ZAŠTITA POTROŠAČA KAO KORISNIKA FINANCIJSKIH USLUGA KROZ PRAVO NA ODUSTANAK OD UGOVORA O POTROŠAČKOM KREDITU U EUROPSKOJ UNIJI I BOSNI I HERCEGOVINI
PROTECTION OF CONSUMERS AS USERS OF FINANCIAL SERVICES THROUGH THE RIGHT TO WITHDRAW FROM CONSUMER CREDIT CONTRACTS IN THE EUROPEAN UNION AND BOSNIA AND HERZEGOVINA

Summary/Abstract: Financial, information and legal inferiority of consumers is the most evident in the contracting and repayment of consumer loans which are existential basis of many consumers in Bosnia and Herzegovina and the rest of the world. Consumer, in the state of financial difficulties caused by the sudden unemployment or similar event, finds himself in a financially difficult position which ''forces'' him to borrow, producing additional costs such as bank fees and interests. With this in mind, it is clear that the protection of consumers is necessary when consumers appear as users of financial services, through the special consumer rights regarding the consumer loans: the right to terminate the contract concluded for indefinite period, the right of withdrawal from the contract and the right to early repayment. The establishment and utilization of the right of withdrawal from the consumer credit will be the focus of this paper.

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