Local view for "http://purl.org/linkedpolitics/eu/plenary/2012-11-20-Speech-2-305-031"
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"en.20121120.28.2-305-031"2
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I voted in favour of this document. False or misleading pre-contractual information and advertising as well as abuse of contracts are a source of great concern in the Member States. Providing consumer credit to persons in low-income, higher-risk groups further deepens social divisions between citizens and households. It is worrying that an investigation carried out by the European Commission in 2011 found that 70 % of the financial institution websites checked provided too little information in their consumer credit advertising. For this reason, information on consumer credit that emphasises possible changes in payments and the consequences of insolvency should be spread more actively. I agree with the call to extend the existing level of consumer protection to lower-value, short-term consumer credit that currently falls outside the scope of the Directive. An irresponsible attitude by both parties and inadequate consumer education can cause significant problems for households even if they borrow sums that are particularly small."@en1
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