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    CREDIT INTERMEDIATION PARTNERS

    Mortgage | Personal | Consolidated | Transfer of Loans

    WE'RE HERE

    Headquarter:
    Rua Nuno Tristão, nº22-B, 1º Esq.
    2830-095 Barreiro – Portugal

    Office:
    Av. Alfredo da Silva, nº32
    Alfredo da Silva Shopping Center Loja 36 1º Andar
    2830-302 Barreiro – Portugal

    INFORMATION TO BE AVAILABLE TO THE CONSUMER

    FOR A CONSCIOUS
    AND INFORMED DECISION

    The consumer has the right to clear, true, complete and update credit information.

    Information on alternative dispute resolution.

    Acredito is a member of CACCL – Centro de Arbitragem de Conflitos de Consumo de Lisboa e do CNIACC – Centro Nacional de Informação e Arbitragem de Conflitos de Consumo..

    In the event of a dispute, the consumer may resort to these Alternative Dispute Resolution entities. For more information, consult the Consumer Portal at www.consumidor.pt.

    The consumer can still submit his complaint, through the European Platform RLL. To have access, please click here.

    Information on non-compliance with credit agreements and extrajudicial support network.

    Credit installments are a regular part of the bank customers family budget. It is crucial that the bank customer considers in advance whether it has the financial capacity to ensure the payment of installments resulting from the loans it plan to contract. For more information on family budget management, consult the “Todos Contam” portal, at www.todoscontam.pt.

    Loan default occurs when a borrower fails to pay back a debt according to the initial arrangement. Customers with non-performing loans are subject to penalties and their assets can be seized. The bank customer must be preventive in anticipating a possible default situation. If you anticipate difficulties in paying your charges, you must promptly alert the credit institution. If the bank customer reports that it has difficulties in paying its charges, the credit institution is obliged, under Law No. 227/2012, of 25 October, to assess its default risk. The credit institution must propose solutions to avoid default on the loan agreement, whenever feasible.

    The Extrajudicial Procedure for the Settlement of Default Situations (PERSI), established by Law no. 227/2012, of 25 October, works as a way for the bank and the customer to reach an agreement in a default situation (if the citizen is not paying the due installments to the creditor) without resorting to the judicial power. The PERSI can be requested by the client himself, but it is usually the financial entity that proceeds with the process, ending up informing the debtor up to five days later.

    According to the regulator’s instructions, the bank starts PERSI when:
    – The customer requests it;
    – Between the 31st and the 60th day after the customer goes into default;
    – As soon as the customer is late in paying the installments, if he has already alerted the institution to the risk of default.

    Customers with household loans that are in default and in a particularly vulnerable situation may ask the credit institution for access to the extraordinary regime, provided that they meet the legal requirements. This regime, designed to protect household loans debtors in very difficult economic situations, was approved by Law No. 58/2012, of 9 November, and will be in force until December 31, 2015, with the chance of extension. Under this regime, the credit institution is obliged to propose to the bank customer a debt restructuring plan, when feasible. In exceptional situations, the credit institution must propose solutions that lead to the partial or total elimination of the debt.

    Bank customers with loans at risk of default or in arrears in the payment of their installments can obtain information, advice and follow-up from the bank customer support extrajudicial network, free of charge. The banking customer support network is made up of entities authorized and recognized by the Direção-Geral do Consumidor. For more information on the support network, consult the “Portal do Consumidor”, at www.consumidor.pt.