L498 What Does This Pill Do

Permissions consumer banking

primary and most important consumer law, consumer credit issues is the possibility of breaking the agreement during the three days after its signing. If the contract there was no mention about it (which is already breaking the law by the lender) this time is extended to ten days. These ten days counted from the moment when the borrower was informed that it has the right to terminate the contract.

If the consumer repays a loan before the deadline for repayment, they are no longer accrue interest him. On that basis, the bank can not claim any claim by the consumer. However, this is only if the loan is repaid in Polish money.

The foreign exchange loans and those fixed rate during the loan agreement (if the amount is more than five thousand), then the question may be charged a fee.

Where crediting institutions are not in the contract will include the minimum information specified in this Act shall cease the same right to collect the interest payable by the consumer. The consumer is then obligated to pay the loan in the manner and date shown in the contract.

If the loan agreement are not given clear information about what is the deadline for repayment, the consumer has the right to repay the loan in equal monthly installments. The creditor, however, in the case niezamieszczenia such information in the contract, exposes himself to a fine.

more about consumer rights can be found in the source, namely the Law of 20 July 2001 on consumer credit (OJ of 18 September 2001, No. 100, item. 1081).

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Consumer Credit

Consumer Credit Act came into force on the nineteenth of September 2002. Clearly it affected the consumer's right to use the credits. These rights have been largely expanded. The provisions in this law apply to all businesses who provide consumer credit.

This Act applies primarily to banks, but also for other institutions that provide financing to customers. This is primarily for loans, bank loans, hire purchase and loans which are granted by the co-operative savings and credit.

provisions of the new law but do not include housing loans, consumer loans below $ 500, or above 80 000 PLN, as well as those whose repayment period exceeds three months.

Besides, we also include loans for which the consumer does not incur any expenses, loans, lease receivables and loans, which resulted from the fact that postponement of payment for municipal services.

Terms of formal credit agreement

credit agreement must be in writing. Mandatory elements of this agreement are:

- the consumer, his name, address and data lender

- determination of the loans,

- establish the rules and terms of loan repayment,

- determine the type of charge,

- ; breakdown of other fees associated with granting the loan,

- provide reliable information about the total cost of credit and an annual interest rate,

- ; term effects of early repayment,

- information on the effects that cause not sticking to deadlines and unregulated charges.

When signing a credit agreement should pay particular attention to given the total cost of credit.

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What are the conditions for consumer sales?

first January 2003, entered into force amendments to the Act of July 27, 2002, whose contents are specific conditions for consumer sales and changes in the Code civilian. The main reason for these changes was to bring Polish law to the standards that apply to the European Union. With this, consumers have gained more rights, and rights have been severely reduced as dealers and distributors.

These provisions, however, did not affect in any way, sales of services.

vendor liability

This seller is responsible for any non-conformity. This responsibility is much greater than it was before the introduction of the new law. So it may happen that a seller will be responsible the condition of the goods whose usefulness can not even check.

Goods, which is available for sale must meet the following requirements. Necessary for the product bears the information for the consumer. It must be clear and bright, be in Polish. In addition, the price necessarily, as a unit and detailed Instukcja service.

As for the user, and for any errors that are in it are the responsibility of the vendor.

Consumer Claims

If the consumer finds that the goods you bought clearly does not meet certain requirements, be entitled to this by:

- have a request a free repair or replacement of the product. If this is not fulfilled by the seller client may request a price reduction or rescind the contract.

consumer is protected by a presumption, by which any non-compliance of the product with the contract, for a period of six months after purchase.

terms of limitation for claims investigation and

Seller is responsible for the product for two years from its sale. Non-compliance of goods with the contract the client must report no later than two months from the date of purchase. Seller has two weeks to respond to the assertion consumer. Consumer's claim is barred after one year from the time of the finding. Prescription can not be completed earlier than two years after the date of delivery.