Dr. Laura Bianchi Dr. Lara Ricci
The increase in online shopping has led to a rapid spread of virtual shops and services available to shoppers in the network. Among the methods of payment, used by consumers who buy on the internet, is gaining ground that the rate type that is beginning to be offered by many websites, thanks to the growth of sales of goods more expensive. This trend has already responded to several lenders time, first of all, in the case of electronic commerce, and Consel Agos, whose solution continues to be adopted by most e-shops that offer payment by installment.
to be noted that EU directives European e-commerce has created many controversies, it is still insufficient to create conditions that allow the potential client to make informed choices whether or not this possibility in terms of transparency because there are many online shops that still leave something to be desired. Exploring the various e-shop is easy to get an idea about: the 15 that have the opportunity to pay in installments (only one case has indicated a financial institution different from those mentioned above) only 6 show fairly clearly the disclosure documents. On the same page that explains the operation of these 6 years have also reported the official documents issued by the same financial. It is sheet analysis, the model contracts and other documents to be consulted to know the APR and maximum values \u200b\u200bof tan, contract terms, and other expenses related to the rescheduling. To read this data request is not registered with the site, or purchasing a product, anyone who wants to learn can do it before going ahead with any operation. The merit (at least at this early stage of the proceedings leading to the purchase decision) may be given to Consel and pursuing the policy of transparency: the sites in question are in fact to support it.
Unfortunately, in the 9 other cases the conditions in which the user is to click are not so clear: one of the exercises from a phone number to contact if you want to proceed in this way without even a nod to the credit institution to which it supports, three give confusing information listing only tags and Taen and sending in a generic way, without direct links to the conditions of financing, the site of ' the lending institution, then the other 5 are limited to describing what constitutes a claim to payment in installments and the terms that the customer purchase process or order of the product to become aware of the conditions. Basically, before I decide to buy the product and only then will I know how much and how will I pay for it. In the latter case, the obligation for the customer to pay only intervenes when the operation request of the funding is already at an advanced once check the field conditions, yet the consumer may still decide to leave the store without committing itself to pay. In this way it can at least avoid unwanted expenditure, but can not be returned to him time and money lost in complete and mail forms or data that will be provided to register for the site. When the client is a browser and then a bit 'naive, perhaps the first online purchases, sometimes does not know he could "withdraw" or when it ends and continue with the practice. Problem
to remember is that, already denounced in the past by several investigations, the lack of coincidence between the interest rates actually covered by the contract and those stated in advertising on sites to entice customers to buy.
League Consumers should read the contract terms before signing any form to apply for a loan, and take the time necessary to think carefully and consult an expert.
For further information you can call the numbers on the Consumers League of Perugia 075.5004969 - 075.5000949 - Via Sicilia n. 55/57 (Perugia).
to be noted that EU directives European e-commerce has created many controversies, it is still insufficient to create conditions that allow the potential client to make informed choices whether or not this possibility in terms of transparency because there are many online shops that still leave something to be desired. Exploring the various e-shop is easy to get an idea about: the 15 that have the opportunity to pay in installments (only one case has indicated a financial institution different from those mentioned above) only 6 show fairly clearly the disclosure documents. On the same page that explains the operation of these 6 years have also reported the official documents issued by the same financial. It is sheet analysis, the model contracts and other documents to be consulted to know the APR and maximum values \u200b\u200bof tan, contract terms, and other expenses related to the rescheduling. To read this data request is not registered with the site, or purchasing a product, anyone who wants to learn can do it before going ahead with any operation. The merit (at least at this early stage of the proceedings leading to the purchase decision) may be given to Consel and pursuing the policy of transparency: the sites in question are in fact to support it.
Unfortunately, in the 9 other cases the conditions in which the user is to click are not so clear: one of the exercises from a phone number to contact if you want to proceed in this way without even a nod to the credit institution to which it supports, three give confusing information listing only tags and Taen and sending in a generic way, without direct links to the conditions of financing, the site of ' the lending institution, then the other 5 are limited to describing what constitutes a claim to payment in installments and the terms that the customer purchase process or order of the product to become aware of the conditions. Basically, before I decide to buy the product and only then will I know how much and how will I pay for it. In the latter case, the obligation for the customer to pay only intervenes when the operation request of the funding is already at an advanced once check the field conditions, yet the consumer may still decide to leave the store without committing itself to pay. In this way it can at least avoid unwanted expenditure, but can not be returned to him time and money lost in complete and mail forms or data that will be provided to register for the site. When the client is a browser and then a bit 'naive, perhaps the first online purchases, sometimes does not know he could "withdraw" or when it ends and continue with the practice. Problem
to remember is that, already denounced in the past by several investigations, the lack of coincidence between the interest rates actually covered by the contract and those stated in advertising on sites to entice customers to buy.
League Consumers should read the contract terms before signing any form to apply for a loan, and take the time necessary to think carefully and consult an expert.
For further information you can call the numbers on the Consumers League of Perugia 075.5004969 - 075.5000949 - Via Sicilia n. 55/57 (Perugia).
Consumers League of Perugia
President Mr. Damiano Marinelli
President Mr. Damiano Marinelli
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