+Artikel 12 Verpflichtungen bei Kreditverträgen in Form einer Überziehungsmöglichkeit
---+Article 12 1.
---+Article 12 2.

Artikel 12 Verpflichtungen bei Kreditverträgen in Form einer Überziehungsmöglichkeit

1. Übersicht

,
Article 12 1.

Where a credit agreement covers credit in the form of an overdraft facility, the consumer shall be kept regularly informed by means of a statement of account, on paper or on another durable medium, containing the following particulars:

(a) 

the precise period to which the statement of account relates;

(b) 

the amounts and dates of drawdowns;

(c) 

the balance from the previous statement, and the date thereof;

(d) 

the new balance;

(e) 

the dates and amounts of payments made by the consumer;

(f) 

the borrowing rate applied;

(g) 

any charges that have been applied;

(h) 

where applicable, the minimum amount to be paid.
Article 12 2.

In addition, the consumer shall be informed on paper or another durable medium of increases in the borrowing rate, or in any charges payable, before the change in question enters into force.

However, the parties may agree in the credit agreement that information concerning changes in the borrowing rate is to be given in the manner provided for in paragraph 1 in cases where the change in the borrowing rate is caused by a change in a reference rate, the new reference rate is made publicly available by appropriate means and the information concerning the new reference rate is also kept available in the premises of the creditor.

1.1 Referenzen

1.2 Identifizierte Anforderungen

1.3 Zugehörige Standards

2. Identifizierte Anforderungen

Anforderungen

3. Zugehörige Standards

Standards
  • Builddate: 30.12.2023 00:00:00 -Doknr: CELEX:32008L0048
  • EULAW -

    EN: Legal acts of the European Union from EUR-Lex, https://eur-lex.europa.eu/. © European Union. Re-use is authorised by Decision 2011/833/EU, provided the source is acknowledged; the consolidated texts are licensed under CC BY 4.0 (EUR-Lex legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the legislation published in the Official Journal of the European Union is deemed authentic.

    DE: Rechtsakte der Europäischen Union aus EUR-Lex, https://eur-lex.europa.eu/. © Europäische Union. Weiterverwendung nach Beschluss 2011/833/EU mit Quellenangabe gestattet; die konsolidierten Fassungen stehen unter CC BY 4.0 (Rechtlicher Hinweis von EUR-Lex). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Verbindlich sind allein die im Amtsblatt der Europäischen Union veröffentlichten Rechtsakte.