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...

According to the abuse, unfair terms, contract, bank loan credit, consumer, professional, the concept of abuse is defined as a violation of law; an illegal act. The synonyms dictionary Synonyms (2002) sees abuse as an excess. From the NODEX perspective, abuse is defined as: 1) lack of measure;...

The problem of protecting the rights and interests of individuals, being consumers in loan agreements, against malpractice, was nationally raised in 1992 and at the community’s level by the Council Directive 87/102/EEC in the 22nd of December 1986 balancing laws, regulations and administrative...

The credit is a source for financing consumption as well as a power creating imbalances when credits do not comply with the destination they were awarded for, provided that the customer evaluation is not real and does not provide sufficient guarantees. The need for liquidity is given by the...