A hipervulnerabilidade do consumidor idoso frente aos contratos de empréstimo consignado
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Data
2024-06
Tipo de documento
Artigo Científico
Título da Revista
ISSN da Revista
Título de Volume
Área do conhecimento
Modalidade de acesso
Acesso aberto
Editora
Autores
MEDEIROS, Daiane Fonseca
Orientador
KARVAT, Jaciel Santos
Coorientador
BRUM, Edivane
Resumo
Este estudo teve como objetivo analisar a hipervulnerabilidade do idoso nas relações de consumo, com enfoque nos contratos de empréstimos consignados, buscando identificar a proteção do idoso através do Código de Defesa do consumidor Lei 8.078/90, Estatuto do Idoso Lei 10.741/2003 em conjunto com os aspectos gerais da Lei do Empréstimo Consignado Lei 10.820/2003. Analisou-se os direitos e a proteção constitucional do consumidor idoso, destacando no Direito do Consumidor a vulnerabilidade como princípio resguardado na relação de consumo e o conceito de consumidor. Por fim, identificou-se a situação do idoso enquanto consumidor hipervulnerável e eventuais práticas abusivas nos contratos de empréstimos consignados, buscando compreender como o consumidor idoso é especialmente afetado nesses contratos. Nesse sentido, o presente estudo aborda a situação-problema: É possível reconhecer a hipervulnerabilidade do idoso nos contratos de empréstimo consignado? Ademais, procurou-se analisar circunstâncias decorrentes de práticas abusivas contra os idosos, colocando-os em condições desfavoráveis. O estudo concluiu que a proteção do idoso nas relações de consumo, especialmente nos contratos de empréstimos consignados, é de extrema importância para garantir a sua dignidade e evitar abusos e prejuízos.
This study aimed to analyze the hypervulnerability of the elderly in consumer relations, focusing on payroll loan contracts, seeking to identify the protection of the elderly through the Consumer Protection Code Law 8.078/90, Statute of the Elderly Law 10.741/2003 together with the general aspects of the Payroll Loan Law Law 10,820/2003. The rights and constitutional protection of elderly consumers were analyzed, highlighting in Consumer Law vulnerability as a protected principle in the consumer relationship and the concept of consumer. Finally, the situation of the elderly as a hypervulnerable consumer and possible abusive practices in payroll loan contracts were identified, seeking to understand how the elderly consumer is especially affected in these contracts. In this sense, the present study addresses the problem situation: Is it possible to recognize the hypervulnerability of elderly people under payroll loan contracts? Furthermore, we sought to analyze circumstances arising from abusive practices against the elderly, placing them in unfavorable conditions. The study concluded that the protection of elderly people in consumer relationships, especially in payroll loan contracts, is extremely important to guarantee their dignity and avoid abuse and losses.
This study aimed to analyze the hypervulnerability of the elderly in consumer relations, focusing on payroll loan contracts, seeking to identify the protection of the elderly through the Consumer Protection Code Law 8.078/90, Statute of the Elderly Law 10.741/2003 together with the general aspects of the Payroll Loan Law Law 10,820/2003. The rights and constitutional protection of elderly consumers were analyzed, highlighting in Consumer Law vulnerability as a protected principle in the consumer relationship and the concept of consumer. Finally, the situation of the elderly as a hypervulnerable consumer and possible abusive practices in payroll loan contracts were identified, seeking to understand how the elderly consumer is especially affected in these contracts. In this sense, the present study addresses the problem situation: Is it possible to recognize the hypervulnerability of elderly people under payroll loan contracts? Furthermore, we sought to analyze circumstances arising from abusive practices against the elderly, placing them in unfavorable conditions. The study concluded that the protection of elderly people in consumer relationships, especially in payroll loan contracts, is extremely important to guarantee their dignity and avoid abuse and losses.
Palavras-chave
direito do consumidor, empréstimo consignado, idoso, vulnerabilidade