco Santander<\/strong> pot apar\u00e8ixer amb codis com <strong>0000<\/strong>, <strong>0202<\/strong> o fins i tot acompanyat de dates com <strong>31 des 2049<\/strong>. Aquests codis, encara que semblen aleatoris, ajuden el personal del banc a identificar el tipus d&#039;embargament i l&#039;origen. Si veus un codi com <strong>retenci\u00f3 per\u00f2 0000 qu\u00e8 significa<\/strong>, demana que t&#039;ho expliquin clarament. Algunes entitats banc\u00e0ries no ofereixen el detall complet a trav\u00e9s de la banca en l\u00ednia, per la qual cosa \u00e9s recomanable acudir a una oficina o trucar directament al servei d&#039;atenci\u00f3 al client.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%A1Solicita_tu_Prestamo_Rapido_hoy\"><\/span>Demana el teu Pr\u00e9stec R\u00e0pid avui!<span class=\"ez-toc-section-end\"><\/span><\/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\">Obtingues-ho avui amb 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>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Paso_2_Investigacion_en_la_Administracion_Publica\"><\/span>Pas 2: Investigaci\u00f3 a l&#039;Administraci\u00f3 P\u00fablica\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quan tens les dades b\u00e0siques proporcionades pel banc, el seg\u00fcent pas \u00e9s investigar en els organismes p\u00fablics. La majoria de les <strong>retencions per\u00f2<\/strong> provenen de <strong>deutes amb Hisenda, ajuntaments, seguretat social o decisions judicials<\/strong>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consultar_embargo_Agencia_Tributaria_Hacienda_el_origen_mas_comun\"><\/span><strong>Consultar embargament Ag\u00e8ncia Tribut\u00e0ria (Hisenda): l&#039;origen m\u00e9s com\u00fa<\/strong>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;Ag\u00e8ncia Tribut\u00e0ria \u00e9s un dels emissors d&#039;embargaments m\u00e9s freq\u00fcents en comptes bancaris. Si sospites que la retenci\u00f3 prov\u00e9 d&#039;aqu\u00ed, pots entrar amb el teu certificat digital o Cl@veu al portal de l&#039;AEAT i <strong>consultar embargament a l&#039;Ag\u00e8ncia Tribut\u00e0ria<\/strong>. A la secci\u00f3 dels meus expedients, trobar\u00e0s si hi ha algun deute pendent i si s&#039;ha iniciat un <strong>dilig\u00e8ncia d&#039;embargament<\/strong>. Aquesta consulta us permetr\u00e0 veure l&#039;import exacte, els rec\u00e0rrecs aplicats i si hi ha m\u00e9s embargaments previstos.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_saber_de_que_es_un_embargo_del_Ayuntamiento_o_Comunidad_autonoma\"><\/span><strong>Com saber de qu\u00e8 \u00e9s un embargament de l&#039;Ajuntament o la Comunitat aut\u00f2noma<\/strong>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una altra font comuna de retencions s\u00f3n les <strong>deutes amb l&#039;Ajuntament o amb la comunitat aut\u00f2noma<\/strong>, com multes de tr\u00e0nsit, IBI impagat o taxes municipals. Si el banc us indica que l&#039;ordre prov\u00e9 d&#039;una administraci\u00f3 local, haureu de contactar amb l&#039;\u00e0rea de recaptaci\u00f3 de l&#039;organisme corresponent. Pots fer-ho a trav\u00e9s de les seus electr\u00f2niques o per tel\u00e8fon. La frase \u00abcom saber de qu\u00e8 \u00e9s un embargament de l&#039;Ajuntament\u00bb es tradueix a localitzar l&#039;expedient i veure si es pot fraccionar, rec\u00f3rrer o pagar abans que continu\u00ef el proc\u00e9s.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consultar_diligencia_de_embargo_documentacion_oficial_para_tu_abogado\"><\/span><strong>Consulteu dilig\u00e8ncia d&#039;embargament: documentaci\u00f3 oficial per al vostre advocat<\/strong>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tota ordre d&#039;embargament s&#039;emet mitjan\u00e7ant una <strong>dilig\u00e8ncia d&#039;embargament<\/strong>, que \u00e9s el document legal on es reflecteix la decisi\u00f3 de retenir fons i se n&#039;especifica el motiu. Pots <strong>consultar la dilig\u00e8ncia d&#039;embargament<\/strong> a trav\u00e9s del portal de l&#039;organisme emissor, o sol\u00b7licitar-la directament si no en tens. Aquest document \u00e9s essencial si consultareu amb un advocat o assessor legal, ja que inclou dades com la data de l&#039;ordre, l&#039;origen del deute i les quantitats reclamades.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Decodificando_los_misterios_del_embargo_codigos_y_mitos\"><\/span>Decodificant els misteris de l&#039;embargament (codis i mites)\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Moltes vegades, en veure els detalls al compte bancari, apareixen codis que no s&#039;entenen. Aix\u00f2 genera confusi\u00f3 i, de vegades, ansietat. Con\u00e8ixer-ne el significat et permetr\u00e0 entendre millor la situaci\u00f3 i actuar amb rapidesa.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_significan_los_codigos_de_retencion_bancaria_Ejemplos_como_0000_o_0202\"><\/span><strong>Qu\u00e8 signifiquen els codis de retenci\u00f3 banc\u00e0ria? (Exemples com 0000 o 0202)<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Els codis com <strong>retenci\u00f3 per\u00f2 0000<\/strong>, <strong>0202<\/strong> o <strong>31 des 2049<\/strong> solen apar\u00e8ixer als moviments bancaris. El <strong>codi 0000<\/strong> pot indicar una retenci\u00f3 gen\u00e8rica, sense especificaci\u00f3 clara a la plataforma en l\u00ednia. El <strong>codi 0202<\/strong> en alguns casos fa refer\u00e8ncia a embargaments de car\u00e0cter judicial o relacionats amb la Seguretat Social. I la data <strong>31 des 2049<\/strong> no indica quan s&#039;acaba l&#039;embargament, sin\u00f3 que \u00e9s una data fict\u00edcia que els sistemes bancaris utilitzen per deixar la retenci\u00f3 activa de manera indefinida fins que s&#039;alliberi manualment. Si veieu algun d&#039;aquests codis, consulteu el vostre banc per con\u00e8ixer el detall complet i no assumir que \u00e9s un error.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consultar_embargos_por_DNI_y_el_Registro_de_embargos_judiciales\"><\/span><strong>Consulteu embargaments per DNI i el Registre d&#039;embargaments judicials<\/strong>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una altra opci\u00f3 per investigar l&#039;origen de l&#039;embargament \u00e9s <strong>consultar embargaments per DNI<\/strong>. Hi ha registres p\u00fablics on es pot verificar si una persona t\u00e9 embargaments judicials actius. El <strong>Registre d&#039;embargaments i condicions de cr\u00e8dit<\/strong>, al qual accedeixen notaris, entitats financeres i jutjats, permet veure si hi ha alguna anotaci\u00f3 en contra teva. Tot i que l&#039;acc\u00e9s no \u00e9s lliure per a particulars, el teu advocat o assessor s\u00ed que el pot consultar amb la teva autoritzaci\u00f3.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuales_son_los_3_tipos_de_embargo_administrativo_judicial_y_ejecutivo\"><\/span><strong>Quins s\u00f3n els tres tipus d&#039;embargament (administratiu, judicial i executiu)?<\/strong>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hi ha tres grans tipus d&#039;embargament. El <strong>embargament administratiu<\/strong> \u00e9s em\u00e8s per Hisenda, Seguretat Social o administracions locals. El <strong>embargament judicial<\/strong> ho ordena un jutge com a part d&#039;un proc\u00e9s civil o penal, i el <strong>embargament executiu<\/strong> \u00e9s el que s&#039;aplica despr\u00e9s d&#039;un t\u00edtol executiu, com ara una sent\u00e8ncia ferma o un deute no pagat. Con\u00e8ixer el tipus d&#039;embargament t&#039;ajudar\u00e0 a saber quins passos seguir, si pots rec\u00f3rrer i davant de quin organisme has de presentar al\u00b7legacions.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Actuar_tras_identificar_la_deuda_%C2%BFse_puede_parar_la_retencion\"><\/span>Actuar despr\u00e9s d&#039;identificar el deute: es pot aturar la retenci\u00f3?\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quan sabeu l&#039;origen de l&#039;embargament, \u00e9s moment d&#039;actuar. La bona not\u00edcia \u00e9s que en molts casos <strong>s\u00ed que es pot frenar o limitar la retenci\u00f3<\/strong>, especialment si hi ha errors de forma o si s&#039;han embargat quantitats que per llei s\u00f3n inembargables.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_saber_quien_me_tiene_embargado_Identificando_al_acreedor_final\"><\/span><strong>Com saber qui em t\u00e9 embargat? (Identificant el creditor final)<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que el banc indiqui un organisme, de vegades el deute original ha passat per diversos intermediaris o ha estat cedit a una ag\u00e8ncia de cobrament. Per aix\u00f2 \u00e9s important identificar amb claredat qui \u00e9s el <strong>creditor final<\/strong> que sol\u00b7licita l&#039;embargament. Aquesta dada figura a la dilig\u00e8ncia d&#039;embargament o es pot sol\u00b7licitar directament a l&#039;administraci\u00f3 o jutjat que va ordenar la mesura.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Oposicion_al_embargo_y_reclamacion_de_cantidades_inembargables\"><\/span><strong>Oposici\u00f3 a l&#039;embargament i reclamaci\u00f3 de quantitats inembargables<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La llei protegeix part dels teus diners com a inembargable, especialment si procedeix de pensions, n\u00f2mines o prestacions socials. Pots presentar-ne una <strong>oposici\u00f3 a l&#039;embargament<\/strong> si s&#039;han retingut quantitats superiors a les permeses o si hi ha una situaci\u00f3 de vulnerabilitat. Per fer-ho, haur\u00e0s de presentar documentaci\u00f3 justificativa i possiblement un escrit redactat per advocat. En casos d&#039;error o exc\u00e9s, els diners poden ser tornats.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per saber com recuperar els diners retinguts per error o exc\u00e9s, consulta aquesta guia d&#039;Avafin: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-recuperar-diners-retinguts\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.avafin.es\/blog\/como-recuperar-dinero-retenido<\/a>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"La_solucion_financiera_evita_que_la_retencion_se_repita\"><\/span>La soluci\u00f3 financera: evita que la retenci\u00f3 es repeteixi\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tot i aix\u00f2 \u00e9s moltes vegades nom\u00e9s el principi. Si no se soluciona el deute principal, poden venir nous embargaments o rec\u00e0rrecs addicionals.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Por_que_la_retencion_bancaria_es_solo_el_principio_Recargos_y_gastos\"><\/span><strong>Per qu\u00e8 la retenci\u00f3 banc\u00e0ria \u00e9s nom\u00e9s el principi (Rec\u00e0rrecs i despeses)<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s de la quantitat original, l&#039;embargament pot incloure interessos, costes judicials o despeses de notificaci\u00f3. Per tant, si no actues, el deute creix. Fins i tot si pagues part del deute, la resta pot continuar embargat fins que es cancel\u00b7li totalment. Per aix\u00f2, \u00e9s clau solucionar el problema d&#039;arrel, no nom\u00e9s alliberar una retenci\u00f3 concreta.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financiacion_urgente_para_pagar_la_deuda_y_cancelar_la_orden_de_embargo\"><\/span><strong>Finan\u00e7ament urgent per pagar el deute i cancel\u00b7lar l&#039;ordre d&#039;embargament<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si tens un deute petit o mitj\u00e0 que ha generat un embargament, una soluci\u00f3 viable pot ser obtenir <strong>finan\u00e7ament urgent<\/strong> per saldar-la abans que generi m\u00e9s conseq\u00fc\u00e8ncies. Hi ha opcions per a persones amb ASNEF o retencions actives, pensades per evitar que el problema s&#039;agreugi. A Avafin oferim solucions adaptades a cada situaci\u00f3, fins i tot si ja tens una retenci\u00f3 activa. Consulta&#039;n m\u00e9s detalls: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-saber-els-deutes-que-tinc-gratis\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.avafin.es\/blog\/como-saber-las-deudas-que-tengo-gratis<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_Frecuentes_sobre_el_origen_de_las_retenciones\"><\/span>Preguntes freq\u00fcents sobre l&#039;origen de les retencions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1765551730941\"><strong class=\"schema-faq-question\"><strong>Com es pot saber d&#039;on ve una retenci\u00f3 d&#039;embargament?<\/strong>\u00a0<br\/><\/strong> <p class=\"schema-faq-answer\">La primera cosa \u00e9s preguntar al banc. Despr\u00e9s has d&#039;investigar a l&#039;Ag\u00e8ncia Tribut\u00e0ria, Ajuntament, Seguretat Social o jutjat segons les dades que et donin. Tamb\u00e9 podeu revisar el vostre CIRBE i consultar amb un advocat.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1765551751326\"><strong class=\"schema-faq-question\"><strong>Quant de temps triga a sortir l&#039;embargament del meu compte?<\/strong><\/strong> <p class=\"schema-faq-answer\"><br\/>Un cop pagat el deute o cancel\u00b7lat l&#039;ordre, el banc sol alliberar la retenci\u00f3 en un termini entre 48 i 72 hores. En alguns casos, podeu trigar m\u00e9s si dep\u00e8n de la validaci\u00f3 d&#039;un organisme extern.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1765551769271\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 \u00e9s una retenci\u00f3 judicial i com es diferencia una administrativa?<\/strong>\u00a0<\/strong> <p class=\"schema-faq-answer\"><br\/>Una retenci\u00f3 judicial \u00e9s ordenada per un jutjat, habitualment per deutes privats, processos civils o penals. La retenci\u00f3 administrativa prov\u00e9 d&#039;Hisenda, els ajuntaments o els organismes p\u00fablics. Cadascuna segueix el seu propi proc\u00e9s de notificaci\u00f3, oposici\u00f3 i alliberament.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%BFNecesitas_Dinero_Rapido\"><\/span>Necessites Diners R\u00e0pids?<span class=\"ez-toc-section-end\"><\/span><\/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\">Obtingues-ho avui amb 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>Descubrir una retenci\u00f3n inesperada en tu cuenta bancaria puede generar confusi\u00f3n y preocupaci\u00f3n, especialmente si no has recibido ninguna notificaci\u00f3n previa. Muchas personas se preguntan ante esta situaci\u00f3n: retenci\u00f3n por embargo, \u00bfc\u00f3mo saber de qu\u00e9 es y qui\u00e9n la ha ordenado? La realidad es que existen mecanismos para identificar el origen exacto de una retenci\u00f3n [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":7750,"comment_status":"open","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":[22,24,23,21],"tags":[],"class_list":["post-7739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ahorro","category-deudas","category-educacion-financiera","category-prestamo"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Retenci\u00f3n por embargo: c\u00f3mo saber de qu\u00e9 es y qu\u00e9 hacer paso a paso | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"\u00bfTienes una retenci\u00f3n por embargo en tu cuenta y no sabes de d\u00f3nde viene? Descubre paso a paso c\u00f3mo saber de qu\u00e9 es y qui\u00e9n te embarga.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.avafin.es\/ca\/bloc\/retencio-per-tant-com-saber-que-es\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retenci\u00f3n por embargo: c\u00f3mo saber de qu\u00e9 es y qu\u00e9 hacer paso a paso | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"\u00bfTienes una retenci\u00f3n por embargo en tu cuenta y no sabes de d\u00f3nde viene? 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