THE SPECIFIC OF THE CONSUMER’S EUROPEAN RIGHT OF BANK CREDIT

Mariana Rodica Țîrlea
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Mariana Rodica Țîrlea: Dimitrie Cantemir Christian University Bucharest, Faculty of Economic Sciences Cluj-Napoca

Management Intercultural, 2015, issue 33, 139-143

Abstract: According to Directive 93/13 / EEC on unfair terms in consumer contracts, "legislation of Member States on unfair terms in contracts concluded with consumers show significant divergences” (Official Journal of the European Union 31993L0013 - L 095/29). Therefore, the solution to eliminate these differences of balance in bank lending contracts requires promptly a consumer protection against unfair terms by adopting uniform rules of European law concerning unfair clauses. With this protection is desired that this would be subject to all contracts concluded between sellers or suppliers and consumers, to be harmonized at Community level or adopted directly at Community level, to be provided both in the laws, regulations and administrative nature acts, because to the Member States of the European community falls the responsibility to ensure that in contracts concluded with consumers there are not provided unfair clauses.

Keywords: Consumer; Professional; Bank credit agreement; Unfair terms; European consumer law; Protection of Community harmonization (search for similar items in EconPapers)
JEL-codes: G21 (search for similar items in EconPapers)
Date: 2015
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Persistent link: https://EconPapers.repec.org/RePEc:cmj:interc:y:2015:i:33:p:139-143

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