Суд постановил, что условия кредитования нарушают права потребителей 14 Мая 2025
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Решение было принято после заявления директора службы по защите прав потребителей, который обратился в суд с требованием запретить HFC использовать эти пункты в своих договорах.

Согласно заявлению службы, суд признал несколько условий недобросовестными. Среди них — право организации взимать банковские комиссии и другие расходы по своему усмотрению и в любое время без чётких ограничений или одобрения потребителя.

Также незаконной была признана возможность HFC сокращать или отменять субсидии по процентным ставкам, когда она того пожелает, а также право организации в одностороннем порядке изменять процентные ставки по кредитам и связанные с ними сборы. Суд также отменил пункт, позволяющий организации объединять различные счета, принадлежащие клиенту, и использовать деньги с любого из них для погашения долгов в любой момент и без предупреждения заёмщика.

В своём заявлении служба по защите прав потребителей сообщила, что её главным приоритетом является обеспечение соблюдения закона для защиты прав потребителей. Она призвала все предприятия избегать включения недобросовестных пунктов в контракты и напомнила потребителям о необходимости всегда читать условия перед подписанием любого соглашения.

Служба добавила, что она активно следит за рынком и уже начала новое расследование подобных практик. Она предупредила, что компании, не соблюдающие закон, столкнутся с соответствующими мерами. [~DETAIL_TEXT] => Суд в Никосии во вторник вынес решение против государственной Жилищной финансовой корпорации (HFC) за включение несправедливых условий в свои кредитные договоры с потребителями, нарушая законы Кипра о защите прав потребителей.

Решение было принято после заявления директора службы по защите прав потребителей, который обратился в суд с требованием запретить HFC использовать эти пункты в своих договорах.

Согласно заявлению службы, суд признал несколько условий недобросовестными. Среди них — право организации взимать банковские комиссии и другие расходы по своему усмотрению и в любое время без чётких ограничений или одобрения потребителя.

Также незаконной была признана возможность HFC сокращать или отменять субсидии по процентным ставкам, когда она того пожелает, а также право организации в одностороннем порядке изменять процентные ставки по кредитам и связанные с ними сборы. Суд также отменил пункт, позволяющий организации объединять различные счета, принадлежащие клиенту, и использовать деньги с любого из них для погашения долгов в любой момент и без предупреждения заёмщика.

В своём заявлении служба по защите прав потребителей сообщила, что её главным приоритетом является обеспечение соблюдения закона для защиты прав потребителей. Она призвала все предприятия избегать включения недобросовестных пунктов в контракты и напомнила потребителям о необходимости всегда читать условия перед подписанием любого соглашения.

Служба добавила, что она активно следит за рынком и уже начала новое расследование подобных практик. Она предупредила, что компании, не соблюдающие закон, столкнутся с соответствующими мерами. [DETAIL_TEXT_TYPE] => html [~DETAIL_TEXT_TYPE] => html [PREVIEW_TEXT] => Суд в Никосии во вторник вынес решение против государственной Жилищной финансовой... [~PREVIEW_TEXT] => Суд в Никосии во вторник вынес решение против государственной Жилищной финансовой... 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The ruling came after an application by the director of the consumer protection service, who sought a court order to stop the HFC from using these clauses in its contracts. According to a statement from the service, the court found several terms to be abusive. These included the organisation’s right to charge banking fees and other costs at its sole discretion and at any time, without clear limits or consumer approval. Also deemed unlawful was the HFC’s ability to cut or cancel interest rate subsidies whenever it wished, as well as its right to change loan interest rates and related charges unilaterally. The court also struck down a clause allowing the organisation to merge different accounts belonging to a customer and to use money from any of them to repay debts, at any moment and without warning the borrower. In its statement, the consumer protection service said its top priority is to enforce the law to safeguard consumer rights. It urged all businesses to avoid abusive clauses in contracts and reminded consumers to always read the terms before signing any agreement. The service added that it is actively monitoring the market and has already launched a new investigation into similar practices. It warned that companies failing to comply with the law will face appropriate action. [TYPE] => HTML ) [DESCRIPTION] => [VALUE_ENUM] => [VALUE_XML_ID] => [VALUE_SORT] => [~VALUE] => Array ( [TEXT] => A Nicosia court ruled on Tuesday against the state-owned Housing Finance Corporation (HFC) for including unfair terms in its loan agreements with consumers, in breach of Cyprus’ consumer protection laws. The ruling came after an application by the director of the consumer protection service, who sought a court order to stop the HFC from using these clauses in its contracts. According to a statement from the service, the court found several terms to be abusive. These included the organisation’s right to charge banking fees and other costs at its sole discretion and at any time, without clear limits or consumer approval. Also deemed unlawful was the HFC’s ability to cut or cancel interest rate subsidies whenever it wished, as well as its right to change loan interest rates and related charges unilaterally. The court also struck down a clause allowing the organisation to merge different accounts belonging to a customer and to use money from any of them to repay debts, at any moment and without warning the borrower. In its statement, the consumer protection service said its top priority is to enforce the law to safeguard consumer rights. It urged all businesses to avoid abusive clauses in contracts and reminded consumers to always read the terms before signing any agreement. The service added that it is actively monitoring the market and has already launched a new investigation into similar practices. It warned that companies failing to comply with the law will face appropriate action. 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#SITE_DIR#/news/#CODE#/ [~SECTION_PAGE_URL] => #SITE_DIR#/news/#CODE#/ [PICTURE] => [~PICTURE] => [DESCRIPTION] => [~DESCRIPTION] => [DESCRIPTION_TYPE] => text [~DESCRIPTION_TYPE] => text [RSS_TTL] => 24 [~RSS_TTL] => 24 [RSS_ACTIVE] => Y [~RSS_ACTIVE] => Y [RSS_FILE_ACTIVE] => N [~RSS_FILE_ACTIVE] => N [RSS_FILE_LIMIT] => 0 [~RSS_FILE_LIMIT] => 0 [RSS_FILE_DAYS] => 0 [~RSS_FILE_DAYS] => 0 [RSS_YANDEX_ACTIVE] => N [~RSS_YANDEX_ACTIVE] => N [XML_ID] => infoportal_news_s1 [~XML_ID] => infoportal_news_s1 [TMP_ID] => adf9113ce97738184efe133d53e3d656 [~TMP_ID] => adf9113ce97738184efe133d53e3d656 [INDEX_ELEMENT] => Y [~INDEX_ELEMENT] => Y [INDEX_SECTION] => N [~INDEX_SECTION] => N [WORKFLOW] => N [~WORKFLOW] => N [BIZPROC] => N [~BIZPROC] => N [SECTION_CHOOSER] => L [~SECTION_CHOOSER] => L [LIST_MODE] => [~LIST_MODE] => [RIGHTS_MODE] => S [~RIGHTS_MODE] => S [SECTION_PROPERTY] => [~SECTION_PROPERTY] => [PROPERTY_INDEX] => [~PROPERTY_INDEX] => [VERSION] => 1 [~VERSION] => 1 [LAST_CONV_ELEMENT] => 0 [~LAST_CONV_ELEMENT] => 0 [SOCNET_GROUP_ID] => [~SOCNET_GROUP_ID] => [EDIT_FILE_BEFORE] => [~EDIT_FILE_BEFORE] => [EDIT_FILE_AFTER] => [~EDIT_FILE_AFTER] => [SECTIONS_NAME] => Разделы [~SECTIONS_NAME] => Разделы [SECTION_NAME] => Раздел [~SECTION_NAME] => Раздел [ELEMENTS_NAME] => Новости [~ELEMENTS_NAME] => Новости [ELEMENT_NAME] => Новость [~ELEMENT_NAME] => Новость [EXTERNAL_ID] => infoportal_news_s1 [~EXTERNAL_ID] => infoportal_news_s1 [LANG_DIR] => / [~LANG_DIR] => / [SERVER_NAME] => russiancyprus.news [~SERVER_NAME] => russiancyprus.news ) [SECTION] => Array ( [PATH] => Array ( [0] => Array ( [ID] => 2 [~ID] => 2 [TIMESTAMP_X] => 2025-01-20 22:54:27 [~TIMESTAMP_X] => 2025-01-20 22:54:27 [MODIFIED_BY] => 1 [~MODIFIED_BY] => 1 [DATE_CREATE] => 2015-04-24 10:15:32 [~DATE_CREATE] => 2015-04-24 10:15:32 [CREATED_BY] => 1 [~CREATED_BY] => 1 [IBLOCK_ID] => 2 [~IBLOCK_ID] => 2 [IBLOCK_SECTION_ID] => [~IBLOCK_SECTION_ID] => [ACTIVE] => Y [~ACTIVE] => Y [GLOBAL_ACTIVE] => Y [~GLOBAL_ACTIVE] => Y [SORT] => 5 [~SORT] => 5 [NAME] => Общество и политика [~NAME] => Общество и политика [PICTURE] => [~PICTURE] => [LEFT_MARGIN] => 1 [~LEFT_MARGIN] => 1 [RIGHT_MARGIN] => 2 [~RIGHT_MARGIN] => 2 [DEPTH_LEVEL] => 1 [~DEPTH_LEVEL] => 1 [DESCRIPTION] => [~DESCRIPTION] => [DESCRIPTION_TYPE] => text [~DESCRIPTION_TYPE] => text [SEARCHABLE_CONTENT] => Общество и политика [~SEARCHABLE_CONTENT] => Общество и политика [CODE] => society [~CODE] => society [XML_ID] => 111 [~XML_ID] => 111 [TMP_ID] => [~TMP_ID] => [DETAIL_PICTURE] => [~DETAIL_PICTURE] => [SOCNET_GROUP_ID] => [~SOCNET_GROUP_ID] => [LIST_PAGE_URL] => /news/ [~LIST_PAGE_URL] => /news/ [SECTION_PAGE_URL] => /news/society/ [~SECTION_PAGE_URL] => /news/society/ [IBLOCK_TYPE_ID] => news [~IBLOCK_TYPE_ID] => news [IBLOCK_CODE] => infoportal_news_s1 [~IBLOCK_CODE] => infoportal_news_s1 [IBLOCK_EXTERNAL_ID] => infoportal_news_s1 [~IBLOCK_EXTERNAL_ID] => infoportal_news_s1 [EXTERNAL_ID] => 111 [~EXTERNAL_ID] => 111 [IPROPERTY_VALUES] => Array ( ) ) ) ) [SECTION_URL] => /news/society/ [ITEMS_THEME] => Array ( ) )
Суд постановил, что условия кредитования нарушают права потребителей
Суд в Никосии во вторник вынес решение против государственной Жилищной финансовой корпорации (HFC) за включение несправедливых условий в свои кредитные договоры с потребителями, нарушая законы Кипра о защите прав потребителей.

Решение было принято после заявления директора службы по защите прав потребителей, который обратился в суд с требованием запретить HFC использовать эти пункты в своих договорах.

Согласно заявлению службы, суд признал несколько условий недобросовестными. Среди них — право организации взимать банковские комиссии и другие расходы по своему усмотрению и в любое время без чётких ограничений или одобрения потребителя.

Также незаконной была признана возможность HFC сокращать или отменять субсидии по процентным ставкам, когда она того пожелает, а также право организации в одностороннем порядке изменять процентные ставки по кредитам и связанные с ними сборы. Суд также отменил пункт, позволяющий организации объединять различные счета, принадлежащие клиенту, и использовать деньги с любого из них для погашения долгов в любой момент и без предупреждения заёмщика.

В своём заявлении служба по защите прав потребителей сообщила, что её главным приоритетом является обеспечение соблюдения закона для защиты прав потребителей. Она призвала все предприятия избегать включения недобросовестных пунктов в контракты и напомнила потребителям о необходимости всегда читать условия перед подписанием любого соглашения.

Служба добавила, что она активно следит за рынком и уже начала новое расследование подобных практик. Она предупредила, что компании, не соблюдающие закон, столкнутся с соответствующими мерами.

Материал подготовлен с использованием издания Cyprus-mail.com с обработкой ИИ.
Источник изображения: Cyprus-mail.com