New rules for consortia
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Check out the changes in law and what can still improve for the consumer from the date February 9, 2008, Law No. 11,795 entered into force, establishing new rules for consortia in the country. Now, in addition to buildings and cars, the consortium included letters also serve to pay for services such as medical treatments and cosmetic dentistry, spending on education, security items and travel packages. The consortium will be formed by claims of different values, and divided into three broad categories: real estate, movable property (such as cars and trips) and services (such as higher education or aesthetic treatments). Therefore, anyone participating in a cruise can be the same group who wants to know Disney. If that person wants to do a cruise up the idea, you can use the credit for a dental treatment or any other service, for example. Only you can not exchange a service for a movable or immovable. If the consortium has debts of the same class as your credit, you can use it to discharge, provided that full and will not buy another property. For example, the plans of buildings may be in reverse discharge property, and the car, just to remove another vehicle. In case of withdrawal prior to the contemplation, the Act ensures that the consortium continues participating in the lottery and receives the corrected value according to the number of installments paid. But is not specified exactly how the regulations will be held the draw for quitters to refund of amounts paid. According to the Office of Protection and Defense of Consumers and Citizens of Brazil (IPDC), this issue was still open and needs to be regulated. The Procon - SP believes that the consortium should receive the amounts paid as soon be deleted. According Hilma Araśjo, technique in the consumer's SP PROCON, the national agreements already doing this. "Companies have not demonstrated, under the administrative PROCON SP, damages for not returning the values of delay," says the technique. The Central Bank is not positioned on it. Other changes The law is also stricter penalties on companies that apply do not meet the new rules. In case of damage to the consumer, the Central Bank is authorized to revoke a permit for operation of the Administrator. Already the demand for corporate managers of firms increased from R $ 180 thousand to R $ 400 mil. For those working in the field of buildings, the minimum capital increased from R $ 470 thousand to $ 1 million.
IPDC - Office of Protection and Defense of Consumers and Citizens of Brazil www.ipdc.com.br
Source: www.ipdc.com.br
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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