The formalities of a credit contract Creditors are required to assess their creditworthiness before you are declared ready to offer you a credit contract or to increase the amount of the loan. The creditor`s decision to offer you credits or to increase or renew your credit must be based on the information you provide and on all the necessary information collected by the reference credit agencies. If you want to return defective goods without a receipt, proof of purchase – such as an account statement. B – is sufficient evidence to prove that you bought the goods. If you have paid for an advanced or express delivery and return the defective goods at an early stage, they will also be refunded. Note that the right of withdrawal mentioned above applies only to the credit contract. It does not apply to goods or services you purchased with the credit contract. This means that you should always find another way to pay them or return them to the supplier (if your contract with the supplier allows). They must keep all goods safe until they are recovered. Before signing a credit contract, entry into a credit contract should not be done without consideration.
They could commit to paying large sums of money for a long period of time. Before signing, note that, in accordance with the Goods Sale Act (which applies to goods purchased before October 1, 2015), the deadline was much less clear by three to four weeks. You must repay all the money you received from the lender and all the interest accrued since the amount of the dive-dementia. If you have paid a down payment or partial payment for goods or services you purchase on credit, you should get all your money back if you cancel, unless you have arranged your own credit, for example. B a separate loan from a bank. The supply of goods and services that you can pay for through credit is very varied. If you have received goods financed by an agreement from which you have withdrawn (unlike your 14 days of cooling), you are obliged to take care of them and not throw them away until they are returned to the supplier. You should note that you may have additional retraction rights for non-commercial contracts (for example. B signed at home) and distance sales contracts (z.B online) in accordance with consumer contracts (information, cancellation and additional charges) 2013.
More information can be found in our “Buy at Home – “Off-Premise” Explained and “Buying over the Internet, By Phone and Mail Order – “Remote Contracts Explained.” If the customer has paid through a credit facility that you provided, you may be held responsible for property and service issues in certain situations. In this case, you may need to provide the customer with a repair, replacement or refund. Credit Repair Agencies Beware of companies that promise to repair your loan for a fee. They do not have the power to do something that you cannot do yourself. This right does not apply to defective digital content. The distributor has the option of repairing or replacing digital content of unsatisfactory quality, useless or not as described, before it can request a refund for a digital download.
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