Cobros indebidos por productos no financieros realizados por una Entidad Financiera en Guayaquil en el año 2019
Fecha
2021-04
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Universidad de Guayaquil, Facultad de Jurisprudencia Ciencias Sociales y Polìticas
Resumen
El derecho al consumidor reconocido en nuestra Constitución de la Republica del Ecuador determina la obligatoriedad de ofertar o brindar productos o servicio de forma clara y no engañosa, las acciones existentes que contradiga este derecho se considera una vulneración grave, por lo cual se determina la reparación e indemnización del derecho vulnerado. En nuestro presente trabajo de investigación a través de un análisis jurídico demostramos la existencia de la vulneración del derecho al consumidor cuando existe el cobro de seguro de tarjetas de créditos por parte de las entidades financieras bancarias sin la aceptación expresa y escrita del tarjetahabiente, a su vez explicamos sobre pugna entre el Derecho Civil ‘’Pacta Sunt Servanda’’ y el derecho Universal del Consumidor.
The consumer right recognized in our Constitution of the Republic of Ecuador determines the obligation to offer or provide products or services in a clear and non-misleading way, the existing actions that contradict this are considered a serious violation, for which the repair and compensation for the violated right. In our present research work through a legal analysis, we demonstrate the existence of the violation of the consumer right when there is the collection of credit card insurance by the banking financial entities without the express and written acceptance of the cardholder. Once we explain about the conflict between the Civil Law `` Pacta Sunt Servanda '' and the Universal Consumer Law.
The consumer right recognized in our Constitution of the Republic of Ecuador determines the obligation to offer or provide products or services in a clear and non-misleading way, the existing actions that contradict this are considered a serious violation, for which the repair and compensation for the violated right. In our present research work through a legal analysis, we demonstrate the existence of the violation of the consumer right when there is the collection of credit card insurance by the banking financial entities without the express and written acceptance of the cardholder. Once we explain about the conflict between the Civil Law `` Pacta Sunt Servanda '' and the Universal Consumer Law.
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TARJETAHABIENTE, CONSUMIDOR, DERECHO, VULNERACIÓN, SEGURO, CONTRATO.