Cláusulas abusivas en los contratos de adhesión referentes a operaciones crediticias y adquisición de bienes mediante sistemas de financiación reguladas por el estatuto del consumidor en colombia. Mecanismos de control y protección contra los mismos.

Abstract

Increasingly there are the financial needs that consumers must satisfy with the final purpose of make easier their own life conditions as well as for their family’s sake too, for which reason is indispensable for most of the people perform credit transactions and credit sales of goods and services through the massive signing of adhesion contracts. This investigative article aims to make theoretical study about the legal foundations of the “unfair term” concept in the consumer law, and a practical description in an expository manner, according the authors’ legal opinion, about some “presumed” unfair terms that in praxis are often used by the different financing companies in Colombia when the consumer sign with them adhesion contracts about credit transactions and/or acquisition of goods with financing systems offered by those companies and that are ruled by the Colombian consumer statute; we will also inform about the control and protection mechanisms that consumers have against these stipulations.