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{"id":6622,"date":"2012-09-14T11:00:53","date_gmt":"2012-09-14T10:00:53","guid":{"rendered":"http:\/\/o9atitudine.ro\/?p=6622"},"modified":"2012-09-15T01:21:29","modified_gmt":"2012-09-15T00:21:29","slug":"infocons-va-informeaza-curtea-de-justitie-a-uniunii-europene-precizeaza-intinderea-protectiei-consumatorilor-acordata-in-cadrul-contractelor-de-credit","status":"publish","type":"post","link":"http:\/\/o9atitudine.ro\/comunicate\/infocons-va-informeaza-curtea-de-justitie-a-uniunii-europene-precizeaza-intinderea-protectiei-consumatorilor-acordata-in-cadrul-contractelor-de-credit\/","title":{"rendered":"InfoCons va informeaza:  Curtea de Justitie a Uniunii Europene precizeaza intinderea protec\u021biei consumatorilor acordata in cadrul contractelor de credit"},"content":{"rendered":"<p>Directiva privind contractele de credit pentru consumatori prevede c\u0103, \u00een domeniile pe care le armonizeaz\u0103, statele membre nu pot men\u021bine sau introduce \u00een legisla\u021bia lor na\u021bional\u0103 dispozi\u021bii diferite fa\u021b\u0103 de cele stabilite de directiv\u0103. Directiva nu se aplic\u0103 insa contractelor de credit existente la data intr\u0103rii \u00een vigoare a m\u0103surilor na\u021bionale de punere \u00een aplicare.<\/p>\n<p>\u00cen Rom\u00e2nia, Directiva a fost transpus\u0103 \u00een dreptul intern printr-o ordonan\u021b\u0103 care a intrat \u00een vigoare la 22 iunie 2010. Aceasta prevede printre altele c\u0103 pentru creditul acordat, creditorul poate percepe numai: comision de analiz\u0103 dosar, comision de administrare credit sau comision de administrare cont curent, compensa\u021bie \u00een cazul ramburs\u0103rii anticipate, costuri aferente asigur\u0103rilor, dup\u0103 caz, penalit\u0103\u021bi, precum \u0219i un comision unic pentru servicii prestate la cererea consumatorilor.<\/p>\n<p>Prin hotararea pronuntata, Curtea de Justitie a Uniunii Europene a decis, in principal, ca:<\/p>\n<ol start=\"1\">\n<li>statele membre pot extinde prevederile Directivei 2008\/48\/CE si pentru contractele garantate cu un bun imobil;<\/li>\n<li>prevederile actului national de transpunere pot fi aplicate contractelor de credit ipotecar aflate in derulare;<\/li>\n<li>statele membre pot limita numarul comisioanelor percepute de creditori;<\/li>\n<li>orice consumator se poate adresa direct autoritatii de protectie a consumatorilor, fara a avea obligatia de a recurge, in prealabil la procedurile de solutionare extrajudiciara prevazute de legislatia nationala<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>Asociatia Nationala pentru Protectia Consumatorilor si Promovarea Programelor si Strategiilor din Romania -A.N.P.C.P.P.S.Romania \u2013 o9atitudine ! \u2013 InfoCons, unica organizatie din Romania cu drepturi depline in Consumers International, este o asociatie de consumatori neguvernamentala, reprezentativa, de drept privat, fara scop lucrativ, cu patrimoniu distinct si indivizibil, independenta, intemeiata pe principii democratice, ce apara drepturile consumatorilor \u2013 membra fondatoare a Federatiei Asociatiilor de Consumatori.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Directiva privind contractele de credit pentru consumatori prevede c\u0103, \u00een domeniile pe care le armonizeaz\u0103, statele membre nu pot men\u021bine sau introduce \u00een legisla\u021bia lor na\u021bional\u0103 dispozi\u021bii diferite fa\u021b\u0103 de cele stabilite de directiv\u0103. Directiva nu se aplic\u0103 insa contractelor de credit existente la data intr\u0103rii \u00een vigoare a m\u0103surilor na\u021bionale de punere \u00een aplicare.<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts\/6622"}],"collection":[{"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/comments?post=6622"}],"version-history":[{"count":2,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts\/6622\/revisions"}],"predecessor-version":[{"id":6624,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts\/6622\/revisions\/6624"}],"wp:attachment":[{"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/media?parent=6622"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/categories?post=6622"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/tags?post=6622"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}