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Problems of implementation of consumers’ rights to fair conditions of credit contracts: the insurance term

Bogdan Varvara Vladimirovna

Doctor of Law

Docent, the department of Civil Law, Southwest State University

305040, Russia, Kurskaya oblast', g. Kursk, ul. 50 Let Oktyabrya, 94, of. 535

KurskPravo@yandex.ru
Другие публикации этого автора
 

 
Alymov Anton Alexeevish

Master’s Degree, the department of Civil Law, Southwest State University

305040, Russia, Kursk, 50 Let Okryabrya 94, office #535

alymych@mail.ru
Другие публикации этого автора
 

 

DOI:

10.25136/2409-7136.2017.5.19089

Review date:

09-05-2016


Publish date:

09-06-2017


Abstract.

The authors give special attention to the problem of imposition of insurance services on consumers in credit contracts. The inclusion of a borrower into the insurance program together with the conclusion of a credit contract is a wide-spread practice of imposition of a hidden financial burden on a borrower, since such insurance services are fee-based. Banks, which have no right to provide insurance, act as mediators. The authors consider the procedure of conclusion of credit contracts containing the insurance term, and the judicial practice in this field of civil law. The authors use the methods of analysis, abstraction and specification, and define the conditions of effective law enforcement for contestation of credit contracts containing the insurance term. The scientific novelty of the study consists in the proposed ways to solve the problem of illegal imposition of insurance services on a consumer when concluding a credit contract. The authors conclude that the analysis and the proposals, formulated in this paper, can be used for further improvement of the legislation on consumer’ rights and citizens’ rights protection. 

Keywords: consumer's rights protection, lender, borrower, Bank, consumer, insurance, service, credit contract, solicitation, responsibility
This article written in Russian. You can find full text of article in Russian here .

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