SCIENTIFIC VALUES ON THE EUROPEAN LEGAL REGULATION ON THE CONSUMER CREDIT AGREEMENT
With the increase of revenue, including in the budget sphere, which stimulates the planning of purchases of products that could improve the quality of life, with the reduction of interest rates by banks, the citizens are increasingly stimulated to conclude credit agreements. The subjects of the civi...
| Main Authors: | , |
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| Format: | Article |
| Language: | English |
| Published: |
Alexandru Ioan Cuza University of Iasi
2021-08-01
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| Series: | EURINT |
| Subjects: | |
| Online Access: | https://eurint.uaic.ro/proceedings/articles/EURINT2021_PLO.pdf |
| _version_ | 1798038683161460736 |
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| author | Olesea PLOTNIC Rodica CRUDU |
| author_facet | Olesea PLOTNIC Rodica CRUDU |
| author_sort | Olesea PLOTNIC |
| collection | DOAJ |
| description | With the increase of revenue, including in the budget sphere, which stimulates the planning of purchases of products that could improve the quality of life, with the reduction of interest rates by banks, the citizens are increasingly stimulated to conclude credit agreements. The subjects of the civil legal relationship in consumer law must be on the one hand the consumer and on the other hand the professional, the entrepreneur, the creditor. From the essence of the notions, obtained by the common law and Directive 2008/48 / on consumer credit agreements, it follows that the notion of consumer and professional, is notions that includes the legal relationship in the sense of consumer protection law, and the notion of creditor. Through this research paper we propose to analyze the credit agreement both from the perspective of common law and agreement to special rules established by Directive no. 2008/48 and the Law Rep. of Moldova no.202 / 2013 regarding the credit agreement for consumers. |
| first_indexed | 2024-04-11T21:43:32Z |
| format | Article |
| id | doaj.art-0aa1c547c0944ba79f14c5da9cf2677a |
| institution | Directory Open Access Journal |
| issn | 2393-2384 |
| language | English |
| last_indexed | 2024-04-11T21:43:32Z |
| publishDate | 2021-08-01 |
| publisher | Alexandru Ioan Cuza University of Iasi |
| record_format | Article |
| series | EURINT |
| spelling | doaj.art-0aa1c547c0944ba79f14c5da9cf2677a2022-12-22T04:01:29ZengAlexandru Ioan Cuza University of IasiEURINT2393-23842021-08-018135149SCIENTIFIC VALUES ON THE EUROPEAN LEGAL REGULATION ON THE CONSUMER CREDIT AGREEMENTOlesea PLOTNICRodica CRUDUWith the increase of revenue, including in the budget sphere, which stimulates the planning of purchases of products that could improve the quality of life, with the reduction of interest rates by banks, the citizens are increasingly stimulated to conclude credit agreements. The subjects of the civil legal relationship in consumer law must be on the one hand the consumer and on the other hand the professional, the entrepreneur, the creditor. From the essence of the notions, obtained by the common law and Directive 2008/48 / on consumer credit agreements, it follows that the notion of consumer and professional, is notions that includes the legal relationship in the sense of consumer protection law, and the notion of creditor. Through this research paper we propose to analyze the credit agreement both from the perspective of common law and agreement to special rules established by Directive no. 2008/48 and the Law Rep. of Moldova no.202 / 2013 regarding the credit agreement for consumers. https://eurint.uaic.ro/proceedings/articles/EURINT2021_PLO.pdfconsumersprotectioncontractcreditinterestsagreement |
| spellingShingle | Olesea PLOTNIC Rodica CRUDU SCIENTIFIC VALUES ON THE EUROPEAN LEGAL REGULATION ON THE CONSUMER CREDIT AGREEMENT EURINT consumers protection contract credit interests agreement |
| title | SCIENTIFIC VALUES ON THE EUROPEAN LEGAL REGULATION ON THE CONSUMER CREDIT AGREEMENT |
| title_full | SCIENTIFIC VALUES ON THE EUROPEAN LEGAL REGULATION ON THE CONSUMER CREDIT AGREEMENT |
| title_fullStr | SCIENTIFIC VALUES ON THE EUROPEAN LEGAL REGULATION ON THE CONSUMER CREDIT AGREEMENT |
| title_full_unstemmed | SCIENTIFIC VALUES ON THE EUROPEAN LEGAL REGULATION ON THE CONSUMER CREDIT AGREEMENT |
| title_short | SCIENTIFIC VALUES ON THE EUROPEAN LEGAL REGULATION ON THE CONSUMER CREDIT AGREEMENT |
| title_sort | scientific values on the european legal regulation on the consumer credit agreement |
| topic | consumers protection contract credit interests agreement |
| url | https://eurint.uaic.ro/proceedings/articles/EURINT2021_PLO.pdf |
| work_keys_str_mv | AT oleseaplotnic scientificvaluesontheeuropeanlegalregulationontheconsumercreditagreement AT rodicacrudu scientificvaluesontheeuropeanlegalregulationontheconsumercreditagreement |