#1072295
Airgead d'fháil trí iasacht nó rótharraingt shealadach.
Borrowing by way of temporary loan or overdraft.
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Bailiúcháin
46 toradh in 19 doiciméad
#1874796
Ní dhéanfar aon chuntas bainc de chuid ESDC a rótharraingt.
No ESDC bank account shall be overdrawn.
#1908007
Ní féidir aon chuntas bainc de chuid na Saoráide a rótharraingt.
No bank account of the Facility may be overdrawn.
#2938796
Maidir leis sin, ba cheart deonú creidmheasa gan iarraidh a thoirmeasc, lena n-áirítear cártaí creidmheasa neamhiarrtha réamh-fhormheasta a sheoltar chuig tomhaltóirí, saoráid rótharraingthe nua nó rótharraingt intuigthe a thabhairt isteach go haontaobhach nó méadú aontaobhach rótharraingt, rótharraingt intuigthe nó teorainn cárta creidmheasa tomhaltóra.
In that regard, unsolicited granting of credit, including non-requested pre-approved credit cards sent to consumers, the unilateral introduction of a new overdraft facility or overrunning or the unilateral increase in the limit of a consumer’s overdraft, overrunning or credit card, should be prohibited.
#2938848
Tá saoráidí rótharraingthe agus an rótharraingt intuigthe ag éirí níos coitianta mar chineálacha creidmheas tomhaltóirí.
Overdraft facilities and overrunning are increasingly common forms of consumer credit.
#2939360
SAORÁIDÍ RÓTHARRAINGTHE AGUS RÓTHARRAINGT INTUIGTHE
OVERDRAFT FACILITIES AND OVERRUNNING
#2939380
Rótharraingt intuigthe
Overrunning
#2939384
an rótharraingt intuigthe;
the overrunning;
#2997946
Rótharraingt;
Overdraft;
#1389750
(b) San alt seo agus in alt 23 ciallaíonn “rótharraingt” fiach a thabhaítear trí chuntas a rótharraingt nó trí chuntas aon duine a fhéichiúnú mar shealbhóir cárta creidmheasa nó faoi chomhshocraíochtaí dá shamhail.
( b ) In this section and in section 23 "overdraft" means a debt incurred by overdrawing an account or by debiting the account of any person as the holder of a credit card or under similar arrangements.
#2938852
I gcás rótharraingt intuigthe shuntasach is faide ná tréimhse míosa, ba cheart don chreidiúnaí faisnéis a chur faoi bhráid an tomhaltóra gan mhoill maidir leis an rótharraingt intuigthe, lena n-áirítear an méid lena mbaineann, an ráta iasachta agus aon phionós, muirear nó ús ar riaráistí.
In the event of a significant overrun exceeding a period of one month, the creditor should present the consumer without delay with information on the overrun, including the amount involved, the borrowing rate and any applicable penalties, charges or interest on arrears.
#2939050
ciallaíonn ‘rótharraingt intuigthe’ rótharraingt, a bhfuil glacadh léi go hintuigthe, trína gcuireann creidiúnaí cistí ar fáil do thomhaltóir, cistí is mó ná an t-iarmhéid reatha i gcuntas reatha an tomhaltóra nó an tsaoráid rótharraingthe a comhaontaíodh;
‘overrunning’ means a tacitly accepted overdraft whereby a creditor makes available to a consumer funds which exceed the current balance in the consumer’s current account or the agreed overdraft facility;
#1389734
(a) a íocfar nó is iníoctha tar éis an dáta feidhme ar rótharraingt nach raibh ar marthain ar an dáta sin, nó
( a ) paid or payable after the operative date on an overdraft which was not in existence on that date, or
#1389736
(b) a íocfar nó is iníoctha an 6ú lá d'Aibreán, 1983, nó dá éis, ar rótharraingt a bhí ar marthain ar an dáta feidhme.
( b ) paid or payable on or after the 6th day of April, 1983, on an overdraft which was in existence on the operative date.
#1389738
(2) Iasacht a bheidh tugtha an 5ú lá d'Aibreán, 1983, nó roimhe, in ionad rótharraingt dá dtagraítear i bhfo-alt (1) (b), measfar, chun críocha ailt 21 agus 23—
(2) A loan made on or before the 5th day of April, 1983, replacing an overdraft referred to in subsection (1) (b) shall, for the purposes of sections 21 and 23, be deemed—
#1389768
(i) a íocfar tar éis an dáta feidhme ar rótharraingt nach raibh ar marthain ar an dáta sin,
(i) paid after the operative date on an overdraft which was not in existence on that date,
#1389770
(ii) a íocfar an 6ú lá d'Aibreán, 1983, nó aon lá dá éis, ar rótharraingt a bhí ar marthain ar an dáta feidhme, agus
(ii) paid on or after the 6th day of April, 1983, on an overdraft which was in existence on the operative date, and
#1399913
(iii) a íocfar tar éis an dáta feidhme ar rótharraingt nach raibh ar marthain ar an dáta sin,
(iii) paid after the operative date on an overdraft which was not in existence on that date,
#1399915
(iv) a íocfar an 6ú lá d'Aibreán, 1983, nó aon lá dá éis, ar rótharraingt a bhí ar marthain ar an dáta feidhme, agus
(iv) paid on or after the 6th day of April, 1983, on an overdraft which was in existence on the operative date, and
#2193199
Léirigh cuardach eile freisin go ngearrann Barclay táillí rótharraingt ghnó níos airde, ó 1,6 % suas go dtí 2,5 % de na teorainneacha do na bandaí gnó £ 15001 – £ 20000 agus £ 20001 – £ 25000.
A further search also showed that Barkley charges higher business overdraft fees, from 1,6 % up to 2,5 % of the limits for the business bands GBP 15001 – GBP 20000 and GBP 20001 – GBP 25000.
#2938851
Dá bhrí sin, ba cheart cearta tomhaltóirí i leith saoráidí rótharraingthe agus rótharraingt intuigthe a leagan síos sa Treoir seo.
Therefore, consumer rights in respect of overdraft facilities and overrunning should be laid down in this Directive.
#2939004
I gcás comhaontuithe creidmheasa i bhfoirm rótharraingt intuigthe, ní bheidh feidhm ach amháin ag na hAirteagail a leanas:
In the case of credit agreements in the form of overrunning, only the following Articles shall apply:
#2939393
Déanfar aisíocaíocht den sórt sin in 12 thráthchuid mhíosúla chomhionanna ach amháin má roghnaíonn an tomhaltóir aisíocaíocht níos luaithe a dhéanamh, ag an ráta iasachta is infheidhme maidir leis an rótharraingt intuigthe.
Such a repayment shall be made in 12 equal monthly instalments unless the consumer chooses to repay earlier, at the borrowing rate applicable to the overrunning.
#430456
(c) faoi threoir cibé ráta breise eile is cuí leis an Aire, ag cur sa chuntas an costas chun tobhach nár íocadh a ghnóthú, lena n-áirítear aon mhuirir bainc a thabhóidh an Ghníomhaireacht ag cothabháil rótharraingt bhainc chun easnamh i gcistí a chumhdach is easnamh a éiríonn as tobhach nár íocadh.
(c) such other additional rate as the Minister considers appropriate taking into account the cost of recovering unpaid levy, including any bank charges the Agency may incur in maintaining a bank overdraft to cover a shortfall in funds arising out of unpaid levy.
#440361
38.—(1) Féadfaidh ollscoil airgead a fháil ar iasacht trí rótharraingt bhainc nó ar shlí eile agus féadfaidh sí ráthaíocht a thabhairt i leith iasachta nó frithghealladh a dhéanamh ar iasacht arna glacadh, nó arna gabháil air féin nó uirthi féin, ag duine nó ag comhlacht daoine.
38.—(1) A university may borrow money by means of bank overdraft or otherwise and may guarantee or underwrite a loan taken or borrowing undertaken by a person or a body of persons.
#1134301
(b) féadfar airgead a fháil ar iasacht ar mhodh ar bith is oiriúnach leis an údarás áitiúil, lena n-áirítear, go sonrach, é a fháil ar iasacht trí mhorgáiste, billí malairte a tharraingí, stoc nó bannaí a eisiúint, iasacht sealadach nó rótharraingt,
( b ) the borrowing may be effected in any manner which the local authority consider suitable, including, in particular, by way of mortgage, drawing of bills of exchange, issue of stock or bonds, temporary loan or overdraft,
#1254790
(2) Féadfar airgead a fháil ar iasacht faoin alt seo in aon slí a mheasfaidh an bord a bheith oiriúnach lena n-áirítear, go háirithe, ar mhodh morgáiste, billí malairte a tharraingt, stoic nó bannaí a eisiúnt, iasacht sealadach no rótharraingt.
(2) Borrowing under this section may be effected in any manner which the health board consider suitable including, in particular, by way of mortgage, drawing of bills of exchange, issue of stock or bonds, temporary loan or overdraft.
#1324961
—(1) Féadfaidh an tUdarás, le toiliú an Aire arna thabhairt le toiliú an Aire Airgeadais agus faoi réir aon choinníollacha a fhorchuirfidh an tAire, airgead a fháil ar iasacht trí rótharraingt bainc, nó ar dhóigh eile, chun a fheidhmeanna a riaradh agus a oibriú.
—(1) The Authority may, with the consent of the Minister given with the consent of the Minister for Finance and subject to any conditions imposed by the Minister, borrow by means of bank over-draft, or otherwise, moneys for the purpose of the administration and operation of its functions.
#1347386
“10.—(1) Féadfaidh an Foras, le toiliú an Aire, arna thabhairt le toiliú an Aire Airgeadais agus faoi réir aon choinníollacha a fhorchuirfidh an tAire, airgead a fháil ar iasacht trí rótharraingt bainc, nó ar dhóigh eile, chun a fheidhmeanna a riaradh agus a oibriú.
"10.—(1) The Institute may, with the consent of the Minister, given with the consent of the Minister for Finance and subject to any conditions imposed by the Minister, borrow by means of bank overdraft, or otherwise, moneys for the purpose of the administration and operation of its functions.
#1354211
—(1) Féadfaidh an Príomh-Bhord agus, faoi réir fho-alt (2) den alt seo, féadfaidh aon bhord réigiúnach, le toiliú an Aire arna thabhairt le toiliú an Aire Airgeadais, agus faoi réir aon choinníollacha a fhorchuirfidh an tAire, airgead a fháil ar iasacht trí rótharraingt bainc nó eile.
—(1) The Central Board and, subject to subsection (2) of this section, any regional board may, with the consent of the Minister given with the consent of the Minister for Finance and subject to any conditions imposed by the Minister, borrow money by means of bank overdraft or otherwise.
#1389744
(3) Don bhliain 1982-83 ní bheidh méid an úis ar rótharraingt atá cáilithe le haghaidh faoisimh faoi na príomh-ailt níos mó ná méid an úis ab iníoctha don bhliain sin ar mhéid na rótharraingte ar an dáta feidhme de réir an ráta ar arbh iníoctha ús ar an méid sin ar an dáta sin.
(3) For the year 1982-83 the amount of interest on an overdraft eligible for relief under the principal sections shall not exceed the amount of interest which would have been payable for that year on the amount of the overdraft on the operative date at the rate at which interest on that amount was chargeable on that date.
#1389748
(5) (a) Chun críocha an ailt seo agus alt 23, áireofar iasacht a bheith curtha in ionad rótharraingte má úsáidtear í d'aontoisc d'urscaoileadh na rótharraingte sin nó d'urscaoileadh rótharraingt nó iasacht a cuireadh in ionad na rótharraingte sin nó a d'urscaoil í.
( 5 ) ( a ) For the purposes of this section and section 23 a loan shall be regarded as replacing an overdraft if it is used solely for the purpose of discharging that overdraft or an overdraft or loan replacing or discharging that overdraft.
#1389772
(d) le hús ar rótharraingt dá dtagraítear i mír (c) (ii), i gcás ar sa bhliain dar críoch an 5ú lá d'Aibreán, 1983, a bheidh an t-ús sin íoctha sa mhéid gur mó méid an úis ná méid an úis ab iníoctha don bhliain sin ar mhéid na rótharraingte ar an dáta feidhme de réir an ráta ar arbh inmhuirearaithe ús ar an méid sin ar an dáta feidhme,
( d ) interest on an overdraft referred to in paragraph (c) (ii) where that interest is paid in the year ending on the 5th day of April, 1983, in so far as the amount of the interest exceeds the amount of the interest which would have been payable for that year on the amount of the overdraft on the operative date at the rate at which interest on that amount was chargeable on the operative date,
#1399917
(d) le hús ar rótharraingt dá dtagraítear i mír (c) (iv) i gcás ar sa bhliain dar críoch an 5ú lá d'Aibreán, 1983, a bheidh an t-ús sin íoctha, sa mhéid gur mó méid an úis ná méid an úis ab iníoctha don bhliain sin ar mhéid na rótharraingte ar an dáta feidhme de réir an ráta ar arbh inmhuirearaithe ús ar an méid sin ar an dáta feidhme,
( d ) interest on an overdraft referred to in paragraph (c) (iv) where that interest is paid in the year ending on the 5th day of April, 1983, in so far as the amount of the interest exceeds the amount of the interest which would have been payable for that year on the amount of the overdraft on the operative date at the rate at which interest on that amount was chargeable on the operative date,
#1411034
(9) Nuair a bheifear ag cinneadh, chun críocha an ailt seo, an bhfuil baint ag pearsa aonair le cuideachta, aon fhiach a thabhaigh an chuideachta trí chuntas a rótharraingt le duine atá ag seoladh gnó baincéireachta ní dhéileálfar leis mar chaipiteal iasachta de chuid na cuideachta más i ngnáthchúrsa an ghnó sin a tabhaíodh an fiach.
(9) In determining, for the purposes of this section, whether an individual is connected with a company, no debt incurred by the company by overdrawing an account with a person carrying on a business of banking shall be treated as loan capital of the company if the debt arose in the ordinary course of that business. [GA]
#1431619
(9) Nuair a bheifear ag cinneadh, chun críocha an ailt seo, cibé atá nó nach bhfuil baint ag pearsa aonair le cuideachta choimircíochta cháilitheach, ní dhéileálfar le haon fhiach a thabhaigh an chuideachta trí chuntas a rótharraingt le duine atá ag seoladh gnó baincéireachta mar chaipiteal iasachta de chuid na cuideachta más i ngnáthchúrsa an ghnó sin a tabhaíodh an fiach.
(9) In determining, for the purposes of this section, whether an individual is connected with a qualifying sponsoring company, no debt incurred by the company by overdrawing an account with a person carrying on a business of banking shall be treated as loan capital of the company if the debt arose in the ordinary course of that business.
#1523064
(10) Féadfaidh comhlacht ceannais, le toiliú an choiste gairmoideachais agus an Aire agus le ceadú an Aire Airgeadais, airgead a fháil ar iasacht trí rótharraingt bhainc nó ar shlí eile chun críocha an choláiste.
(10) A governing body may, with the consent of the vocational education committee and the Minister and the approval of the Minister for Finance, borrow by means of bank overdraft or otherwise money for the purposes of the college.
#2531103
Ní dhéanfaidh an soláthraí leachtachta an cuntas leachtachta a rótharraingt i ndáil le hairgead tirim nó le scaireanna agus áiritheoidh sé go bhfuil na hacmhainní sin i gcomhréir leis na tairseacha dá dtagraítear i bpointe 3.3, an dara mír.
The liquidity provider shall not overdraw the liquidity account either in relation to cash or shares and shall ensure that those resources are in line with the thresholds referred to in point 3.3, second paragraph.
#2938679
Ba cheart an díolúine sin a bheith gan dochar do chur i bhfeidhm na bhforálacha ábhartha maidir le saoráidí rótharraingthe nó rótharraingt intuigthe, forálacha ar cheart feidhm a bheith acu i gcás ina dtéann an aisíocaíocht thar an iarmhéid deimhneach sa chuntas reatha.
That exemption should be without prejudice to the application of relevant provisions on overdraft facilities or overrunning, which should apply in case the repayment exceeds the positive balance in the current account.
#2938853
I gcás rótharraingt intuigthe thráthrialta, ba cheart don chreidiúnaí seirbhísí comhairleacha a sholáthar don tomhaltóir, i gcás ina mbeidh siad ar fáil, chun cuidiú leis an tomhaltóir roghanna malartacha nach bhfuil chomh costasach céanna a shainaithint, agus an tomhaltóir a atreorú i dtreo fiach-sheirbhísí comhairleacha.
In the case of regular overrunning, the creditor should offer the consumer advisory services, where available, to help the consumer identify less expensive alternatives, and redirect the consumer towards debt advisory services.
#2939381
I gcás comhaontú chun cuntas reatha a oscailt, i gcás ina bhfuil féidearthacht go gceadófaí rótharraingt intuigthe don tomhaltóir, ceanglóidh na Ballstáit go n-áireoidh an creidiúnaí faisnéis faoin bhféidearthacht sin sa chomhaontú sin, mar aon le faisnéis faoin ráta iasachta, na coinníollacha lena rialaítear cur i bhfeidhm an ráta sin, aon innéacs nó ráta tagartha is infheidhme maidir leis an ráta tosaigh iasachta, na muirir is infheidhme ón tráth a thugtar an comhaontú creidmheasa i gcrích, agus, i gcás inarb infheidhme, na coinníollacha faoina bhféadfar na muirir sin a athrú.
In the case of an agreement to open a current account, where there is a possibility that the consumer is allowed an overrun, Member States shall require that the creditor includes information on that possibility in that agreement, as well as information on the borrowing rate, the conditions governing the application of that rate, any index or reference rate applicable to the initial borrowing rate, the charges applicable from the time the credit agreement is concluded, and, where applicable, the conditions under which those charges may be changed.
#2939383
I gcás rótharraingt intuigthe shuntasach is faide ná tréimhse míosa, ceanglóidh na Ballstáit go gcuirfidh an creidiúnaí an tomhaltóir ar an eolas gan mhoill, ar pháipéar nó ar mheán marthanach eile arna roghnú ag an tomhaltóir agus a shonraítear sa chomhaontú chun cuntas reatha a oscailt, maidir leis na nithe uile seo a leanas:
In the event of a significant overrunning exceeding a period of one month, Member States shall require that the creditor informs the consumer without delay, on paper or another durable medium chosen by the consumer and specified in the agreement to open a current account, of all of the following:
#2939389
Ina theannta sin, i gcás rótharraingt intuigthe thráthrialta, déanfaidh an creidiúnaí seirbhísí comhairleacha a thairiscint don tomhaltóir, i gcás ina bhfuil siad ar fáil, agus an tomhaltóir a atreorú saor in aisce i dtreo fiach-sheirbhísí comhairleacha.
In addition, in the case of regular overrunning, the creditor shall offer the consumer advisory services, where available, and redirect the consumer at no cost towards debt advisory services.
#2939391
Ceanglóidh na Ballstáit ar an gcreidiúnaí fógra a thabhairt don tomhaltóir ar bhealach comhaontaithe nuair nach gceadaítear an rótharraingt intuigthe a thuilleadh nó nuair a laghdaítear teorainn an rótharraingthe intuigthe 30 lá ar a laghad roimh an lá a ghabhfaidh éifeacht le laghdú nó cealú iarbhír na saoráide rótharraingthe intuigthe.
Member States shall require the creditor to notify the consumer in an agreed manner when the overrunning is not allowed anymore or the limit of the overrunning is reduced at least 30 days prior to the day when the actual cancellation or reduction of the overrunning takes effect.
#2939392
I gcás ina ndéantar an rótharraingt intuigthe a laghdú nó a chur ar ceal, ceanglóidh na Ballstáit ar an gcreidiúnaí an deis a thairiscint don tomhaltóir, sula dtionscnófar na himeachtaí forfheidhmiúcháin, gan aon chostais bhreise, an méid iarbhír a tarraingíodh anuas a aisíoc go feadh mhéid an laghdaithe sin nó an chealaithe sin.
Where the overrunning is reduced or cancelled, Member States shall require that the creditor offer the consumer, before the enforcement proceedings have been initiated, at no additional cost, the possibility to repay the amount actually drawn down to the extent of that reduction or cancellation.
#2939394
Féadfaidh na Ballstáit forálacha níos déine a choinneáil nó a ghlacadh maidir le hábhair a bhaineann le cosaint tomhaltóirí a bhfuil rótharraingt intuigthe acu seachas iad siúd dá dtagraítear san Airteagal seo, i gcomhréir le dlí an Aontais.
Member States may maintain or adopt more stringent provisions on matters related to the protection of consumers holding an overrunning other than those referred to in this Article, in accordance with Union law.