Clipping of news on Brazilian Culture, Law and Citizenship
27/11/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Printing paper receipts thermosensitive has replaced the electronic authentication own slip or invoice in the banks, and as there is no standard that standardize the procedure, Idec believes that companies and banks are responsible for proof of payment, and not the consumer
Consumers who usually go to the bank to make payments may have noticed that many agencies are no longer authenticating the transaction in the title or bank. The new procedure has been adopted to print a payment receipt, containing the barcode and the amount paid, and attach it to the bill. This change, however, exposes the consumer to the hassle of having to deal with more roles, since authentication is not performed in the title, not to mention the risk of losing the voucher issued. Moreover, many banks use thermally sensitive paper (the same as bank statements) that easily fades over time or in contact with plastic, making it more likely the loss of recorded information.
Currently, for payments made with credit or debit card, payment receipt will include the current account statement or credit card bill and this is the guarantee that the consumer has, if the company has not acknowledged the payment. Now, if the payment is made in cash and proof have been damaged, the consumer would have no way to prove that the payment was made.
For Idec, issuing the statement on paper improper - that can be easily lost or damaged - the consumer his right strip to prove that an account was settled, if the payment is questioned by the supplier of the service. The same goes for any other purpose, including legal, in which the time it takes to try a case can do with that information or even paper are lost.
Idec will question the Central Bank on the establishment of a standard that standardize the authentication procedure and retain the right bank of the consumer according to the CDC (Consumer Protection Code).
Duplicate
Besides the concern about controlling a larger number of papers, the consumer is still obligated to pay for the duplicate of the receipt of the payment made at the bank. According to the survey Idec, the rates charged by banks with more than one million customers for issue of a duplicate documents, whether in print or microfilm format, are quite high: ranging from R$ 4.50 to R$ 5, 90.
"The consumer should not be responsible for proving the payment when the choice for the role it is not improper. And it certainly should not be forced to pay for the issuance of the duplicate receipt to correct a flaw in the first document, which is transient and unfit for its intended purposes, "says economist Idec, Ione Amorim.
Annual discharge of debts
In 2009 the Federal Government enacted Decree 12.007/09 which requires every company to provide services continued use of a public nature (such as utility water, electricity, gas etc.) or private (such as schools, condominiums, cards credit, banking, pay TV, etc.), send the consumer until May of the following year a certificate concerning the discharge of debts last year. Thus, the consumer does not need saving vouchers monthly for five years, and only worry about keeping the annual statement. Unfortunately, few companies are complying with the legislation.
The law states that the sending of the declaration of discharge is the responsibility of the supplier of the service and not the bank. However, if the document was lost between the company and the bank, or any kind of problem that will prevent the confirmation of the discharge of debt becomes the responsibility of the bank, and not the consumer, to prove such payment.
"It is for this reason that the bank must return the authentication procedure in the document because it is the safest way to preserve and durable consumer rights. Moreover, the issue should not have duplicate cost, proven when the first pathway the unfeasibility due to the use of improper or paper loss, "adds Ione.
In São Paulo, a law of 2009 (Law No. 13,551) requires banks to change the quality of the paper used for printing payment vouchers issued by ATMs, to remain legible for the time that serve as document attesting transaction.
What can the consumer do?
-If you are in São Paulo, requiring the bank to print the payment voucher in paper quality compatible, citing the State Law 13.551/09;
- Make a payment of accounts preferably with a debit card, to ensure registration drive in current account statement;
- Avoid making bill payment in cash, mainly sundry payments;
- Note on invoices issued by companies of continuous service to confirm the discharge of the debt of the previous month (are phrases like "There are no outstanding debts" or "Payment made earlier");
- In the case of very important bills or liable to legal challenge: take a copy of the archive and extract payment along with the ticket and extract.
Source: Infomoney
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This article was translated by an automatic translation system, and was therefore not reviewed by people.