Some consumer loan providers keep complicated general terms and conditions behind a relatively comprehensible contract. These often include a decision clause governing disputes between the creditor and the debtor. However, the decision of a woman is much more inappropriate than a classic court. Don’t get cornered.

The decision is undoubtedly appropriate in some cases, but only for the same time the counterparty is prepared, which in the case of consumer loans is not. A lot of debtors in connection with consumer seams sign a contract and consent to the decision of the court before the court in a situation where the business does not know what is going on.

You may argue that only a very small intelligent individual signs something I do not understand, but the reference to general business conditions in the domestic practice of consumer parties is at least very wonderful.

General terms and conditions with a magnifying glass, you won’t even get them somewhere
The reference to the decision of the clause could easily be directly in the contract of the year. Unfortunately, this is not the case and in the contract we find a reference to the general terms and conditions, which are part of the contract. While the contract of union is quite understandable, it is not so related to the business conditions. In the first place, it is a document usually made in the smallest dog, also only this fact usually discourages the client from their study.

He gave a complicating check in their analysis of a long time. In the case of increased letters to the usual size, the general business conditions grow into a large number of parties and their comprehensibility for the average citizen is not exactly regular. It is evident that their analysis will send them several hours of work for the first and the hunter will probably shake his hand over them.

“Tenics on the cake” are financial companies that refer to the general terms and conditions in the sense that they are part of the contract and are published only in the business premises (for example, in the lobby). The client does not get them physically in hand with the contract at all. It is a sad fact that this is not the duty of the companies. Business conditions only need to exist somewhere (change of branch office, company website, etc.)

Do not sign such contracts!
Do not sign the offered contract form directly at the branch, but take them home for study. Even in the field of consumer loan providers, there is a fierce competition and it pays to visit more society. It is not best to automatically choose the least roen vru, but to demand from the provider the right of the contract in favor (delete the decision of the clause, etc.). I always stick to the rules, I don’t sign anything I don’t understand or it’s inappropriate for me.
Assuming that the population follows this rule, but the vast majority of people who take out loans will calmly sign under such an inappropriate contract, even without knowing the consequences of their doubts or thinking about the future in some way.

Of course, the form of general terms and conditions (had a letter or only a reference to a university in the company) encourages the idea that the provider does not even have the interest that clients are qualified to get acquainted with the exact content of their volumes.

Approaching in court decisions is usually not in court, but you have minimal
Although the layman may think that the decision is somewhat more pleasant, not being in court for breach of his contractual obligations, so in the case of these credit agreements, a very fast process will be established.

The usual impetus for women’s decisions is some provincial longevity. Most often it is the bottom with the castle of installments on the basis of the agreed installment calendar. In such a case, the creditor submits an application to the arbitrator specified in the general terms and conditions and he starts the decision.

The decision itself is, in contrast to the judiciary, much more demanding on the consumer’s first knowledge (debt) and especially on the ability to react. Alob by the creditor is followed by an invitation from the arbitrator addressed to the debtor to issue alob. The latter has only a few weeks to react, and if he does not react, his consent to the content of the creditor’s claim is assumed. The result is a very quick decision in favor of the creditor with very severe sanctions.

The creditor (for example, a financial company) can choose his arbitrator (it is stated in the contract) and several times even thousands of similar cases, which means a very interesting business for the arbitrator. We must therefore ask ourselves how objectively such an arbitrator will assess disputes between the creditor and the debtor.

The penalty for mistakes is right, but what about proportionality

It is right to punish debtors who do not fulfill their obligations. Unfortunately, these decision clauses became an inadequate debt hunt. By that I mean the real cases when the people drank about a hundred thousand crowns and did not fulfill it. At present, however, their volumes (originally a few thousand or so thousands) in some cases (years, sanctions, arbitration fees) have yielded up to several hundred thousand crowns and according to growth. Is it really adequate to punish long-term?

I do not agree with the opinion of many representatives that this is a standard and fair procedure for a long time. On the one hand, they are not interested in concluding contracts with an exclusive decision clause to replace the possibility of ordinary litigation, and at the same time they are not interested in acquainting the client with the very consequences of such an agreement (business conditions with an illegible font).

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