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FAQ","\u002Ffaq",{"label":12,"link":13},{"label":165,"link":166},"Servizio per sordi","\u002Fservizio-per-sordi",{"label":168,"link":169},"Educazione finanziaria","\u002Feducazione-finanziaria",{"label":171,"link":172},"Glossario","\u002Fglossario",{"label":174,"link":175},"Reclami, Arbitrati (ABF, ACF), IVASS","\u002Freclami",{"label":177,"link":178},"Informazioni sulla distribuzione di prodotti assicurativi tramite Internet","\u002Finformazioni-distribuzione-prodotti-assicurativi",{"sort":11,"title":180,"items":181},"Link utili",[182,185,188,191,192,195,198],{"label":183,"link":184},"Accessibilità","\u002Faccessibilita",{"label":186,"link":187},"Privacy e Cookie","\u002Fprivacy-e-cookie",{"label":189,"link":190},"PSD2 gateway","\u002Fpsd2-gateway",{"label":22,"link":23},{"label":193,"link":194},"Codice etico","https:\u002F\u002Fwww.sellapersonalcredit.it\u002Fapi\u002Fasset\u002F48D27360-1479-4883-A71D-5DCB8CD573EF",{"label":196,"link":197},"Whistleblowing","\u002Fwhistleblowing",{"label":199,"link":200},"Accesso DOL\u002FValigetta","https:\u002F\u002Fsecure.sellapersonalcredit.it\u002Fd-consel\u002Flogin\u002Fhome",{"sort":122,"title":202,"items":203},"Seguici sui social",[204,207,210,213],{"label":205,"link":206},"LinkedIn","https:\u002F\u002Fwww.linkedin.com\u002Fcompany\u002Fsella-personal-credit\u002F",{"label":208,"link":209},"Facebook","https:\u002F\u002Fwww.facebook.com\u002FSellaPersonalCredit",{"label":211,"link":212},"Instagram","https:\u002F\u002Fwww.instagram.com\u002Fsellapersonalcreditspa\u002F",{"label":214,"link":215},"Youtube","https:\u002F\u002Fwww.youtube.com\u002Fchannel\u002FUCyPox7M1n_YXRIfoAzTy0kw",{"sort":125,"title":217,"items":218},"Collabora con noi",[219],{"label":220,"link":221},"Lavora con noi","https:\u002F\u002Fjoin.sellagroup.eu\u002F",{"id":6,"title":223,"description":224},"\u003Cp>Sella Personal Credit S.p.A\u003C\u002Fp>","\u003Cp>Società soggetta all’attività di direzione e coordinamento della Banca Sella Holding S.p.A\u003Cbr>Via V. Bellini 2 - 10121 Torino\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp>PEC: \u003Ca href=\"mailto:sellapersonalcredit@actaliscertymail.it\" target=\"_blank\" rel=\"noopener\">sellapersonalcredit@actaliscertymail.it\u003C\u002Fa> \u003Cbr>Società Appartenente al Gruppo Iva Maurizio Sella S.A.A con P. IVA 02675650028 Cod.Fisc. \u002F Num. iscrizione presso l’Ufficio del Registro di Torino 02007340025 R.E.A n. 948365 \u003Cbr>\u003Cbr>Capitale sociale e riserve: euro 148.105.739,42\u003C\u002Fp>",{"isFeatured":44,"id":226,"status":227,"slug":228,"title":229,"excerpt":230,"reading":231,"imgAlt":233,"images":234,"publishedAt":238,"cat":239,"tag":242,"href":243,"related":244,"seo":245,"template":248,"templateData":249},113,"published","estinzione-anticipata-nel-credito-ai-consumatori","Estinzione anticipata nel credito ai consumatori","\u003Cp>Sella Personal Credit informa i Clienti che abbiano sottoscritto, a partire da giugno 2011, un contratto di credito ai consumatori e lo abbiano estinto anticipatamente prima del 30 marzo 2023, che possono presentare una richiesta per verificare l’eventuale diritto al rimborso.\u003C\u002Fp>",{"minutes":232,"words":232},0,"Immagine di sfondo",{"desktop":235,"mobile":237},{"jpg":236},"\u002Fapi\u002Fasset\u002F961ACC6E-7F83-4B20-B82F-05FDEFCC86C7",{"jpg":42},"2026-09-24T14:28:57.420Z",{"id":125,"title":240,"slug":241},"I nostri prodotti","prodotti",[],"\u002Fblog\u002Fprodotti\u002Festinzione-anticipata-nel-credito-ai-consumatori",[],{"title":229,"description":246,"noIndex":18,"noFollow":18,"evIMG":247},"I clienti che hanno sottoscritto, a partire da giugno 2011, un contratto di credito ai consumatori e l'hanno estinto anticipatamente prima del 30 marzo 2023, possono presentare una richiesta per verificare l’eventuale diritto al rimborso.","https:\u002F\u002Fwww.sellapersonalcredit.it\u002Fapi\u002Fasset\u002F961ACC6E-7F83-4B20-B82F-05FDEFCC86C7","alternate_img",{"altImage":49,"descriptionHtml":250,"description2Html":251,"banners":252},"\u003Ch3>\u003Cstrong>Hai estinto anticipatamente un finanziamento? \u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>Potresti avere diritto al rimborso di una parte dei costi sostenuti all’inizio del contratto.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Quando puoi presentare la richiesta? \u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>\u003Cimg src=\"\u002Fapi\u002Fasset\u002FD34FB7B5-05B9-480C-8CCC-968A4A6C393F?width=1200&height=300\" alt=\"Tempistiche estinzione anticipata\">\u003C\u002Fp>","\u003Cp>Sella Personal Credit informa i Clienti che abbiano sottoscritto, a partire da giugno 2011, un contratto di credito ai consumatori e lo abbiano estinto anticipatamente prima del 30 marzo 2023, che possono presentare una richiesta per verificare l’eventuale diritto al rimborso.\u003C\u002Fp>\n\u003Ch3>Che cosa prevede la normativa?\u003C\u002Fh3>\n\u003Cp>In base ai principi affermati dalla Corte di giustizia dell’Unione europea nella sentenza dell’11 settembre 2019, causa C-383\u002F18 (c.d. “sentenza Lexitor”), in caso di estinzione anticipata il consumatore ha diritto alla \u003Cstrong>riduzione del costo totale del credito\u003C\u002Fstrong> per la parte riferibile alla durata residua del finanziamento. La riduzione riguarda i costi sostenuti al momento della conclusione del contratto (c.d. costi “up front”), con esclusione delle imposte.\u003C\u002Fp>\n\u003Ch3>Come si calcola il rimborso?\u003C\u002Fh3>\n\u003Cp>Gli eventuali importi da rimborsare, \u003Cstrong>nel caso in cui il diritto non sia prescritto per il decorso del termine di legge\u003C\u002Fstrong>, saranno calcolati con il \u003Cstrong>criterio della curva degli interessi\u003C\u002Fstrong>, cioè in funzione della durata del prestito ed in proporzione agli interessi, tenendo conto, al momento del rimborso, degli interessi ancora da pagare rispetto al totale interessi, secondo il piano di ammortamento pattuito.\u003C\u002Fp>\n\u003Ch3>Cosa devi fare?\u003C\u002Fh3>\n\u003Cp>Contattaci e chiedi, senza costi, la verifica del tuo eventuale diritto al rimborso. \u003C\u002Fp>\n\u003Cp>\u003Cimg src=\"\u002Fapi\u002Fasset\u002FDEB60409-4063-4219-A2C4-4D99E1DE66F3?width=1200&height=250\" alt=\"Contatti estinzione anticipata\">\u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.sellapersonalcredit.it\u002Fapi\u002Fasset\u002F1D806057-3E01-4D80-8611-72EF3615850C.pdf\" target=\"_blank\" rel=\"noopener\">Clicca qui\u003C\u002Fa> per scaricare l'informativa.\u003C\u002Fp>",[]]