POVEZANI PRAVNI POSLOVI KAO OBLIK KREDITIRANJA POTROŠAČA-ZAKON O ZAŠTITI POTROŠAČA BOSNE I HERCEGOVINE versus DIREKTIVA 2008/48/EZ O UGOVORIMA
LINKED CREDIT AGREEMENTS AS A FORM OF LENDING TO CONSUMERS - THE CONSUMER PROTECTION ACT OF BOSNIA AND HERZEGOVINA versus 2008/48/EC DIRECTIVE

Summary/Abstract: This article examines the special mode of consumer credit – linked credit agreements. Financial institutions, mostly banks, based on financial arrangements with its clients or certain traders or producers, grant loans to consumers buying their products. In this complex transaction, the most important question, in terms of consumers, is the issue of liability in the event that the purchased goods or services is not in conformity with the provisions of the contract of sale. This is because the consumer purchase price, in equal monthly installments, does not pay to the seller, but to the creditor under the credit contract, which the previous is financed. By signing the Stabilization and Association Agreement between European Communities and their Member States 2008th, Bosnia and Herzegovina, inter alia, committed to harmonise provisions on consumer credit protection with a common EU law, which primarily refers to the obligation of harmonising with the terms of the new Directive 2008/48/EC of consumer credit contracts.

• Details
• Contents