#2939051
ciallaíonn ‘comhaontú creidmheasa nasctha’ comhaontú creidmheasa inarb amhlaidh:
‘linked credit agreement’ means a credit agreement where:
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#2003740
an seirbhísiú ar chearta creidiúnaí faoi chomhaontú creidmheasa, nó ar an gcomhaontú creidmheasa féin, nár eisigh institiúid creidmheasa atá bunaithe san Aontas ach amháin i gcás ina gcuirtear comhaontú creidmheasa arna eisiúint ag institiúid creidmheasa den sórt sin in ionad chearta an chreidiúnaí faoin gcomhaontú creidmheasa, nó in ionad an chomhaontaithe creidmheasa féin;
the servicing of a creditor’s rights under a credit agreement, or of the credit agreement itself, that was not issued by a credit institution established in the Union except where the creditor’s rights under the credit agreement, or the credit agreement itself, is replaced by a credit agreement issued by such credit institution;
#2939037
ciallaíonn ‘ráta iasachta seasta’ an ráta iasachta a chomhaontaíonn an creidiúnaí agus an tomhaltóir sa chomhaontú creidmheasa ar feadh fhad iomlán an chomhaontaithe creidmheasa, nó roinnt rátaí iasachta a chomhaontaíonn an creidiúnaí agus an tomhaltóir sa chomhaontú creidmheasa ar feadh tréimhsí páirteacha ar ina leith a chinntear na rátaí iasachta agus úsáid eisiach á baint as céatadán seasta sonrach; mura gcinntear na rátaí iasachta uile sa chomhaontú creidmheasa, measfar nach bhfuil an ráta iasachta socraithe ach amháin ar feadh na dtréimhsí páirteacha ar lena n-aghaidh atá na rátaí iasachta cinnte go heisiach le céatadán seasta sonrach a chomhaontaítear ar thabhairt i gcrích an chomhaontaithe creidmheasa;
‘fixed borrowing rate’ means the borrowing rate that the creditor and the consumer agree on in the credit agreement for the entire duration of the credit agreement, or several borrowing rates that the creditor and the consumer agree on in the credit agreement for partial periods for which the borrowing rates are determined exclusively by a fixed specific percentage; if not all borrowing rates are determined in the credit agreement, the borrowing rate shall be deemed to be fixed only for the partial periods for which the borrowing rates are determined exclusively by a fixed specific percentage agreed on the conclusion of the credit agreement;
#2003936
Áiritheoidh na Ballstáit go soláthróidh institiúid creidmheasa an fhaisnéis is gá do cheannaitheoir creidmheasa ionchasach maidir le cearta creidiúnaí faoi chomhaontú creidmheasa neamhthuillmheach, nó maidir leis an gcomhaontú creidmheasa neamhthuillmheach féin, agus, más infheidhme, maidir leis an gcomhthaobhacht, ionas go mbeidh an ceannaitheoir creidmheasa ionchasach in ann a mheasúnú féin a dhéanamh ar luach chearta an chreidiúnaí faoin gcomhaontú creidmheasa neamhthuillmheach, nó ar luach an chomhaontaithe creidmheasa neamhthuillmhigh féin, agus ar an dóchúlacht go n-aisghabhfar luach an chomhaontaithe sin sula ndéanfaidh sé conradh maidir le haistriú chearta an chreidiúnaí sin faoin gcomhaontú creidmheasa neamhthuillhmheach, nó maidir le haistriú an chomhaontaithe creidmheasa neamhthuillmhigh féin, agus cosaint na faisnéise a chuir an institiúid creidmheasa ar fáil agus cosaint rúndacht na sonraí gnó á n-áirithiú aige.
Member States shall ensure that a credit institution provides a prospective credit purchaser with necessary information regarding a creditor’s rights under a non-performing credit agreement, or the non-performing credit agreement itself, and, if applicable, the collateral, so as to enable the prospective credit purchaser to conduct its own assessment of the value of the creditor’s rights under the non-performing credit agreement, or of the non-performing credit agreement itself, and the likelihood of recovery of the value of that agreement prior to entering into a contract for the transfer of that creditor’s rights under the non-performing credit agreement, or of the non-performing credit agreement itself, while ensuring the protection of information made available by the credit institution and of the confidentiality of business data.
#2939336
I gcás comhaontú creidmheasa faoin arb amhlaidh nach n-eascraíonn amúchadh comhfhreagrach láithreach ar an méid iomlán creidmheasa as íocaíochtaí a dhéanann an tomhaltóir, ach a úsáidtear na híocaíochtaí sin mar chaipiteal le linn tréimhsí agus faoi choinníollacha a leagtar síos sa chomhaontú creidmheasa, áireofar sa chomhaontú creidmheasa, mar aon leis an bhfaisnéis dá dtagraítear i mír 1, ráiteas soiléir agus gonta nach ndéantar foráil sna comhaontuithe creidmheasa sin maidir le ráthaíocht go n-aisíocfar an méid iomlán creidmheasa a tharraingítear anuas faoin gcomhaontú creidmheasa, mura rud é go dtugtar ráthaíocht mar sin go sainráite.
In the case of a credit agreement under which payments made by the consumer do not give rise to an immediate corresponding amortisation of the total amount of credit, but are used to constitute capital during periods and under conditions laid down in the credit agreement, or in an ancillary agreement, the credit agreement shall, in addition to the information referred to in paragraph 1, include a clear and concise statement that such credit agreements do not provide for a guarantee of repayment of the total amount of credit drawn down under the credit agreement, unless such a guarantee is given expressly.
#230743
(in imeachtaí a thionscnaítear de bhun Comhaontaithe Creidmheasa)
(in proceedings instituted in pursuance of a Credit Agreement)
#230905
(in imeachtaí a thionscnaítear de bhun an Chomhaontaithe Creidmheasa)
(in proceedings instituted in pursuance of the Credit Agreement)
#230964
FORAITHNE (BREITHIÚNAS ACHOMAIR) (IN IMEACHTAÍ A THIONSCNAÍTEAR DE BHUN COMHAONTAITHE CREIDMHEASA)
DECREE (SUMMARY JUDGMENT) (IN PROCEEDINGS INSTITUTED IN PURSUANCE OF A CREDIT AGREEMENT)
#711989
aon chomhaontú creidmheasa mar a shainmhínítear i bpointe (c) d'Airteagal 3 de Threoir 2008/48/CE;
any credit agreement as defined in point (c) of Article 3 of Directive 2008/48/EC;
#711990
aon chomhaontú creidmheasa mar a shainmhínítear i bpointe (3) d'Airteagal 4 de Threoir 2014/17/AE;
any credit agreement as defined in point (3) of Article 4 of Directive 2014/17/EU;
#2003542
Thairis sin, leis an Treoir seo, cumhdaítear cearta creidiúnaí faoi chomhaontú creidmheasa neamhthuillmheach agus an comhaontú creidmheasa neamhthuillmheach féin.
Moreover, this Directive covers both a creditor’s rights under a non-performing credit agreement and the non-performing credit agreement itself.
#2003559
Dá bhrí sin, ní chumhdaítear leis an Treoir seo ceannaitheoirí creidmheasa agus iad ag gníomhú i gcaitheamh a gceirde, a ngnó nó a ngairme nuair a fhaigheann siad comhaontú creidmheasa ach i gcás inar comhaontú creidmheasa neamhthuillmheach é an comhaontú creidmheasa sin.
Therefore, this Directive covers credit purchasers acting in the course of their trade, business or profession when they acquire a credit agreement only where that credit agreement is a non-performing credit agreement.
#2003578
Leis an Treoir seo, níor cheart difear a dhéanamh do shrianta faoin dlí náisiúnta maidir le cearta creidiúnaí faoi chomhaontú creidmheasa neamhthuillmheach a aistriú, nó an comhaontú creidmheasa neamhthuillmhigh féin a aistriú, ar comhaontú é nach bhfoirceanntar i gcomhréir leis an dlí sibhialta náisiúnta agus é mar éifeacht leis sin go dtagann na méideanna uile is iníoctha faoin gcomhaontú creidmheasa chun bheith dlite láithreach, i gcás ina n-éilítear é sin don aistriú chuig eintiteas atá lasmuigh den chóras bhaincéireachta.
This Directive should not affect restrictions under national law regarding the transfer of a creditor’s rights under a non-performing credit agreement, or a transfer of the non-performing credit agreement itself, that is not terminated in accordance with national civil law with the effect that all amounts payable under the credit agreement become immediately due, where that is required for the transfer to an entity outside the banking system.
#2003670
Na ceannaitheoirí creidmheasa a fhorfheidhmíonn an comhaontú creidmheasa ceannaithe ar bhonn díreach, ba cheart dóibh sin a dhéanamh i gcomhréir leis an dlí is infheidhme maidir leis an gcomhaontú creidmheasa, lena n-áirítear rialacha maidir le cosaint tomhaltóirí is infheidhme maidir leis an iasachtaí.
Credit purchasers that enforce the purchased credit agreement directly should do so in compliance with the law applicable to the credit agreement, including consumer protection rules applicable to the borrower.
#2003690
Is amhlaidh an cás go háirithe i ndáil le comhaontuithe creidmheasa tomhaltóirí fadtéarmacha a thagann faoi raon feidhme Threoir 2014/17/AE, i dtaca le ceart an tomhaltóra oibleagáidí an tomhaltóra faoi chomhaontú creidmheasa a urscaoileadh go hiomlán nó go páirteach sula dtéann an comhaontú creidmheasa sin in éag nó a bheith curtha ar an eolas trí bhíthin na Bileoige Faisnéise Caighdeánaithe Eorpaí, i gcás inarb iomchuí, go bhféadfaí comhaontú creidmheasa a aistriú chuig ceannaitheoir creidmheasa.
That is notably the case in relation to long-term consumer credit agreements falling within the scope of Directive 2014/17/EU, in respect of the right of the consumer to discharge fully or partially the consumer’s obligations under a credit agreement prior to the expiry of that credit agreement or to be informed by means of the European Standardised Information Sheet, where applicable, on the possible transfer of the credit agreement to a credit purchaser.
#2003698
Ba cheart do na Ballstáit a áirithiú nach ndéanfar costais ar bith a bhaineann le haistriú an chomhaontaithe creidmheasa a ghearradh ar an iasachtaí, seachas iad sin a bheidh ar áireamh cheana sa chomhaontú creidmheasa sin.
Member States should ensure that no costs related to the transfer of the credit agreement, other than those already included in that credit agreement, are charged to the borrower.
#2003724
ceannaitheoirí creidmheasa ceart creidiúnaí faoi chomhaontú creidmheasa neamhthuillmheach, nó an chomhaontaithe creidmheasa neamhthuillmhigh féin, arna eisiúint ag institiúid creidmheasa atá bunaithe san Aontas.
credit purchasers of a creditor’s rights under a non-performing credit agreement, or of the non-performing credit agreement itself, issued by a credit institution established in the Union.
#2003736
an seirbhísiú ar chearta creidiúnaí faoi chomhaontú creidmheasa, nó ar an gcomhaontú creidmheasa féin, arna dhéanamh ag:
the servicing of a creditor’s rights under a credit agreement, or of the credit agreement itself, carried out by:
#2003741
ceannach ceart creidiúnaí faoi chomhaontú creidmheasa neamhthuillmheach, nó an chomhaontaithe creidmheasa neamhthuillmhigh féin, ag institiúid creidmheasa atá bunaithe san Aontas;
the purchase of a creditor’s rights under a non-performing credit agreement, or of the non-performing credit agreement itself, by a credit institution established in the Union;
#2003742
aistriú ceart creidiúnaí faoi chomhaontú creidmheasa, nó an chomhaontaithe creidmheasa féin, a aistríodh roimh an dáta dá dtagraítear in Airteagal 32(2), an chéad fhomhír.
the transfer of a creditor’s rights under a credit agreement, or of the credit agreement itself, transferred before the date referred to in Article 32(2), first subparagraph.
#2003756
aon íocaíochtaí a bheidh dlite a bhaineann le cearta creidiúnaí faoi chomhaontú creidmheasa nó faoin gcomhaontú creidmheasa féin a bhailiú nó a aisghabháil ón iasachtaí, i gcomhréir leis an dlí náisiúnta;
collecting or recovering from the borrower, in accordance with national law, any payments due related to a creditor’s rights under a credit agreement or to the credit agreement itself;
#2003758
aon ghearáin a bhaineann le cearta creidiúnaí faoi chomhaontú creidmheasa nó leis an gcomhaontú creidmheasa féin a riar;
administering any complaints relating to a creditor’s rights under a credit agreement or to the credit agreement itself;
#2003759
aon athruithe ar rátaí úis nó ar mhuirir nó aon íocaíochtaí atá dlite a bhaineann le cearta creidiúnaí faoi chomhaontú creidmheasa nó leis an gcomhaontú creidmheasa féin a chur in iúl don iasachtaí;
informing the borrower of any changes in interest rates or charges or of any payments due related to a creditor’s rights under a credit agreement or to the credit agreement itself;
#2003763
ciallaíonn “comhaontú creidmheasa neamhthuillmheach” comhaontú creidmheasa a aicmítear mar risíocht neamhthuillmheach i gcomhréir le hAirteagal 47a de Rialachán (AE) Uimh. 575/2013.
‘non-performing credit agreement’ means a credit agreement that is classified as a non-performing exposure in accordance with Article 47a of Regulation (EU) No 575/2013.
#2003935
Ceart chun faisnéise maidir le cearta creidiúnaí faoi chomhaontú creidmheasa neamhthuillmheach nó maidir leis an gcomhaontú creidmheasa neamhthuillmheach féin
Right to information regarding a creditor’s rights under a non-performing credit agreement or the non-performing credit agreement itself
#2003988
Aistriú ceart creidiúnaí faoi chomhaontú creidmheasa neamhthuillmheach, nó aistriú an chomhaontaithe creidmheasa neamhthuillmhigh féin, ag ceannaitheoir creidmheasa agus cumarsáid leis na húdaráis inniúla
Transfer of a creditor’s rights under a non-performing credit agreement, or of the non-performing credit agreement itself, by a credit purchaser and communication to the competent authorities
#2003994
an bhfuil cearta an chreidiúnaí faoi chomhaontú creidmheasa neamhthuillmheach, nó an comhaontú creidmheasa neamhthuillmheach féin, a tugadh i gcrích le tomhaltóirí agus na cineálacha sócmhainní lena n-urraítear na comhaontuithe creidmheasa neamhthuillmheacha san áireamh san aistriú, nuair is infheidhme.
whether the transfer includes a creditor’s rights under a non-performing credit agreement, or a non-performing credit agreement itself, concluded with consumers and the types of assets securing the non-performing credit agreement, when applicable.
#2004022
an chumhacht chun níos mó faisnéise a iarraidh maidir le haistriú ceart creidiúnaí faoin gcomhaontú creidmheasa neamhthuillmheach, nó aistriú an chomhaontaithe creidmheasa neamhthuillmhigh féin.
the power to request further information pertaining to the transfer of a creditor’s rights under the non-performing credit agreement, or of the non-performing credit agreement itself.
#2004092
Faisnéis maidir le téarmaí agus coinníollacha comhaontaithe creidmheasa a mhodhnú
Information regarding the modification of the terms and conditions of a credit agreement
#2004103
athmhaoiniú iomlán nó páirteach comhaontaithe creidmheasa;
a total or partial refinancing of a credit agreement;
#2004105
síneadh a chur le téarma an chomhaontaithe creidmheasa;
extending the term of the credit agreement;
#2004106
an cineál comhaontaithe creidmheasa a athrú;
changing the type of credit agreement;
#2004132
Cearta an chreidiúnaí nó an comhaontú creidmheasa féin a shannadh
Assignment of the creditor’s rights or of the credit agreement itself
#2557474
go dtí dáta aibíochta an chomhaontaithe creidmheasa a áirítear sa phunann.
until the maturity date of the credit agreement included in the portfolio.
#2938866
Ina theannta sin, i gcás inar comhaontaíodh amhlaidh sa chomhaontú creidmheasa, ba cheart an ceart a bheith ag an gcreidiúnaí ceart an tomhaltóra chun tarraingt anuas ar chomhaontú creidmheasa imrothlaigh a chur ar fionraí ar chúiseanna a bhfuil údar oibiachtúil leo.
In addition, where agreed in the credit agreement, the creditor should have the right to suspend the consumer’s right to draw down on an open-end credit agreement for objectively justified reasons.
#2939032
ciallaíonn ‘seirbhís choimhdeach’ seirbhís a thairgtear don tomhaltóir i gcomhar leis an gcomhaontú creidmheasa;
‘ancillary service’ means a service offered to the consumer in conjunction with the credit agreement;
#2939054
ciallaíonn ‘aisíocaíocht luath’ urscaoileadh iomlán nó páirteach oibleagáidí an tomhaltóra faoi chomhaontú creidmheasa, roimh an dáta a comhaontaíodh sa chomhaontú creidmheasa;
‘early repayment’ means the full or partial discharge of the consumer’s obligations under a credit agreement, before the date agreed in the credit agreement;
#2939068
FAISNÉIS A BHEIDH LE SOLÁTHAR ROIMH THABHAIRT I GCRÍCH AN CHOMHAONTAITHE CREIDMHEASA
INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT
#2939082
i gcás inarb infheidhme, fad an chomhaontaithe creidmheasa;
where applicable, the duration of the credit agreement;
#2939104
fad féideartha an chomhaontaithe creidmheasa;
the possible duration of the credit agreement;
#2939123
fad an chomhaontaithe creidmheasa;
the duration of the credit agreement;
#2939161
I gcás comhaontú creidmheasa faoin arb amhlaidh nach n-eascraíonn amúchadh comhfhreagrach láithreach ar an méid iomlán creidmheasa as íocaíochtaí a dhéanann an tomhaltóir, ach a úsáidtear na híocaíochtaí sin mar chaipiteal le linn tréimhsí agus faoi choinníollacha a leagtar síos sa chomhaontú creidmheasa, nó i gcomhaontú coimhdeach, áireoidh an creidiúnaí agus, i gcás inarb infheidhme, an t-idirghabhálaí creidmheasa san fhaisnéis réamhchonarthach dá dtagraítear i mír 1 ráiteas soiléir agus gonta nach ndéantar foráil sna comhaontuithe creidmheasa sin maidir le ráthaíocht go n-aisíocfar an méid iomlán creidmheasa a tharraingítear anuas faoin gcomhaontú creidmheasa mura rud é go dtugtar an ráthaíocht sin go sainráite.
In the case of a credit agreement under which payments made by the consumer do not give rise to an immediate corresponding amortisation of the total amount of credit, but are used to constitute capital during periods and under conditions laid down in the credit agreement, or in an ancillary agreement, the creditor and, where applicable, the credit intermediary shall in the pre-contractual information referred to in paragraph 1 include a clear and concise statement that such credit agreements do not provide for a guarantee of repayment of the total amount of credit drawn down under the credit agreement, unless such a guarantee is given expressly.
#2939177
na coinníollacha agus an nós imeachta chun an comhaontú creidmheasa a fhoirceannadh;
the conditions and procedure for terminating the credit agreement;
#2939190
Cuirfear mínithe den sórt sin ar fáil saor in aisce agus sula dtabharfar an comhaontú creidmheasa i gcrích.
Such explanations shall be provided free of charge and before concluding the credit agreement.
#2939193
saintréithe fíor-riachtanacha an chomhaontaithe creidmheasa nó na seirbhísí coimhdeacha a bheartaítear;
the essential characteristics of the credit agreement or of the ancillary services proposed;
#2939219
Comhaontú intuigthe chun aon chomhaontú creidmheasa a thabhairt i gcrích nó chun seirbhísí coimhdeacha a cheannach
Inferred agreement for the conclusion of any credit agreement or the purchase of ancillary services
#2939298
Foirm an chomhaontaithe creidmheasa
Form of the credit agreement
#2939302
Faisnéis atá le cur san áireamh sa chomhaontú creidmheasa
Information to be included in the credit agreement
#2939325
an nós imeachta atá le leanúint agus an ceart chun an comhaontú creidmheasa a fhoirceannadh;
the procedure to be followed in exercising the right of termination of the credit agreement;
#2939338
MODHNUITHE AN CHOMHAONTAITHE CREIDMHEASA AGUS ATHRUITHE AR AN RÁTA IASACHTA
MODIFICATIONS OF THE CREDIT AGREEMENT AND CHANGES IN THE BORROWING RATE