If they are not satisfied with the outcome, a formal complaint may be lodged with the Ombudsman for Financial Services and Pensions. The Ombudsman has the power to compensate the consumer in cases where his rights have been violated or where there is evidence of unfair treatment. Leases can be concluded with banks, mortgage companies, financial companies and certain retail businesses, for example garages. The store or garage doesn`t really provide the credit. He acts as an agent for a financial company and earns commissions from the finance company for the intermediation of the loan. E. A card or device that can be activated after receipt to access credits, even if the card has a use other than credit, for example. B a purchase price reduction card. Such a card or device is a credit card, notwithstanding the fact that the recipient must first contact the card issuer to access or activate the credit function.
vii. Execution of option contracts. However, if the account number can also access the line of credit to acquire goods or services (for example. B an account number that can be used to purchase goods or services over the Internet), the account number is a credit card within the meaning of section 1026.2 (a) (15) (i), whether the creditor treats such transactions as purchases, cash advances or any other type of transaction. If the line of credit is also accessible with a card (for example. B a debit card), that card is a credit card within the meaning of point (i) of Article 1026(2)(a)(15). A written (not oral) agreement to be paid in addition to four instalments. A letter confirming only an oral agreement does not constitute a written agreement within the meaning of the definition.
You are responsible for payments in full of your service invoice. Payments apply as follows: first for outstanding balances, then for outstanding balances due. If the Service is suspended, interrupted or cancelled, you will remain responsible for all payments under this Agreement. Your payment obligations under this Agreement are not subject to the provision of services. If you make instalment payments before the due date, there is no change in the due dates or amounts of the expected payments. 4. Count transactions. For the purposes of the credit contracted, the lender shall account for any credit transaction. In the case of open credit, transactions are accounts, so unpaid accounts are counted instead of individual credit renewals….