Clipping of news on Brazilian Culture, Law and Citizenship
09/02/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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The Superior Court of Justice ( STJ ) voted on Wednesday by the exclusion of the collection rate of the Credit ( TAC ) and the rate of emission Carnets ( TEC ) - which can range from R$ 700 to R$ 5000 for who hires financing and makes payments via bank slips - but kept the registration fee and allowed the collection of tax on financial transactions and Credit ( IOF ) on the principal in calculating interest . The decision is not worth , because it was not published in the Official Gazette .
The decision of the Supreme Court shall be valid for all 285,000 cases that discuss this issue in the country. The actions that await the definition of the legality of these charges involve an estimated U.S. $ 533 million . In May , the Minister of STJ Isabel Gallotti ordered the immediate suspension of the processing of all the actions related to the subject , at any level , phase and judgment until the trial occurred .
The decision of the Supreme Court was considered negative for the consumer by the Brazilian Institute for Consumer Defense ( IDEC ) . The agency believes that the TAC is intertwined with the registration fee , the collection of which was legitimized .
- The registration fee is charged only once when opening an account . A bank or dealership , for example , can only do this once recovery . And consider that some points are not clear . If you have a bank account and will finance a car at a dealership for this same bank taxes and registration can be charged ? We understand that not . Furthermore , if consumers choose to bank an automaker , the fare can not be so more expensive than charged by the financial system . There are cases of fares from R$ 1,500. Banks charge of R$ 30 to R$ 50 - Ione Amorim says economist Idec .
Another negative and unfavorable to the consumer , according to Ione , is the fact that the IOF may be charged on the principal of the debt :
- Thus , the consumer will pay interest on the tax .
To Paulo Arthur Goes, executive director of the Procon - SP , the search for training registration procedure is inseparable from any credit transaction and exclusive interest of the banks .
- There is therefore no service to the consumer who already pays these expenses through interest rates . Admitting this charge means to validate the business model distorted and discouraging at the same time reducing the cost of credit to the Brazilian population - says Goes .
Source : Procon SP
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This article was translated by an automatic translation system, and was therefore not reviewed by people.