Komissio vastasi Korholan kysymykseen velallisten suojaamisesta ja kaupallisissa toimissa tapahtuvien maksuviivästysten torjumisesta

Kirjallisesti vastattava kysymys E-000246/2014

komissiolle

työjärjestyksen 117 artikla

Eija-Riitta Korhola (PPE)

Aihe:            Velallisten suojaaminen ja kaupallisissa toimissa tapahtuvien maksuviivästysten torjumisesta annetun direktiivin 2011/7/EY tarkistaminen

Kaupallisissa toimissa tapahtuvien maksuviivästysten torjumisesta 29 päivänä kesäkuuta 2000 annettu Euroopan parlamentin ja neuvoston direktiivi 2011/7/EY koskee sisämarkkinoiden ytimeen kuuluvaa asiaa. Maksuviivästykset vaikuttavat sekä yksityiseen sektoriin että julkiseen sektoriin ja myös EU:n kansalaisten jokapäiväiseen elämään. Talouskriisin ja pikaluottojen yleistymisen vuoksi mutta myös siitä syystä, että nuorilla henkilöiltä puuttuu selkeä käsitys laista ja oikeudesta, oikeussuojasta sekä aggressiivisista perintäkäytännöistä, yhä useammille (enimmäkseen nuorille) henkilöille kertyy suuri velkataakka. Näin ollen on olennaisen tärkeää, että mainittua direktiiviä tarkistetaan, jotta voidaan varmistaa, että se vastaa kaupallisen liiketoiminnan nykytilannetta.

Mainitun direktiivin johdanto-osan 21 kohdan mukaan ”direktiivillä ei saisi rajoittaa jäsenvaltioiden oikeutta säätää perintäkulujen korvaamisesta kiinteillä summilla, jotka ovat korkeampia ja siten velkojalle edullisempia”. Edellä mainittu ja samaa asiaa koskeva johdanto-osan 28 kohta on velallisen kannalta hyvin epäedullinen, koska velalliset ovat monessa tapauksessa heikommassa asemassa kuin velkojat;

Kansalaiset, joita edustan, ovat erityisen huolestuneita tietynkaltaisesta kehityksestä. Ensiksikin monet velkojina toimivat yritykset ovat sisällyttäneet perintäyritykset omaan rakenteeseensa, mikä vähentää läpinäkyvyyttä velallisen kannalta. Toiseksi on perintäyrityksiä syytetään siitä, että ne lähettävät laskun vasta eräpäivän jälkeen, mikä johtaa korkokulujen ja viivästymismaksujen kertymiseen, sekä siitä, että ne lähettävät laskuja velallisen entiseen osoitteeseen, mikä on erityinen ongelma rajat ylittävissä tapauksissa. Lopuksi on todettava, että pikaluottoyritykset ovat harhaanjohtaneet asiakkaitaan myöntämällä vain yli 2 000 euron luottoja, vaikka asiakas haluaisi vain paljon pienemmän luoton. Edellä mainitun tuloksena asiakkaat joutuvat maksamaan suurempia korkokuluja yli 2 000 euron luotoista.

1.    Onko komissio arvioinut säännöllisesti direktiivin täytäntöönpanoa ja soveltuvuutta ennen direktiivin 11 artiklassa määrättyä määräpäivää, mikä on 16. maaliskuuta 2016?

2.    Onko komissio harkinnut direktiivin tarkistamista velallisia suosivampaan suuntaan? Jos on,             millä tavoin?

3.    Noudattavatko jäsenvaltiot mainittua direktiiviä? Mitkä ovat suurimmat puutteellisuudet jäsenvaltioissa?

4.    Katsooko komissio, että direktiiviin olisi sisällytettävä uusia määräyksiä, jotka koskevat perintätoimistoja sekä pikaluottoalan oikeuksia ja velvollisuuksia?

 

 

FI

E-000246/2014

Antonio Tajanin

komission puolesta antama vastaus

(25.2.2014)

1. Komissio seuraa tarkasti, että direktiivi 2011/7/EU saatetaan asianmukaisesti osaksi kansallista lainsäädäntöä ja pannaan täytäntöön kaikissa 28 jäsenvaltiossa. Komissio on ottanut yhteyttä jäsenvaltioihin, jos on näyttänyt siltä, että niiden toimenpiteet direktiivin saattamiseksi osaksi kansallista lainsäädäntöä eivät ole olleet täysin direktiivin mukaisia. Maksuviivästyksiä koskevan tiedotuskampanjan yhteydessä järjestettävissä tapahtumissa komissio niin ikään kiinnittää huomiota direktiivin täytäntöönpanoon liittyviin ongelmiin.

2. Direktiiviä sovelletaan yritysten tai viranomaisten ja yritysten välisiin kaupallisiin toimiin, jotka johtavat tavaroiden toimittamiseen tai palvelujen suorittamiseen korvausta vastaan. Näin ollen direktiivin soveltamisalaan eivät kuulu kuluttajien kanssa suoritettavat toimet tai tietyt rahoituspalvelut[1].

Tällä hetkellä direktiivin tarkistaminen ei ole suunnitelmissa. Jos komission tietoon kuitenkin saatetaan, että velallisen kannalta suotuisempia säännöksiä tarvitaan, se voi harkita asiaa koskevien ehdotusten antamista esittäessään 16. maaliskuuta 2016 mennessä Euroopan parlamentille kertomuksen direktiivin täytäntöönpanosta[2].

3. Tähän mennessä komissio on arvioinut direktiivin täytäntöönpanoa viidessä jäsenvaltiossa, eikä se löytänyt huomautettavaa. Jäljellä olevien jäsenvaltioiden lainsäädäntöä arvioidaan parhaillaan. Eräillä jäsenvaltioilla näyttää olevan ongelmia viranomaisten kanssa tehtävien sopimusten maksuaikojen soveltamisessa.

4. Tällä hetkellä komission tiedossa ei ole, että perintätoimistoja[3] tai pikaluottoalaa koskevat uudet säännöt olisivat tarpeen. Mutta kuten edellä 2 kohdassa todetaan, komissio voi antaa tällaisia ehdotuksia, jos se tulevassa kertomuksessaan katsoo sen aiheelliseksi.[4]

 


[1]     Direktiivin 1 artikla ja 2 artiklan 1 kohta ja direktiivin johdanto-osan 8 kappale.

[2]     Direktiivin 11 artikla.

[3]     Direktiivin 6 artiklan 3 kohta.

[4]     Direktiivin 11 artikla.

 

 

 

 

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