A notificação prévia ao consumidor e a súmula 404 do STJ
Autor(a) principal: | |
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Data de Publicação: | 2010 |
Idioma: | por |
Título da fonte: | Repositório Institucional da UCB |
Texto Completo: | https://repositorio.ucb.br:9443/jspui/handle/10869/2269 |
Resumo: | Direito |
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Karnikowski, Clarissa TeixeiraPaniagua, Anderson2013-11-11T20:10:01Z2016-10-10T03:36:36Z2017-01-25T18:54:40Z2013-11-11T20:10:01Z2016-10-10T03:36:36Z2017-01-25T18:54:40Z2010-11-10PANIAGUA, Anderson. A notificação prévia ao consumidor e a súmula 404 do STJ. 2010. 64 f. Monografia (Graduação) - Universidade Católica de Brasília, Brasília, 2010.https://repositorio.ucb.br:9443/jspui/handle/10869/2269DireitoO presente trabalho teve objetivo de analisar a súmula 404 do STJ, a qual faz menção de que a notificação encaminhada ao consumidor pelos órgãos de proteção ao crédito, quando da negativação dos seus dados pessoais, poderá ser feita por simples carta. Entretanto, através dos estudos dos princípios da Politica Nacional de Relação de Consumo, a conclusão que se obteve foi que o uso do aviso de recebimento (AR) nas notificações enviadas ao consumidor é formalidade a ser atendida, vez que este procedimento garante a ciência do consumidor sobre o ato a ser realizado pelos bancos de dados, onde poderá agir em sua defesa, e prevenindo o constrangimento e o equívoco de negar uma concessão creditícia, perante um consumidor de comprovada idoneidade financeira.This study aimed to examine the docket of the Supreme Court 404, which mentions that the notification sent by the consumer protection agencies to credit, when the negativity of their personal data may be made by ordinary letter. However, through the study of the principles of National Policy on Consumption Ratio, the conclusion that was obtained was that using the return receipt in the notifications sent to the consumer is formality to be attended, as this ensures the science of consumer about the act to be done across the databases where you can act in self defense, and avoiding the embarrassment and misunderstanding of denying an award of credit, before a consumer of proven financial ability.Submitted by Juliana Pereira (juliana.pereira@ucb.br) on 2013-11-11T15:57:03Z No. of bitstreams: 2 license_rdf: 20618 bytes, checksum: b67ac4fa37d756ac08366dbc4e32ada7 (MD5) Anderson Paniagua.pdf: 553899 bytes, checksum: 90ffccbbd2201d9ab31cc2d4eb0160de (MD5)Approved for entry into archive by Kelson Anthony de Menezes(kelson@ucb.br) on 2013-11-11T20:10:01Z (GMT) No. of bitstreams: 2 license_rdf: 20618 bytes, checksum: b67ac4fa37d756ac08366dbc4e32ada7 (MD5) Anderson Paniagua.pdf: 553899 bytes, checksum: 90ffccbbd2201d9ab31cc2d4eb0160de (MD5)Made available in DSpace on 2013-11-11T20:10:01Z (GMT). No. of bitstreams: 2 license_rdf: 20618 bytes, checksum: b67ac4fa37d756ac08366dbc4e32ada7 (MD5) Anderson Paniagua.pdf: 553899 bytes, checksum: 90ffccbbd2201d9ab31cc2d4eb0160de (MD5) Previous issue date: 2010-11-10Made available in DSpace on 2016-10-10T03:36:36Z (GMT). No. of bitstreams: 5 Anderson Paniagua.pdf: 553899 bytes, checksum: 90ffccbbd2201d9ab31cc2d4eb0160de (MD5) license_url: 46 bytes, checksum: 0d2fb706760bf56ddf1358a832652ccf (MD5) license_text: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) license_rdf: 20618 bytes, checksum: b67ac4fa37d756ac08366dbc4e32ada7 (MD5) license.txt: 1876 bytes, checksum: 15d8b3845c3fb477e8d52e515cf366db (MD5) Previous issue date: 2010-11-10Made available in DSpace on 2017-01-25T18:54:40Z (GMT). No. of bitstreams: 6 Anderson Paniagua.pdf.txt: 140428 bytes, checksum: 87de3053ae55010faf3810fa14a0b4ed (MD5) Anderson Paniagua.pdf: 553899 bytes, checksum: 90ffccbbd2201d9ab31cc2d4eb0160de (MD5) license_url: 46 bytes, checksum: 0d2fb706760bf56ddf1358a832652ccf (MD5) license_text: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) license_rdf: 20618 bytes, checksum: b67ac4fa37d756ac08366dbc4e32ada7 (MD5) license.txt: 1876 bytes, checksum: 15d8b3845c3fb477e8d52e515cf366db (MD5) Previous issue date: 2010-11-10TextoConsumidorBanco de dadosSuperior Tribunal de Justiça - STJA notificação prévia ao consumidor e a súmula 404 do STJA notificação prévia ao consumidor e a súmula 404 do Superior Tribunal de Justiçainfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/bachelorThesisUniversidade Católica de Brasília, Brasilinfo:eu-repo/semantics/openAccessporreponame:Repositório Institucional da UCBinstname:Universidade Católica de Brasília (UCB)instacron:UCBTEXTAnderson Paniagua.pdf.txtExtracted texttext/plain140428https://200.214.135.178:9443/jspui/bitstream/10869/2269/1/Anderson%20Paniagua.pdf.txt87de3053ae55010faf3810fa14a0b4edMD51ORIGINALAnderson Paniagua.pdfMonografiaapplication/pdf553899https://200.214.135.178:9443/jspui/bitstream/10869/2269/2/Anderson%20Paniagua.pdf90ffccbbd2201d9ab31cc2d4eb0160deMD52CC-LICENSElicense_urlapplication/octet-stream46https://200.214.135.178:9443/jspui/bitstream/10869/2269/3/license_url0d2fb706760bf56ddf1358a832652ccfMD53license_textapplication/octet-stream0https://200.214.135.178:9443/jspui/bitstream/10869/2269/4/license_textd41d8cd98f00b204e9800998ecf8427eMD54license_rdfapplication/octet-stream20618https://200.214.135.178:9443/jspui/bitstream/10869/2269/5/license_rdfb67ac4fa37d756ac08366dbc4e32ada7MD55LICENSElicense.txttext/plain1876https://200.214.135.178:9443/jspui/bitstream/10869/2269/6/license.txt15d8b3845c3fb477e8d52e515cf366dbMD5610869/22692019-09-19 16:31:00.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Repositório de Publicaçõeshttps://repositorio.ucb.br:9443/jspui/ |
dc.title.pt_BR.fl_str_mv |
A notificação prévia ao consumidor e a súmula 404 do STJ |
dc.title.alternative.pt_BR.fl_str_mv |
A notificação prévia ao consumidor e a súmula 404 do Superior Tribunal de Justiça |
title |
A notificação prévia ao consumidor e a súmula 404 do STJ |
spellingShingle |
A notificação prévia ao consumidor e a súmula 404 do STJ Paniagua, Anderson Consumidor Banco de dados Superior Tribunal de Justiça - STJ |
title_short |
A notificação prévia ao consumidor e a súmula 404 do STJ |
title_full |
A notificação prévia ao consumidor e a súmula 404 do STJ |
title_fullStr |
A notificação prévia ao consumidor e a súmula 404 do STJ |
title_full_unstemmed |
A notificação prévia ao consumidor e a súmula 404 do STJ |
title_sort |
A notificação prévia ao consumidor e a súmula 404 do STJ |
author |
Paniagua, Anderson |
author_facet |
Paniagua, Anderson |
author_role |
author |
dc.contributor.advisor1.fl_str_mv |
Karnikowski, Clarissa Teixeira |
dc.contributor.author.fl_str_mv |
Paniagua, Anderson |
contributor_str_mv |
Karnikowski, Clarissa Teixeira |
dc.subject.por.fl_str_mv |
Consumidor Banco de dados Superior Tribunal de Justiça - STJ |
topic |
Consumidor Banco de dados Superior Tribunal de Justiça - STJ |
dc.description.pt_BR.fl_txt_mv |
Direito |
dc.description.abstract.por.fl_txt_mv |
O presente trabalho teve objetivo de analisar a súmula 404 do STJ, a qual faz menção de que a notificação encaminhada ao consumidor pelos órgãos de proteção ao crédito, quando da negativação dos seus dados pessoais, poderá ser feita por simples carta. Entretanto, através dos estudos dos princípios da Politica Nacional de Relação de Consumo, a conclusão que se obteve foi que o uso do aviso de recebimento (AR) nas notificações enviadas ao consumidor é formalidade a ser atendida, vez que este procedimento garante a ciência do consumidor sobre o ato a ser realizado pelos bancos de dados, onde poderá agir em sua defesa, e prevenindo o constrangimento e o equívoco de negar uma concessão creditícia, perante um consumidor de comprovada idoneidade financeira. This study aimed to examine the docket of the Supreme Court 404, which mentions that the notification sent by the consumer protection agencies to credit, when the negativity of their personal data may be made by ordinary letter. However, through the study of the principles of National Policy on Consumption Ratio, the conclusion that was obtained was that using the return receipt in the notifications sent to the consumer is formality to be attended, as this ensures the science of consumer about the act to be done across the databases where you can act in self defense, and avoiding the embarrassment and misunderstanding of denying an award of credit, before a consumer of proven financial ability. |
description |
Direito |
publishDate |
2010 |
dc.date.issued.fl_str_mv |
2010-11-10 |
dc.date.accessioned.fl_str_mv |
2013-11-11T20:10:01Z 2016-10-10T03:36:36Z 2017-01-25T18:54:40Z |
dc.date.available.fl_str_mv |
2013-11-11T20:10:01Z 2016-10-10T03:36:36Z 2017-01-25T18:54:40Z |
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info:eu-repo/semantics/publishedVersion |
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info:eu-repo/semantics/bachelorThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
PANIAGUA, Anderson. A notificação prévia ao consumidor e a súmula 404 do STJ. 2010. 64 f. Monografia (Graduação) - Universidade Católica de Brasília, Brasília, 2010. |
dc.identifier.uri.fl_str_mv |
https://repositorio.ucb.br:9443/jspui/handle/10869/2269 |
identifier_str_mv |
PANIAGUA, Anderson. A notificação prévia ao consumidor e a súmula 404 do STJ. 2010. 64 f. Monografia (Graduação) - Universidade Católica de Brasília, Brasília, 2010. |
url |
https://repositorio.ucb.br:9443/jspui/handle/10869/2269 |
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