Clipping of news on Brazilian Culture, Law and Citizenship
 


Consumer News

Success on purchases: Follow duties and asserts rights

07/31/2015

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 

 

transparent image

 

It is important that all are aware of their rights and duties so that major hassles are avoided 

Every consumer with the name negated in any credit protection institution to pay off your debt, has the right, guaranteed by law, to have your Social Security number removed from the default list.

If the exclusion does not happen at a certain maximum period, consumers should demand their removal from the register and in five days all have to be resolved. If this does not happen spontaneously, the consumer may demand it judicially. And can even request payment of compensation for moral damages and even of possible financial losses as may be caused by delay.

It is important that all are aware of their rights and duties so that major hassles are avoided. Below further guidance on the case.

By Marco Quintarelli

QUESTION AND ANSWER

"It is true that my name does not get out of the Credit Protection Service even after I pay a purchase of debt?"

Marcos Roberto, Itaipu

From the moment you paid your debt in any establishment, whether a financial institution, bank, shop, or another shopping center that sells on credit, they have a duty to report to the Credit Protection Service (SPC) and / or Serasa and his name should be removed from the list of debtors customers.

The deadline for this to happen is five days, however, after payment of the debt, you can inquire at the post of SPC or the nearest Serasa, if your name is again positive. The service is free.

In short, the institution must clear his name once it is reported that you paid what they owed. To be safe, to pay off a debt, ask for the request to run low in Serasa and / or the SPC and which is mentioned on the receipt, that the debt was settled.

If you have paid off your debt and your name will continue negated, find out who did not fulfill their part in the obligation to withdraw the CPF these institutions. Then contact the establishment where you settled the debt and make sure that they informed the entity in which your name is registered. If this notification was made. From there, it is up to the SPC and / or Serasa delete its name from the records.

For example, if you paid off a debt in a store, and this has not yet communicated to the SPC, you must send a letter to the store filed stipulating a deadline of a week for it to do so. If the store proves that already notified the entity, then send a registered letter to the same period the entity in question. If your name is not removed from the registry of debtors, you can bring a lawsuit for damages against the responsible.

By the Consumer Protection Code Article 43, paragraph 5, her name can not be more than five years in the credit bureaus, such as SPC, Serasa and others.

Marco Quintarelli is a consultant of the AZO Group. Monday, Success in Contests

 

Source: The Day

 

To access the site Day, click here.

Our news are taken in full of our partner sites. For this reason, we can not change their content even in cases of typographical errors.

This article was translated by an automatic translation system, and was therefore not reviewed by people.

Important:
The JurisWay site does not interfere in the work provided by doctrine, why only reflect the opinions, ideas and concepts of their authors.


  Subjects list
 
  Copyright (c) 2006-2009. JurisWay - All rights reserved.