Ba cheart an ceart a bheith ag na páirtithe conarthacha foirceannadh caighdeánach a dhéanamh ar chomhaontú creidmheasa imrothlaigh.
The contracting parties should have the right to effect a standard termination of an open-end credit agreement.
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.
i gcás inarb infheidhme, an fhaisnéis maidir le comhaontú creidmheasa neamhiata a fhoirceannadh dá dtagraítear in Airteagal 28(1), an dara fomhír, agus in Airteagal 28(2);
where applicable, the information on the termination of an open-end credit agreement referred to in Article 28(1), second subparagraph, and Article 28(2);
Áiritheoidh na Ballstáit go bhféadfaidh an creidiúnaí, i gcás ina gcomhaontófar amhlaidh sa chomhaontú creidmheasa, ar chúiseanna a bhfuil údar oibiachtúil leo, foirceannadh a dhéanamh ar cheart an tomhaltóra tarraingt anuas ar chomhaontú creidmheasa neamhiata.
Member States shall ensure that the creditor may, where agreed in the credit agreement, for objectively justified reasons, terminate the consumer’s right to draw down on an open-end credit agreement.
I gcás comhaontú creidmheasa neamhiata, seachas saoráid rótharraingthe, glacfar leis:
In the case of an open-end credit agreement, other than an overdraft facility, it shall be assumed that:
Áiritheoidh na Ballstáit go bhféadfaidh an tomhaltóir foirceannadh caighdeánach ar chomhaontú creidmheasa neamhiata a fheidhmiú saor in aisce tráth ar bith, mura rud é go mbeidh tréimhse fógra comhaontaithe ag na páirtithe.
Member States shall ensure that the consumer may effect standard termination of an open-end credit agreement free of charge at any time, unless the parties have agreed on a period of notice.
Áiritheoidh na Ballstáit go bhféadfaidh an creidiúnaí, i gcás ina gcomhaontófar amhlaidh sa chomhaontú creidmheasa, foirceannadh caighdeánach ar chomhaontú creidmheasa neamhiata a fheidhmiú trí fhógra 2 mhí ar a laghad a thabhairt don tomhaltóir ar pháipéar nó ar mheán marthanach eile a shonraítear sa chomhaontú creidmheasa.
Member States shall ensure that the creditor may, where agreed in the credit agreement, effect standard termination of an open-end credit agreement by giving the consumer at least two months’ notice on paper or another durable medium specified in the credit agreement.
Chun críocha an phointe sin, is é is comhaontú creidmheasa neamhiata ann comhaontú creidmheasa gan fad seasta agus lena n-áirítear creidmheasanna nach mór a aisíoc go hiomlán laistigh de thréimhse nó ina diaidh ach, nuair a aisíoctar iad, tagann siad chun bheith ar fáil arís lena dtarraingt anuas.
For the purposes of this point, an open-end credit agreement is a credit agreement without a fixed duration and includes credits that must be repaid in full within or after a period but, once repaid, become available to be drawn down again.