Post by messi05 on Jan 24, 2024 14:32:26 GMT 5.5
The information transmitted there is essential for the formation of consumer consent. Considering that guardianship standards have among their objectives the reintegration of rationality in consumer relations, it is natural that greater effort is expended so that consumer choices are reflected and self-determined. The rationalization of consumer options is certainly the most important function of the information obligation. When concluding a contract, it is also essential to fully comply with the obligation to inform, and contracts must be presented in writing and always written clearly, making it easier for the consumer to understand. Finally, the obligation to inform extends to the execution of the contract and the post-contractual phase, covering the entire duration of the contract.
This becomes especially relevant in long-term Buy Phone Number List contracts, as bank contracts tend to be. Clear, precise and appropriate information for the consumer's special needs. In bank loan contracts, information such as: consignable margin and the basis for calculating installments is essential; incidence of aggregate operating costs and any other fees or surcharges that may be applicable; interest rate; total loan amount, with and without interest; value, number and frequency of installments; The start and end dates of the installments are essential for the proper fulfillment of the obligation to inform.
Furthermore, the financial institution must request clarification regarding the existence of other debts, as well as regarding the consumer's expenses and, depending on the case and the amount of commitment of the consignee's income, warn of the risks or even advise not to carry out the transaction. It is important to remember that credit concerns what the person can pay in the future and not what they can pay at the moment, and this care must be supported by the supplier, whose responsibility is to offer productive credit (i.e., a means to improve the condition financial situation of the consumer, which occurs through the use of credit in a productive activity, which must be analyzed by the financier) and which, by not doing so, assumes the risk of the business. This can be called responsible credit granting.
This becomes especially relevant in long-term Buy Phone Number List contracts, as bank contracts tend to be. Clear, precise and appropriate information for the consumer's special needs. In bank loan contracts, information such as: consignable margin and the basis for calculating installments is essential; incidence of aggregate operating costs and any other fees or surcharges that may be applicable; interest rate; total loan amount, with and without interest; value, number and frequency of installments; The start and end dates of the installments are essential for the proper fulfillment of the obligation to inform.
Furthermore, the financial institution must request clarification regarding the existence of other debts, as well as regarding the consumer's expenses and, depending on the case and the amount of commitment of the consignee's income, warn of the risks or even advise not to carry out the transaction. It is important to remember that credit concerns what the person can pay in the future and not what they can pay at the moment, and this care must be supported by the supplier, whose responsibility is to offer productive credit (i.e., a means to improve the condition financial situation of the consumer, which occurs through the use of credit in a productive activity, which must be analyzed by the financier) and which, by not doing so, assumes the risk of the business. This can be called responsible credit granting.