Traduction de «lorsqu'un consommateur s'aperçoit » (Français → Anglais) :

5. Member States may permit credit institutions that offer payment accounts with basic features to refuse an application for access to such an account where a consumer already holds a payment account with a credit institution located in their territory, which allows him to make use of the payment services listed in Article 17(1), unless when a consumer declares that he has received notice that a payment account will be closed .

While it would not be appropriate to apply sanctions to consumers for not being in a position to provide certain information or assessments or for deciding to discontinue the application process for getting a credit, Member States should be able to provide for sanctions where consumers knowingly provide incomplete or incorrect information in order to obtain a positive creditworthiness assessment, in particular where the complete and correct information would have resulted in a negative creditworthiness assessment and the consumer is subsequently unable to fulfil the conditions of the agreement.

While it would not be appropriate to apply sanctions to consumers for not being in a position to provide certain information or assessments or for deciding to discontinue the application process for getting a credit, Member States should be able to provide for sanctions where consumers knowingly provide incomplete or incorrect information in order to obtain a positive creditworthiness assessment, in particular where the complete and correct information would have resulted in a negative creditworthiness assessment and the consumer is subsequently unable to fulfil the conditions of the agreement .

30. Notes that in spite of existing legislation, consumers still frequently encounter difficulties when travelling and often find themselves in vulnerable situations, especially if their trip is cancelled or delayed, and that these difficulties are exacerbated when the consumer suffers from a disability; calls on the Commission and the Member States to take the necessary measures to ensure better information provision and access to claim procedures regarding, inter alia, passengers' rights and transparency of fares; asks the Commission, in its planned revision of EU passenger rights legislation, to take into account the situation of vu ...[+++]lnerable consumers, especially persons with reduced mobility and disabilities, and to adapt the compensation levels, criteria and mechanisms, while ensuring that current levels are not reduced;

1. Notes that the diversity of vulnerable situations, both when consumers are placed under statutory protection and when they are in a specific situation of sectoral or temporary vulnerability, hinders a uniform approach and the adoption of a comprehensive legislative instrument, which has thus led the existing legislation and policies in place to address the problem of vulnerability on a case-by-case basis; stresses, therefore, that European legislation must address the problem of vulnerability among consumers as a horizontal task, taking into account consumers' various needs, abilities and circumstances;

3. Where a consumer wants the performance of services or the supply of water, gas or electricity, where they are not put up for sale in a limited volume or set quantity, or of district heating to begin during the withdrawal period provided for in Article 9(2), the trader shall require that the consumer makes such an express request on a durable medium.

8. Where a consumer wants the performance of services, or the supply of water, gas or electricity, where they are not put up for sale in a limited volume or set quantity, or of district heating, to begin during the withdrawal period provided for in Article 9(2), the trader shall require that the consumer make an express request.

The first subparagraph shall not be applicable to sales contracts where the trader has refused to deliver the goods or where delivery within the agreed delivery period is essential taking into account all the circumstances attending the conclusion of the contract or where the consumer informs the trader, prior to the conclusion of the contract, that delivery by or on a specified date is essential.

Furthermore, in order to prevent circumventions of rules when consumers are approached away from business premises, a contract negotiated, for example at the consumer's home but concluded in a shop should be regarded as an off-premises contract only when the main components of the contract have been determined in the course of an excursion, a leisure event or a sales demonstration .

2. Without prejudice to Article 15 of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers (10), where the price is fully or partly covered by a credit granted to the consumer by the trader, or by a third party on the basis of an arrangement between the third party and the trader, the credit agreement shall be terminated, at no cost to the consumer, where the consumer exercises the right to withdraw from the timeshare, long-term holiday product, resale or exchange contract.