Clipping of news on Brazilian Culture, Law and Citizenship
02.10.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Not receive for a product sold or service provided is very unpleasant, right? But it is not because the consumer is in default that the supplier can charge anyway and expose your client to embarrassment.
Theme most sought by suppliers in Procon-SP site, the debts will be handled in the post today's series "Guiding the Supplier".
Once checked default, the supplier may perform the "negativity" of defaulting on consumer credit protection agencies. However, it is essential prior and clear information to the consumer on the possibility of including this type of registration.
This communication shall be made in sufficient time to enable the consumer to repay the debt before inclusion. The statement must have the following information: the dealer who must pay; the location for its implementation and the amount of the debt.
Heads up! Enrollment in consumer entries can not exceed five years by the same debt. You can not, for example, after five years, updating the amount originally due and then provide new "negativity" as if it were new debt, since the origin of default is the same.
The consumer also has the right to request correction of any inaccurate or incorrect data about them.
Charge can not embarrass
The contractual relationship involving supplier and consumer must be guided by harmony, balance of interests and good faith. It is the right of the supplier to make debt collection, however, is illegal expose the debtor to ridicule or submit it to any type of embarrassment or threat. Therefore, the supplier can not:
using terms such as "deadbeat" to charge the consumer;
call at work or exposed, on site or elsewhere, the name of who should.
make charges on social media. Unless this is the only channel of contact that the consumer has and has made available.
The supplier must also be attentive to schedules to effect collection, because according to the State Law 15,426 / 14, the phone calls for this purpose should be carried out from Monday to Friday, from 8 am to 20 hours, and on Saturdays from 8 hours to 14 hours, except holidays.
The supplier may ask questions in a space designed specifically for him in Procon-SP site. In the next post we will deal with guarantees.
Source: Procon-SP
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This article was translated by an automatic translation system, and was therefore not reviewed by people.