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Consumer struggles to renegotiate debt with banks, says Idec

02/01/2017

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

 

 

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About Us | 30/01/2017 13:40 - Updated at 01/30/2017 13:53

According to the balance sheet conducted by Idec, only 39.2% of Internet users were successful in renegotiating debts with institutions

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Research on consumers' experiences of debt renegotiation conducted by the Brazilian Institute of Consumer Protection (Idec) revealed that 60.8% of clients were not successful in renegotiating debts with banks.

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Among the institutions consulted by the survey are: Banco do Brasil, Bradesco, Caixa Econômica Federal and Itaú

The balance released on Monday (30) found that 53.6% of 1,815 Internet users interviewed tried to renegotiate the debt, but only 39.2% succeeded. The financial institutions consulted by Idec were the ones most remembered by the consumer: Banco do Brasil, Bradesco, Caixa Econômica Federal and Itaú.

Reason

According to the survey conducted between July and September 2016, the main reasons for the misfortune of the indebted are: bank does not renegotiate debts that are not late (24.2%), consumers can not get a new term to pay what they owe (27.3%) and transfer of debt to another company (29.1%).

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Other side

The statement released by the institution further reveals that Idec questioned the institutions, but that they did not present plausible arguments about the difficulties of the clients to achieve a healthy negotiation. According to the economist responsible for the research, Ione Amorim, the answers presented are generic and diverge with consumer claims.

"The frequent agreements signed with renegotiation and lengthening of debt are presented as the only alternative offered by the institutions to solve the problem of indebtedness", according to the economist, these measures were responsible for generating a new cycle of delinquency, instead of a Solution.

Ione Amorim believes that there is an absence of banks' initiatives so that the consumer is not over-indebted, since in the survey conducted by Idec it was found that 46% of consumers never had any kind of guidance from the institutions.

The discussion on the topic to the consumer is of extreme importance to the Brazilian Institute of Consumer Defense, says the economist, because only in this way can the cycle of delinquency have an effective end and revealed that only 0.7% of Clients mentioned having participated in workshops organized by the banks on the subject.

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Source: Economics - iG @ http://economia.ig.com.br/2017-01-30/renegociar-dividas.html

 

Source: IG

 

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

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