Autori
Sampagnaro, Gabriele
Corsaro, Stefania
Marino, Zelda

Titolo
Profili quantitativi di determinazione della quota dei premi assicurativi non goduti
Periodico
Banca impresa società
Anno: 2019 - Volume: 38 - Fascicolo: 2 - Pagina iniziale: 339 - Pagina finale: 366

This study aims to identify a “criteriaµ able to determine the refund of a payment protection insurance (PPI) premiums in the event of an early repayment of a loan. While the current criterion employed both by regular courts and in arbitration, i.e “pro rata temporis criteriaµ, is respectful of the principle of fairness, it is not fully compliant with the relevant legislation on the rights of consumers of financial services. In fact, the article 22, paragraph 15-quater of the D.L. 18/10/2012 n. 179, which almost entirely repeats the content of art. 49 of the IVASS Regulation 35/2010, states that the repayment of the premium must be made also considering the residual debt; since "pro rata temporis" principle doesn’t consider the residual debt of the loan, it leads to an overestimation of the refund that a consumer receive if he pays off the loan early. On the basis of these premises, the article proposes some alternative criteria able to mitigate the shortcoming of "pro rata temporis" principle.



SICI: 1120-9453(2019)38:2<339:PQDDDQ>2.0.ZU;2-R
Testo completo: https://www.rivisteweb.it/download/article/10.1435/94747
Testo completo alternativo: https://www.rivisteweb.it/doi/10.1435/94747

Esportazione dati in Refworks (solo per utenti abilitati)

Biblioteche ACNP che possiedono il periodico