Clipping of news on Brazilian Culture, Law and Citizenship
02/04/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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1 - The name on TLC ( Register of NSF checks without funds) prevents me from making a loan ?
According to Procon - SP , the criteria for granting credit is the financial institution , so the fact that the name be in the CCF can indeed be used as justification for denying the claim . The criteria for the refusal to grant credit , however, must be objective, clear and properly delivered to the consumer .
2 - My name was included in the SPC . The school where I want to enroll my son may prevent from enrollment ?
The school can not but accept the registration of the name because the consumer is in the records of the credit crunch , according to the Procon - SP . If this happens , consumers should seek an agency for consumer protection .
3 - I made a loan of R $ 2,000 in the bank to pay in four installments . Delayed payment , I went to the SPC and the debt reached R$ 8,000. How do I pay less interest ?
The Procon - SP directs the consumer to look for the bank and inform them that you are interested in paying the debt , trying to negotiate the reduction of values . She has the right also to ask a spreadsheet that shows how the initial value has reached the current , with a description of interest and installments not yet paid. If you can not information you can get help in a consumer protection agency .
4 - I received a letter from a debt SERASA charging three years ago , but unaware that debt. What should I do to resolve this situation ?
The consumer must go to SERASA and ask for a statement . This document set out what information the supplier that the inclusion : contract , date , amount , name of the company , among others . Possession of documentation, guides the Procon - SP , it should seek to question the company and request the inclusion of the settlement pending .
5 - If I renegotiate my debt and pay the first installment of the renegotiation , the company has an obligation to take my name SPC or SERASA ? If so, what is the article of the Code of Consumer Protection that says that?
Yes From the first installment , consumer data should be excluded from the records of the credit crunch , according to article 43 of the Code of Consumer Protection , says the Procon - SP .
6 - I have a debt to a store and I'm with the delayed installments for three months. They called me saying that gather the goods back . Is this possible?
According to Procon - SP , the company can only collect the merchandise if a lawsuit in court for that specific purpose . What the company can do is make recovery measures . But , according to the Consumer Protection Code , the consumer may not be exposed to embarrassment or threat.
7 - I issued a check to a grocery store for ten years and at the time he was charged twice and returned without funds. I tried to pay him a few years ago , but he was not located by the supermarket . Now a collection agency contacted me and included my name in SERASA . This is allowed by law ?
According to Procon - SP , the consumer should look SERASA and ask for a statement with the information referred debt. With this document , you should seek a body of consumer protection for the technician to assess the situation .
8 - I have a debt of R$ 30,000 with a bank regarding a loan contracted with an interest rate of 1.7 % per month . I have in savings , R$ 15 thousand. It is best to use the R$ 15,000 to pay part of the debt or invest that money in order to increase it ?
The financial adviser Mark Crivelaro advises the customer to pay part of the debt . Giving R$ 15,000 in cash, he shall , in addition , seek a discount on the total debt . It would be interesting , for example , try to reduce the amount to R$ 25 thousand, a rate of 1.4 % per month .
9 - I have some savings , but also have debts to pay . Better to invest the savings or pay off debts ?
It is always better to eliminate debt, says financial adviser Mark Crivelaro . That's because , according to him , the interest charged on debts are always higher than the return on investments .
10 - I owe R$ 60,000 in credit card and overdraft . My income is now worth R$ 1,800 . What do I do ? I stop paying the cards and overdraft ?
The financial adviser Mark Crivelaro suggests that the consumer does , yes , to pay the debt . " I'm not encouraging the default. But the non-payment will lead to a situation of negotiation," he says. He claims that these cases usually most fines are forgiven, reaching a value close to the original and often , with the possibility of installment .
Source : Procon SP
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This article was translated by an automatic translation system, and was therefore not reviewed by people.