Local view for "http://purl.org/linkedpolitics/eu/plenary/2008-01-16-Speech-3-129"
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"en.20080116.9.3-129"2
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"I would like to stress that I voted for the report on consumer credit, because I think that the report is a step in the right direction. I am pleased that we have managed to tame the regulatory enthusiasm of the Commission and the Council for more detailed legislation, which, in my opinion, is not desirable. There are differences between the Member States as result of their diverse law traditions and cultures of financing and an attempt to erase these differences by force will not, in my opinion, lead to success. Therefore, it is good that the European Parliament has focused on the basic elements: principles of harmonisation of consumer credit (here I would like to stress the right to cancel an agreement and the option of early repayment without a financial penalty for the consumer). I consider a two-week deadline for withdrawal from an agreement by either of the parties to be necessary for the legal certainty of all the parties involved. At the same time it is important to ensure that in the case of a linked credit agreement this deadline may be reduced to three days at the request of the consumer. It will enable consumers to take earlier possession of the product purchased. I think that a provision that guarantees that early repayment of credit cannot harm consumers is more than sufficient. The Member States will be obliged to integrate this provision into their national legislation and consumer interests will thus be protected."@en1
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