SOME CONSIDERATIONS RELATING TO THE UNFAIR TERMS WITHIN THE BANK CONTRACTS IN REGULATING OF THE LAW NO. 193/2000
Journal Title: Challenges of the Knowledge Society - Year 2013, Vol 3, Issue 0
Abstract
In this study, we intend to make a brief analysis of some issues relating to the unfair terms within the contracts concluded in the banking activity by the credit institutions with the consumers. The contracts concluded by the credit institutions with the consumers are contracts containing pre-formulated standard terms, meaning that they are set out prior to the conclusion of the contract and submitted to the consumer, substantially reducing the possibility to negotiate them. On the other hand, due to the highly technical nature of the banking regulations and the terminology used by them, in the bank contracts there are several terms for whose understanding the consumer needs specialized knowledge. Precisely for this reason, the legislator regulates a number of conditions relating to the negotiation and conclusion of the contracts between the professionals and the consumers, as well as the identification and finding of the unfair terms within the contracts. At the same time, in the content of the bank contracts may also be identified certain terms that are part of the examples listed in the Appendix to the Law no. 193/2000.
Authors and Affiliations
VASILE NEMEŞ
Keywords
Related Articles
- EP ID EP147147
- DOI -
- Views 98
- Downloads 0
POPULATION POLICY OR SOCIAL POLICY?
After 1989, the demographic situation of Romania population experienced a dramatic, very concerning and dangerous evolution trend. One of the first measures of the new political power was to abolish the very restrictive,...
THE FRACTAL MARKET HYPOTHESIS
In this article, the concept of capital market is analysed using Fractal Market Hypothesis which is a modern, complex and unconventional alternative to classical finance methods. Fractal Market Hypothesis is in sharp opp...
THE PROCEDURE REGARDING THE ADMISSION OF GUILT
Considering the present normative framework, even if in criminal matters the transactions between the judicial organs, which exercise the procedural function of indictment, and the defendant are not permitted, the admiss...
EUROPEAN UNION’S COMMITMENT TO FIGHT AGAINST THE HUMAN BEINGS TRAFFICKING, THE MODERN FORM OF SLAVERY
ASPECTS OF COMPARATIVE LAW IN THE MATTER OF JUVENILE PRE-DELINQUENCY AND DELINQUENCY WITH TRENDS TOWARDS SANCTIONS AND PREVENTION
This study aims to be an interdisciplinary, criminal-criminological approach of the minority institution in terms of criminal liability, with an evolutionary dynamic of the pre-offense and post-offense assumptions. The o...