A hipervulnerabilidade do consumidor idoso no contrato de emprestimo consignado

• Autor(a) principal: Santos, Regina de Oliveira
• Data de Publicação: 2017
• Tipo de documento: Trabalho de conclusão de curso
• Idioma: por
• Título da fonte: Biblioteca Digital de Teses e Dissertações da PUC_SP
• Texto Completo: https://repositorio.pucsp.br/jspui/handle/handle/35731
• topic: CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO::DIREITO PRIVADO::DIREITO CIVIL; Relação de consumo; Idoso; Hipervulnerabilidade; Superendividamento; Crédito consignado; Consumption relation; Elderly; High vulnerability; Super debt; Consigned credit

This paper intends to demonstrate the high vulnerability of the elderly consumers in the consumption relations that involve the credit provision by financial institutions. Since the expansion of credit provision for retirees and pensioners from INSS according to the Law 10.820/2003, the elderly have been a continuous target of abusive acts and frauds in the hiring of consigned credit, due to the codition of aggravated vulnerability resulting from the process of ageing. At that, the financial institutions act heavily on the consumption market, investing in publicity to attract the elderly consumers and convince them to contract a low-cost, fast and easy credit with performance upon discounts till 35% in their earnings. The common consequence to this type of negociation for the elderly is the debt, specially for those with low income, who, consuming the credit without control, face a situation of super debt, violating their dignity and that of their families. Questions related to abusive acts, annulment of contracts and frauds against elderly consumers have been analysed by the Judiciary Branch, which protects the elderly, based on the rules of consumption relations and laws. More specifically, focusing on the vulnerability of these cosumers, intending to promote effective support, protecting them from the abuses of financial institutions