Contract de credit, denunţat unilateral de bancă pentru neplată. Clauze abuzive- admisibilitate acţiune. Variabilitatea marjei băncii. Revizuirea dobânzii şi a comisioanelor. Comisioanele de acordare credit, de administrare credit, de urmărire riscuri şi de rambursare anticipată a creditului. Directiva 93/13/CEE privind clauzele abuzive în contractele încheiate cu consumatorii

Credit agreement, terminated by the bank for lack of payment. Abusive clauses - admissibility of action. Variability of the bank’s margin. Revision of interest and fees. Credit fees, credit management fees, risk tracking fees and early repayment fees. Directive 93/13/CEE on unfair terms in consumer contracts

Abstract

Consumer protection is governed by public policy provisions; a contractual clause established by the court as abusive is affected by absolute nullity, and the action for confirmation is not subject to the limitation term.

The examination of unfair terms from the perspective of abusive nature presupposes...