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Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC article 11a CELEX: 02008L0048-20231230 Information regarding the modification of the terms and conditions of a credit agreement
Without prejudice to other obligations provided for in this Directive, Member States shall ensure that prior to modifying the terms and conditions of the credit agreement, the creditor communicates the following information to the consumer: (a) a clear description of the proposed changes and, where applicable, of the need for consumer consent or of the changes introduced by operation of law; (b) the timescale for the implementation of the changes referred to in point (a); (c) the means for complaint available to the consumer regarding the changes referred to in point (a); (d) the time period available for lodging any such complaint; (e) the name and address of the competent authority to which the consumer can submit that complaint. |