Pay off debt is difficult
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Saulo Luz
The difficulty to repay a debt or financing in advance was a major cause of complaints against financial institutions with the Central Bank (BC) in the entire month of July, adding 332 complaints.
According to BC, the complaints show that consumers are many obstacles and delays by the companies time to settle debts, especially those related to payroll loans and Direct Consumer Credit. According to the technical consumer of Procon-SP junior Serrano Yoshitomi, anticipate the discharge of a debt is a right guaranteed by law. "Article 52 of the Code of Consumer Protection (CDC) says that, if the anticipated settlement - debt, total or partial has to be proportional reduction in value."
To discourage or prevent the client quite a debt, some financial institutions impose contractual penalties or fees, such as the Early Settlement Rate (TLA).
That's what happened with the financial manager Nisterac Evelin, 28 years to pay off your car. "I charged a fee of about deR $ 500.00 to settle the debt," he says.
Considered unfair and unlawful by the consumer, the TLA has been banned by the Central Bank - by Resolution 3516 BC - applies only to contracts signed after December 6, 2007. In the case of contracts prior to that date, the fee is authorized by the BC. If the bank is charging the TLA for new contracts, the consumer may withdraw from the Central Bank (0800 979 2345).
In the opinion of junior Yoshitomi, TLA abuse continues even for contracts prior to the resolution. Moreover, she argues that the resolution of BC has been less beneficial to consumers.
"The BC prohibited TLA, but the same resolution as a disciplined form of calculation (for the discharge of funding) that is based on the sum of the spread with the Selic rate. In practice, this can prevent the consumer get the discount that guarantees the CDC, "he adds.
Source: Jornal da Tarde
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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