Collegio di Coordinamento – Decisione n. 22746/2019 – Pres. Massera – Est. Carriero - FCHub

(MDC)

Collegio di Coordinamento

Decisione n. 22746

Anno: 2019

Pres. Massera

Est. Carriero

Voce principale: Credito ai consumatori

Voci secondarie: criteri (cod. civ. artt. 1224 - 1815; l. n. 108/1996 art. 2; d.lgs. n. 206/2005 artt. 33 - 36)infondatezzamanifesta eccessività degli interessi moratorisommatoria degli interessi moratori agli interessi corrispettiviusura

img:is([sizes="auto" i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px;}img.wp-smiley,img.emoji{display:inline !important;border:none !important;box-shadow:none !important;height:1em !important;width:1em !important;margin:0 .07em !important;vertical-align:-.1em !important;background:none !important;padding:0 !important;}.wp-block-co-authors-plus-coauthors.is-layout-flow [class*=wp-block-co-authors-plus]{display:inline;}.wp-block-co-authors-plus-avatar :where(img){height:auto;max-width:100%;vertical-align:bottom;}.wp-block-co-authors-plus-coauthors.is-layout-flow .wp-block-co-authors-plus-avatar :where(img){vertical-align:middle;}.wp-block-co-authors-plus-avatar:is(.alignleft,.alignright){display:table;}.wp-block-co-authors-plus-avatar.aligncenter{display:table;margin-inline:auto;}.wp-block-co-authors-plus-image{margin-bottom:0;}.wp-block-co-authors-plus-image :where(img){height:auto;max-width:100%;vertical-align:bottom;}.wp-block-co-authors-plus-coauthors.is-layout-flow .wp-block-co-authors-plus-image :where(img){vertical-align:middle;}.wp-block-co-authors-plus-image:is(.alignfull,.alignwide) :where(img){width:100%;}.wp-block-co-authors-plus-image:is(.alignleft,.alignright){display:table;}.wp-block-co-authors-plus-image.aligncenter{display:table;margin-inline:auto;}.wp-block-rank-math-toc-block nav ol{counter-reset:item;}.wp-block-rank-math-toc-block nav ol li{display:block;}.wp-block-rank-math-toc-block nav ol li:before{content:counters(item,".") ". ";counter-increment:item;}@-webkit-keyframes spin{0%{-webkit-transform:rotate(0deg);}100%{-webkit-transform:rotate(-360deg);}}@keyframes spin{0%{-webkit-transform:rotate(0deg);}100%{-webkit-transform:rotate(-360deg);}}@keyframes bounce{from{-webkit-transform:translateY(0px);transform:translateY(0px);}to{-webkit-transform:translateY(-5px);transform:translateY(-5px);}}@-webkit-keyframes bounce{from{-webkit-transform:translateY(0px);transform:translateY(0px);}to{-webkit-transform:translateY(-5px);transform:translateY(-5px);}}@-webkit-keyframes loading{0%{background-size:20% 50%,20% 50%,20% 50%;}20%{background-size:20% 20%,20% 50%,20% 50%;}40%{background-size:20% 100%,20% 20%,20% 50%;}60%{background-size:20% 50%,20% 100%,20% 20%;}80%{background-size:20% 50%,20% 50%,20% 100%;}100%{background-size:20% 50%,20% 50%,20% 50%;}}@keyframes loading{0%{background-size:20% 50%,20% 50%,20% 50%;}20%{background-size:20% 20%,20% 50%,20% 50%;}40%{background-size:20% 100%,20% 20%,20% 50%;}60%{background-size:20% 50%,20% 100%,20% 20%;}80%{background-size:20% 50%,20% 50%,20% 100%;}100%{background-size:20% 50%,20% 50%,20% 50%;}}:root{--rankmath-wp-adminbar-height:0;}#rank-math-rich-snippet-wrapper{overflow:hidden;}#rank-math-rich-snippet-wrapper h5.rank-math-title{display:block;font-size:18px;line-height:1.4;}#rank-math-rich-snippet-wrapper .rank-math-review-image{float:right;max-width:40%;margin-left:15px;}#rank-math-rich-snippet-wrapper .rank-math-review-data{margin-bottom:15px;}#rank-math-rich-snippet-wrapper .rank-math-total-wrapper{width:100%;padding:0 0 20px 0;float:left;clear:both;position:relative;-webkit-box-sizing:border-box;box-sizing:border-box;}#rank-math-rich-snippet-wrapper .rank-math-total-wrapper .rank-math-total{border:0;display:block;margin:0;width:auto;float:left;text-align:left;padding:0;font-size:24px;line-height:1;font-weight:700;-webkit-box-sizing:border-box;box-sizing:border-box;overflow:hidden;}#rank-math-rich-snippet-wrapper .rank-math-total-wrapper .rank-math-review-star{float:left;margin-left:15px;margin-top:5px;position:relative;z-index:99;line-height:1;}#rank-math-rich-snippet-wrapper .rank-math-total-wrapper .rank-math-review-star .rank-math-review-result-wrapper{display:inline-block;white-space:nowrap;position:relative;color:#e7e7e7;}#rank-math-rich-snippet-wrapper .rank-math-total-wrapper .rank-math-review-star .rank-math-review-result-wrapper .rank-math-review-result{position:absolute;top:0;left:0;overflow:hidden;white-space:nowrap;color:#ffbe01;}#rank-math-rich-snippet-wrapper .rank-math-total-wrapper .rank-math-review-star .rank-math-review-result-wrapper i{font-size:18px;-webkit-text-stroke-width:1px;font-style:normal;padding:0 2px;line-height:inherit;}#rank-math-rich-snippet-wrapper .rank-math-total-wrapper .rank-math-review-star .rank-math-review-result-wrapper i:before{content:"★";}body.rtl #rank-math-rich-snippet-wrapper .rank-math-review-image{float:left;margin-left:0;margin-right:15px;}body.rtl #rank-math-rich-snippet-wrapper .rank-math-total-wrapper .rank-math-total{float:right;}body.rtl #rank-math-rich-snippet-wrapper .rank-math-total-wrapper .rank-math-review-star{float:right;margin-left:0;margin-right:15px;}body.rtl #rank-math-rich-snippet-wrapper .rank-math-total-wrapper .rank-math-review-star .rank-math-review-result{left:auto;right:0;}@media screen and (max-width: 480px){#rank-math-rich-snippet-wrapper .rank-math-review-image{display:block;max-width:100%;width:100%;text-align:center;margin-right:0;}#rank-math-rich-snippet-wrapper .rank-math-review-data{clear:both;}}.clear{clear:both;}.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em;}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none;}:root{--wp--preset--aspect-ratio--square:1;--wp--preset--aspect-ratio--4-3:4/3;--wp--preset--aspect-ratio--3-4:3/4;--wp--preset--aspect-ratio--3-2:3/2;--wp--preset--aspect-ratio--2-3:2/3;--wp--preset--aspect-ratio--16-9:16/9;--wp--preset--aspect-ratio--9-16:9/16;--wp--preset--color--black:#000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#fff;--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,rgba(6,147,227,1) 0%,#9b51e0 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,#7adcb4 0%,#00d082 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange:linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red:linear-gradient(135deg,rgba(255,105,0,1) 0%,#cf2e2e 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,#eee 0%,#a9b8c3 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,#4aeadc 0%,#9778d1 20%,#cf2aba 40%,#ee2c82 60%,#fb6962 80%,#fef84c 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,#ffceec 0%,#9896f0 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,#fecda5 0%,#fe2d2d 50%,#6b003e 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,#ffcb70 0%,#c751c0 50%,#4158d0 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,#fff5cb 0%,#b6e3d4 50%,#33a7b5 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,#caf880 0%,#71ce7e 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,#020381 0%,#2874fc 100%);--wp--preset--font-size--small:13px;--wp--preset--font-size--medium:20px;--wp--preset--font-size--large:36px;--wp--preset--font-size--x-large:42px;--wp--preset--spacing--20:.44rem;--wp--preset--spacing--30:.67rem;--wp--preset--spacing--40:1rem;--wp--preset--spacing--50:1.5rem;--wp--preset--spacing--60:2.25rem;--wp--preset--spacing--70:3.38rem;--wp--preset--spacing--80:5.06rem;--wp--preset--shadow--natural:6px 6px 9px rgba(0,0,0,.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0,0,0,.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(0,0,0,.2);--wp--preset--shadow--outlined:6px 6px 0px -3px rgba(255,255,255,1),6px 6px rgba(0,0,0,1);--wp--preset--shadow--crisp:6px 6px 0px rgba(0,0,0,1);}:where(.is-layout-flex){gap:.5em;}:where(.is-layout-grid){gap:.5em;}body .is-layout-flex{display:flex;}.is-layout-flex{flex-wrap:wrap;align-items:center;}.is-layout-flex > :is(*,div){margin:0;}body .is-layout-grid{display:grid;}.is-layout-grid > :is(*,div){margin:0;}:where(.wp-block-columns.is-layout-flex){gap:2em;}:where(.wp-block-columns.is-layout-grid){gap:2em;}:where(.wp-block-post-template.is-layout-flex){gap:1.25em;}:where(.wp-block-post-template.is-layout-grid){gap:1.25em;}.has-black-color{color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color:var(--wp--preset--color--white) !important;}.has-pale-pink-color{color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color:var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color:var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color:var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color:var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color:var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background:var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background:var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background:var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background:var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background:var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background:var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background:var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background:var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background:var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background:var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size:var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size:var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size:var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size:var(--wp--preset--font-size--x-large) !important;}:where(.wp-block-post-template.is-layout-flex){gap:1.25em;}:where(.wp-block-post-template.is-layout-grid){gap:1.25em;}:where(.wp-block-columns.is-layout-flex){gap:2em;}:where(.wp-block-columns.is-layout-grid){gap:2em;}:root :where(.wp-block-pullquote){font-size:1.5em;line-height:1.6;}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}@media screen and (max-height: 1024px){.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}}@media screen and (max-height: 640px){.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}.margine-dx img{margin-right:20px;}.two-columns{column-count:2;column-gap:20px;width:100%;font-style:italic;}