CONSUMER CREDITS, LOANS & MORTGAGES: – CJEU case law (Consumer protection) - Softcover

Pinn (ed.), Guillaume J.

9781705468685: CONSUMER CREDITS, LOANS & MORTGAGES: – CJEU case law (Consumer protection)

Softcover

ISBN 10: 1705468683 ISBN 13: 9781705468685

Publisher: Independently published, 2019

The consumer protection is a very important part of the legislative of the European Union. This is the second publication in the series “Consumer protection”. It brings the relevant case-law on unfair terms in the field of consumer credits, loans and mortgages.It is necessary to bring more effective protection of the consumer and that can be achieved by adopting uniform rules of law in the matter of unfair terms. Those rules should apply to all contracts concluded between sellers or suppliers and consumers. In this case the Court of Justice of the European Union has an important function because it brings unification also to interpretation of the consumer protection law. It is important that the internal market in consumer credit, loans and mortgages should offer a sufficient degree of consumer protection to ensure consumer confidence. Thus, it should be possible for the free movement of credit offers to take place under optimum conditions for both those who offer credit and those who require it, with due regard to specific situations in the individual Member States.Full harmonisation is necessary in order to ensure that all consumers in the Community enjoy a high and equivalent level of protection of their interests and to create a genuine internal market.So, in your hands (or in front of you on the screen) you have the collection of the relevant consumer protection case law of the Court of Justice of the European Union in the field of consumer contracts, consumer loans and mortgages.You will find here information about:- Consumer credit agreements,- Unfairness of the contractual terms relating to the consumer credits,- Interest rate and annual percentage rate,- Level of information to be provided by the financial institutions,- Consumer credits in foreign currency,- The powers and function of the national court, enforcement proceedings and arbitration proceedings,- Scope of the directive on credit agreements for consumers,- Obligation to check the borrower’s creditworthiness,- Rescheduling agreements, - Variable interest rates,- Debt recovery companies acting on behalf of lenders,- Limitation on the bank charges, etc.

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