2003/C 268 E/133E-0785/03 de Juan Naranjo Escobar a la Comisión Asunto: Cláusulas abusivas contra los clientes en los contratos bancarios
Issuing Organization | Comisión de las Comunidades Europeas |
(2003/C 268 E/133) PREGUNTA ESCRITA E-0785/03 de Juan Naranjo Escobar (PPE-DE) a la Comisión (14 de marzo de 2003) Asunto: Cláusulas abusivas contra los clientes en los contratos bancarios La Organización de Consumidores y Usuarios (OCU) de España, ha demandado a varias entidades bancarias ante los Tribunales de Justicia por aplicar en sus contratos hasta 17 cláusulas que resultan abusivas y perjudiciales para los clientes, solicitando que sean declaradas nulas, lo que ha provocado expectación en la sociedad española.
Parece que de esta forma, se ha vuelto a poner en evidencia la necesidad de que actuaciones, como la que ha protagonizado la OCU española, provoquen un detallado análisis por parte de las autoridades, tanto nacionales como comunitarias, sobre las cláusulas contractuales bancarias.
¿Qué opina la Comisión sobre la legislación comunitaria relativa a la protección de los clientes, ante las entidades bancarias? ¿Cree la Comisión que proporciona a los mismos la suficiente garantía de que no padezcan prácticas abusivas y perjudiciales? Respuesta del Sr. Byrne en nombre de la Comisión (15 de abril de 2003) La protección de los consumidores ante las entidades bancarias es una cuestión que presenta múltiples vertientes:
las normas sobre adecuación del capital y supervisión prudencial garantizan la estabilidad del sistema bancario, aspecto que también reviste interés para los consumidores;
la Directiva 2002/65/CE del Parlamento Europeo y del Consejo, de 23 de septiembre de 2002, relativa a la comercialización a distancia de servicios financieros destinados a los consumidores (1 ) ofrece un marco global para la protección de los intereses de los consumidores en relación con aquellos medios de distribución para los que los servicios financieros son particularmente aptos;
la Directiva 93/13/CEE del Consejo, de 5 de abril de 1993, sobre las cláusulas abusivas en los contratos celebrados con consumidores (2 ) estableció un mecanismo que ha demostrado con creces su utilidad a la hora de...
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