Clipping of news on Brazilian Culture, Law and Citizenship
30/05/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
SAO PAULO - During the IX Brazilian Congress of Consumer Rights, which ended last Friday (25), representatives of all Procons Parents gathered to demonstrate the illegality of the TAC (Tariff Registration Opening Credit), normally charged consumer from financial institutions.
According to the president of the Association PronconBrasil, Gisela Simone Viana de Souza, currently, the charge is made on the basis of Resolution 3919/2010 Central Bank, which provides the tariff for the purpose of conducting research with credit services, based on data and information registration and processing of data and information between the financial institution and the consumer.
"The collection of any fee requires the consideration of a service, which does not occur in this case, since there is no service to the consumer, but rather a service to the financial institution itself and in its sole interest," Gisela argues.
Search
In the opinion of Procon, research on registration data or granting credit is part of the development of the activity of the supplier and not a service to any consumer or requested by him. One can not imagine the extension of credit without a search on the recipient's credit, so rates of registration and opening of credit are used in order to cover the administrative costs of the institution, this cost should be borne by the supplier, it is inherent in the development of their activities.
The Procon also reported that the TAC consider levying unfair contracts in the same vehicle financing, since the opening of registration and research in banks are credit protection burden to be borne by the supplier, since they reduce business risk, such values can not be passed on to consumers.
"The administrative costs of the training records are already paid by consumers through interest rates. When you collect them apart from the banks, in addition to receiving the same service twice, they have no incentive to reduce the par value, "explains the CEO of Procon-SP Foundation, Paulo Arthur Góes.
Source: InfoMoney
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This article was translated by an automatic translation system, and was therefore not reviewed by people.