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Dirty Name: Restriction has limits

09/16/2016

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

 

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Consumer subscribed to register debtors can not be prevented from hiring services, especially essential as water, health and education. However, recurring negative results can characterize rights abuse

When it is with the "bad name in the" it is natural to have difficulties obtaining loans and financing, for example. But beyond that, the defaulter consumers usually can not hire other services not related to credit. Companies can do this kind of restriction? 

Idec believes that not, especially in the case of essential services such as water, electricity, health and education. Deny the right to procurement of essential services would be an affront to the dignity of the person, and incompatible with the principles of the Consumer Protection Code (CDC). Thus, a consumer with dirty name can not be prevented from enrolling your child in a private school or hire a health plan, for example. 

In other cases, Idec believes that the mere enrollment in credit bureaus is not enough reason to prevent access to the service, provided that the consumer has the means to shoulder the obligations - paying cash or giving some kind of assurance that pay the tuition, for example. The refusal to provide services directly to whomever is willing to purchase them is considered abuse under Article 39 of the CDC. 

Despite these guarantees, the consumer should not abuse their rights. If you have already negated more than once in the same service within a shorter period than five years, it is expected that the supplier denies the provision of a service. For Idec, this practice is incompatible with the harmonization of interests and balance in consumer relations. 

Also, if after hiring the service the consumer fails to pay it, it can be cut. Before cutting, however, the supplier must allow a reasonable period for payment settlement. 

If your name is negated improperly, here what to do.

 

Source: Idec

To access the IDEC website, click here.

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

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