Local view for "http://purl.org/linkedpolitics/eu/plenary/2008-01-15-Speech-2-067"
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"en.20080115.7.2-067"2
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".
Mr President, when rules are laid down as to how an agreement between two parties is to be drafted, account must of course be taken of whether the parties have equal status or whether one party has an advantage over the other from the outset. If one party has an advantage, this must be taken into account in the way the agreement is drafted and a formula must be devised which strengthens the weaker party.
When it is a case of consumer credit, which is what we are discussing now, it is the person needing credit who is in the less favourable position. Unfortunately neither the rapporteur nor the compromise proposal take sufficient account of this responsibility, of consumers’ rights and consumer protection. This is particularly serious since it is invariably those with the least financial resources who seek purchase credit.
I also want to say that, despite the fact that we have a decision requiring gender mainstreaming in all our work here in Parliament, no gender analysis of this directive has been carried out, also despite the fact that we know that many women on the lowest wages are precisely those who often get caught in the debt trap. I maintain that there must be a ceiling on the level of compensation to be paid in the event of the early repayment of loans. I also maintain that a three-day cooling-off period is far too short. Besides, I want minimum harmonisation, not maximum harmonisation."@en1
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