Clipping of news on Brazilian Culture, Law and Citizenship
09.29.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Procon expects to meet 1200 people in this period
Eight out of ten of those who have taken loans from banks and financial are delinquent, as pointed out by the SPC Brazil. With increasingly difficult to honor financial commitments, 76% of people are owing more to the banks, volume 8% more than last year, when the same ratio reached 68%. The growth of debt with banks and financial led the Office of Protection and Consumer Protection (Procon-BA) to promote, until October 9, a campaign for the renegotiation of debts with banks.
It was precisely this kind of debt it took the cleaning lady Maria Pereira to Procon yesterday. She saw a debt of R$ 1.400 jump to R$ 2.300 to the next month. "I bought some stuff in the market and the pharmacy and made a loan, also using the card. Just that there did not have to pay, "she says.
Once contacted the billing department of the bank, the financial institution offered an agreement providing an input R$ 600 and over 12 installments of R$ 667, which made the cleaner distrust the accounts. "When I add up all over again, I got scared. The debt was more than R$ 8000. Not I was able to pay R$ 1300, how will I pay this amount? I want to pay, but it has to be the value that I'm really should, "he says.
Growing debt
According to the chief economist of the SPC Brazil, Marcela Kawauti, at a time when the debt grows at the same rate of decline in consumer purchasing power, the solution is just to negotiate. "It's time that people are being forced to adjust. Banks end up increasing the interest rate precisely because of the risk they are taking with regard to default. It is up to the consumer to seek an agreement that is good for both sides, "recommends economist at SPC.
The intention of Procon-BA is to meet an average of 1200 people throughout the period Effort renegotiate and get at least 70% of these debts. The agency will act as a kind of mediator in the negotiations, explains the Director of Customer Service and Guidance Consumer Procon, Lucas Menezes. "Our goal is to make an interchange that can meet both sides, both the consumer owes, as well as the lender has an interest in receiving that money."
To participate in the Mutirão, consumers should schedule the call over the Internet at the address and click the "Effort Renegotiation of Banking Debt". From there just fill out the form with your full name, ID number, the name of the bank. Upon completion of the form, which can be made until Wednesday, the consumer should also choose the day to care.
The financial institution has a period of up to 15 days to respond to the renegotiation proposal.
Campaign for Renegotiation
To participate Consumers should make your registration on the site, the link "Effort Renegotiation of Banking Debt". The deadline for scheduling ends on Wednesday.
Necessary documents is important that the consumer take on the day of your service, documents as RG, CPF and proof of residence, as well as documentation related to debt to be renegotiated and the copy of the schedule issued proof site.
Source: iBahia
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This article was translated by an automatic translation system, and was therefore not reviewed by people.