Credit rating legal legal rights, the conventional European credit rating Ideas type, creditworthiness evaluation, financial obligation advice and distance advertising of economic solutions.
- Report on the customer Credit Directive
- Credit legal rights
- Credit rating information
- Creditworthiness evaluation: maxims and mapping
- Over-indebtedness and Debt Advice
- Distance marketing of economic solutions
- Behavioural research on digitalisation
- Associated links
Post on the buyer Credit Directive
As an element of its EU consumer policy modification, the Commission has undertaken overview of the Directive on credit agreements for consumers (2008/48/EC). The effort follows its evaluation that is recent highlighted a few challenges hindering its functioning, in specific, in terms of range, information provision and creditworthiness evaluation. It will require into consideration the effect of COVID-19 in the credit market as well as on customers, including susceptible people.
Credit legal rights
Whenever taking out fully credit, you can find guidelines in destination to make sure a real solution, should it is required.
The ability to help make informed choices
Customers have actually the proper to get adverts containing information that is standard and demand information through the credit provider regarding the conditions and terms for the agreement. This information that is pre-contractual to contain most of the standardised products, that will be later replicated when you look at the contract.
The ability to improve your brain
After signing a credit agreement, consumers have actually the ability to alter their brain and withdraw from credit contract without offering any good explanation within week or two.
The proper to pay off ahead of the time
If Д±ndividuals are in a position to spend their credit back sooner than foreseen within the agreement, they will have the straight to pay off their credit in advance.
A creditor should always offer information that is key a standardised format called the Standard European Consumer Credit Ideas type. Continua la lectura de Customer security in monetary solutions Credit definition