A devolução das quantias pagas pelos consumidores desistentes e excluídos dos contratos de consórcio à luz da Lei 11.795/08 e do Código de Defesa do Consumidor
Autor(a) principal: | |
---|---|
Data de Publicação: | 2010 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Biblioteca Digital de Teses e Dissertações da PUC_SP |
Texto Completo: | https://tede2.pucsp.br/handle/handle/9060 |
Resumo: | This study aims to investigate the refund of credits to consumers that were excluded or discontinued of purchasing pool agreements, seeking to scrutinize it in light of the recent legislation that regulates purchasing pool agreements in Brazil, Law No. 11795/08, as well as the Consumer Protection Code. At first, the study draws the mechanism of purchasing pool agreements in Brazil, broaching its historical evolution and legal development. Once the mechanism of purchasing pool agreements in Brazil is scrutinized, grounds of consumers defense in analyzed, once, as it deals with a consumer relation, purchasing pool agreements are also subject to the rules set forth in the Consumer Protections Code. Another aspect of the study relates to consumer agreements, provided that purchasing pool agreements are emblematic adhesion contracts. It is also necessary to analyze purchasing pool agreements, identifying its parties, ground concepts and main characteristics, emphasizing Brazilian Central Bank s attribution to regulate and supervise such agreements, as well as to determine the ground conditions of purchasing pool agreements, as provided for in respective bills. Once this scenario is drew, the ground is set to present the argumentation concerning refunding of amounts paid by consumers that were excluded or discontinued of purchasing pool agreements. Before the recent legislation, such topic caused disagreement among Court decisions and legal writers, with sound arguments, economical and legal, both to sustain that refund should occur immediately or that the refund should occur upon termination of the purchasing pool, dully updated. The actual rules concerning refund of amounts is then scrutinized, considering that according to Law No. 11795/08 there is no need to wait termination of the purchasing pool in order to refund the amounts due to consumers, as excluded and discontinued consumers take part in the raffle in order to be reimbursed immediately. The study carried on resulted in the conclusion that Law No. 11795/08 adopted the stand that the general interest of all the individuals that take part in the purchasing pool should prevail over the interest of one single consumer. To that extent, the Law No. 11795/08 is in line with rule of reason and the principle of harmony, as it conditioned the refund of amounts to the rule of raffle, which is proper to purchasing pool mechanisms, as it was conceived |
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Sodré, Marcelo Gomeshttp://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4208453P2Giacomini, Daniel Orfale2016-04-26T20:30:27Z2010-07-272010-05-28Giacomini, Daniel Orfale. Recovery of amounts paid by consumers dropouts and excluded from the consortium contracts in light of Law 11.795/08 and the Consumer Protection Code. 2010. 189 f. Dissertação (Mestrado em Direito) - Pontifícia Universidade Católica de São Paulo, São Paulo, 2010.https://tede2.pucsp.br/handle/handle/9060This study aims to investigate the refund of credits to consumers that were excluded or discontinued of purchasing pool agreements, seeking to scrutinize it in light of the recent legislation that regulates purchasing pool agreements in Brazil, Law No. 11795/08, as well as the Consumer Protection Code. At first, the study draws the mechanism of purchasing pool agreements in Brazil, broaching its historical evolution and legal development. Once the mechanism of purchasing pool agreements in Brazil is scrutinized, grounds of consumers defense in analyzed, once, as it deals with a consumer relation, purchasing pool agreements are also subject to the rules set forth in the Consumer Protections Code. Another aspect of the study relates to consumer agreements, provided that purchasing pool agreements are emblematic adhesion contracts. It is also necessary to analyze purchasing pool agreements, identifying its parties, ground concepts and main characteristics, emphasizing Brazilian Central Bank s attribution to regulate and supervise such agreements, as well as to determine the ground conditions of purchasing pool agreements, as provided for in respective bills. Once this scenario is drew, the ground is set to present the argumentation concerning refunding of amounts paid by consumers that were excluded or discontinued of purchasing pool agreements. Before the recent legislation, such topic caused disagreement among Court decisions and legal writers, with sound arguments, economical and legal, both to sustain that refund should occur immediately or that the refund should occur upon termination of the purchasing pool, dully updated. The actual rules concerning refund of amounts is then scrutinized, considering that according to Law No. 11795/08 there is no need to wait termination of the purchasing pool in order to refund the amounts due to consumers, as excluded and discontinued consumers take part in the raffle in order to be reimbursed immediately. The study carried on resulted in the conclusion that Law No. 11795/08 adopted the stand that the general interest of all the individuals that take part in the purchasing pool should prevail over the interest of one single consumer. To that extent, the Law No. 11795/08 is in line with rule of reason and the principle of harmony, as it conditioned the refund of amounts to the rule of raffle, which is proper to purchasing pool mechanisms, as it was conceivedO presente estudo traz como objeto de investigação a devolução das quantias pagas pelos consumidores desistentes e excluídos do contrato de consórcio, pretendendo abordá-la e analisá-la à luz da nova legislação que regula o sistema de consórcios no Brasil, a Lei 11.795/08, e do Código de Defesa do Consumidor. Para adentrar o tema, o trabalho traça, primeiramente, um perfil do sistema de consórcios no Brasil, com a evolução de sua história e de sua disciplina jurídica. Com a análise do sistema de consórcios no Brasil, passa-se a discorrer sobre os fundamentos da defesa do consumidor, uma vez que, por se tratar de relação de consumo, o contrato de consórcio se submete às disposições do Código de Defesa do Consumidor. Outra abordagem alude aos contratos de consumo, sendo o contrato de consórcio um típico contrato de adesão. Faz-se necessário, também, a análise do contrato de consórcio, com a identificação de suas partes, conceitos fundamentais e características principais, com destaque para o poder regulatório e fiscalizador do Banco Central do Brasil e a fixação das condições mínimas do contrato de consórcio constante de suas circulares. Com esse pano de fundo, o estudo encontra subsídios para discorrer sobre a questão da devolução das quantias pagas pelos consorciados desistentes e excluídos e que, até a novel legislação, encontrava divisão na doutrina e na jurisprudência, com relevantes argumentos econômicos e de direito pelos que entendem que a mesma deveria ocorrer de maneira imediata, assim como por aqueles que entendem que a devolução dessas quantias deveria ocorrer somente após o término do grupo, devidamente corrigidas. Passa-se, então, a análise da forma com a questão da devolução das quantias pagas aos consorciados desistentes e excluídos foi tratada pela atual legislação, onde não há mais necessidade de se aguardar o encerramento do grupo, passando estes consumidores a participarem do sorteio para receberem de volta os valores pagos. O resultado da pesquisa aponta no sentido de que a Lei nº. 11.795/08, categorizando o funcionamento da sociedade consorcial na prevalência do interesse do grupo de consórcio sobre o interesse individual do consorciado, agiu com espírito de razoabilidade e harmonia ao definir a nova sistemática de devolução das quantias pagas aos consumidores desistentes e excluídos, submetendo sua ocorrência à contemplação em sorteio, como é próprio do sistema de consórcio, desde a sua concepçãoapplication/pdfhttp://tede2.pucsp.br/tede/retrieve/17786/Daniel%20Orfale%20Giacomini.pdf.jpgporPontifícia Universidade Católica de São PauloPrograma de Estudos Pós-Graduados em DireitoPUC-SPBRFaculdade de DireitoDevolução de quantias pagasCódigo de Defesa do ConsumidorBrasil -- [Lei n. 11.795, de 8 de outubro de 2008]Consorcios -- Leis e legislacao -- BrasilDefesa do consumidor -- Leis e legislacao -- BrasilPurchasing poolRefund of amounts dueLaw Nº 11795/08Consumer Protection CodeCNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITOA devolução das quantias pagas pelos consumidores desistentes e excluídos dos contratos de consórcio à luz da Lei 11.795/08 e do Código de Defesa do ConsumidorRecovery of amounts paid by consumers dropouts and excluded from the consortium contracts in light of Law 11.795/08 and the Consumer Protection Codeinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:Biblioteca Digital de Teses e Dissertações da PUC_SPinstname:Pontifícia Universidade Católica de São Paulo (PUC-SP)instacron:PUC_SPTEXTDaniel Orfale Giacomini.pdf.txtDaniel Orfale Giacomini.pdf.txtExtracted texttext/plain420223https://repositorio.pucsp.br/xmlui/bitstream/handle/9060/3/Daniel%20Orfale%20Giacomini.pdf.txt6112a71ae2b1bd89c3539387e717b5faMD53ORIGINALDaniel Orfale Giacomini.pdfapplication/pdf1286484https://repositorio.pucsp.br/xmlui/bitstream/handle/9060/1/Daniel%20Orfale%20Giacomini.pdf4a75dc52f7bd341992dfa3eac2df70f2MD51THUMBNAILDaniel Orfale Giacomini.pdf.jpgDaniel Orfale Giacomini.pdf.jpgGenerated Thumbnailimage/jpeg3661https://repositorio.pucsp.br/xmlui/bitstream/handle/9060/2/Daniel%20Orfale%20Giacomini.pdf.jpgcf18f03e65e4701877f06878af06c950MD52handle/90602022-08-22 18:12:19.555oai:repositorio.pucsp.br:handle/9060Biblioteca Digital de Teses e Dissertaçõeshttps://sapientia.pucsp.br/https://sapientia.pucsp.br/oai/requestbngkatende@pucsp.br||rapassi@pucsp.bropendoar:2022-08-22T21:12:19Biblioteca Digital de Teses e Dissertações da PUC_SP - Pontifícia Universidade Católica de São Paulo (PUC-SP)false |
dc.title.por.fl_str_mv |
A devolução das quantias pagas pelos consumidores desistentes e excluídos dos contratos de consórcio à luz da Lei 11.795/08 e do Código de Defesa do Consumidor |
dc.title.alternative.eng.fl_str_mv |
Recovery of amounts paid by consumers dropouts and excluded from the consortium contracts in light of Law 11.795/08 and the Consumer Protection Code |
title |
A devolução das quantias pagas pelos consumidores desistentes e excluídos dos contratos de consórcio à luz da Lei 11.795/08 e do Código de Defesa do Consumidor |
spellingShingle |
A devolução das quantias pagas pelos consumidores desistentes e excluídos dos contratos de consórcio à luz da Lei 11.795/08 e do Código de Defesa do Consumidor Giacomini, Daniel Orfale Devolução de quantias pagas Código de Defesa do Consumidor Brasil -- [Lei n. 11.795, de 8 de outubro de 2008] Consorcios -- Leis e legislacao -- Brasil Defesa do consumidor -- Leis e legislacao -- Brasil Purchasing pool Refund of amounts due Law Nº 11795/08 Consumer Protection Code CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO |
title_short |
A devolução das quantias pagas pelos consumidores desistentes e excluídos dos contratos de consórcio à luz da Lei 11.795/08 e do Código de Defesa do Consumidor |
title_full |
A devolução das quantias pagas pelos consumidores desistentes e excluídos dos contratos de consórcio à luz da Lei 11.795/08 e do Código de Defesa do Consumidor |
title_fullStr |
A devolução das quantias pagas pelos consumidores desistentes e excluídos dos contratos de consórcio à luz da Lei 11.795/08 e do Código de Defesa do Consumidor |
title_full_unstemmed |
A devolução das quantias pagas pelos consumidores desistentes e excluídos dos contratos de consórcio à luz da Lei 11.795/08 e do Código de Defesa do Consumidor |
title_sort |
A devolução das quantias pagas pelos consumidores desistentes e excluídos dos contratos de consórcio à luz da Lei 11.795/08 e do Código de Defesa do Consumidor |
author |
Giacomini, Daniel Orfale |
author_facet |
Giacomini, Daniel Orfale |
author_role |
author |
dc.contributor.advisor1.fl_str_mv |
Sodré, Marcelo Gomes |
dc.contributor.authorLattes.fl_str_mv |
http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4208453P2 |
dc.contributor.author.fl_str_mv |
Giacomini, Daniel Orfale |
contributor_str_mv |
Sodré, Marcelo Gomes |
dc.subject.por.fl_str_mv |
Devolução de quantias pagas Código de Defesa do Consumidor Brasil -- [Lei n. 11.795, de 8 de outubro de 2008] Consorcios -- Leis e legislacao -- Brasil Defesa do consumidor -- Leis e legislacao -- Brasil |
topic |
Devolução de quantias pagas Código de Defesa do Consumidor Brasil -- [Lei n. 11.795, de 8 de outubro de 2008] Consorcios -- Leis e legislacao -- Brasil Defesa do consumidor -- Leis e legislacao -- Brasil Purchasing pool Refund of amounts due Law Nº 11795/08 Consumer Protection Code CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO |
dc.subject.eng.fl_str_mv |
Purchasing pool Refund of amounts due Law Nº 11795/08 Consumer Protection Code |
dc.subject.cnpq.fl_str_mv |
CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO |
description |
This study aims to investigate the refund of credits to consumers that were excluded or discontinued of purchasing pool agreements, seeking to scrutinize it in light of the recent legislation that regulates purchasing pool agreements in Brazil, Law No. 11795/08, as well as the Consumer Protection Code. At first, the study draws the mechanism of purchasing pool agreements in Brazil, broaching its historical evolution and legal development. Once the mechanism of purchasing pool agreements in Brazil is scrutinized, grounds of consumers defense in analyzed, once, as it deals with a consumer relation, purchasing pool agreements are also subject to the rules set forth in the Consumer Protections Code. Another aspect of the study relates to consumer agreements, provided that purchasing pool agreements are emblematic adhesion contracts. It is also necessary to analyze purchasing pool agreements, identifying its parties, ground concepts and main characteristics, emphasizing Brazilian Central Bank s attribution to regulate and supervise such agreements, as well as to determine the ground conditions of purchasing pool agreements, as provided for in respective bills. Once this scenario is drew, the ground is set to present the argumentation concerning refunding of amounts paid by consumers that were excluded or discontinued of purchasing pool agreements. Before the recent legislation, such topic caused disagreement among Court decisions and legal writers, with sound arguments, economical and legal, both to sustain that refund should occur immediately or that the refund should occur upon termination of the purchasing pool, dully updated. The actual rules concerning refund of amounts is then scrutinized, considering that according to Law No. 11795/08 there is no need to wait termination of the purchasing pool in order to refund the amounts due to consumers, as excluded and discontinued consumers take part in the raffle in order to be reimbursed immediately. The study carried on resulted in the conclusion that Law No. 11795/08 adopted the stand that the general interest of all the individuals that take part in the purchasing pool should prevail over the interest of one single consumer. To that extent, the Law No. 11795/08 is in line with rule of reason and the principle of harmony, as it conditioned the refund of amounts to the rule of raffle, which is proper to purchasing pool mechanisms, as it was conceived |
publishDate |
2010 |
dc.date.available.fl_str_mv |
2010-07-27 |
dc.date.issued.fl_str_mv |
2010-05-28 |
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2016-04-26T20:30:27Z |
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Giacomini, Daniel Orfale. Recovery of amounts paid by consumers dropouts and excluded from the consortium contracts in light of Law 11.795/08 and the Consumer Protection Code. 2010. 189 f. Dissertação (Mestrado em Direito) - Pontifícia Universidade Católica de São Paulo, São Paulo, 2010. |
dc.identifier.uri.fl_str_mv |
https://tede2.pucsp.br/handle/handle/9060 |
identifier_str_mv |
Giacomini, Daniel Orfale. Recovery of amounts paid by consumers dropouts and excluded from the consortium contracts in light of Law 11.795/08 and the Consumer Protection Code. 2010. 189 f. Dissertação (Mestrado em Direito) - Pontifícia Universidade Católica de São Paulo, São Paulo, 2010. |
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