Examinando por Materia "Consumidor financiero"

Mostrando 1 - 8 de 8
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    Ítem
    Análisis de los presupuestos de las cláusulas abusivas en el contrato de seguro bajo la ley colombiana y su aplicación en casos prácticos
    (Universidad EAFIT, 2022) Sierra Gómez, Laura; Villegas Ríos, Juanita; Ceballos Klinkert, Laura
    Due to the high demand of insurance contracts, the insurers have implemented the contracting of these through adhesion contracts, which possibly imply an unbalance between the parties. As a result, the insurance company usually imposes unfair terms on the insured, in detriment of his rights. However, the criteria for identifying unfair terms in the insurance agreement are not fully specified in our legal system. Therefore, it is of major importance for the insured to be aware of the requirements that make up such clauses. Consequently, this paper will identify the characteristics of unfair terms in the framework of the insurance contract in Colombia, based on an integrated analysis of the relevant laws, the jurisprudence of the Supreme Court of Justice and the national and foreign doctrine. Afterwards, a casuistic analysis will be carried out, which shall allow to put into practice, and thus reinforce, the previously analyzed theory.
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    Ítem
    Las cláusulas abusivas en el Contrato de seguro
    (Universidad EAFIT, 2018) Calle Saldarriaga, Juan Manuel; Vargas Piedrahíta, Carlos José; Mejía Rico, Esteban
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    Publicación
    Derechos del consumidor financiero ante negación o finalización unilateral injustificada de un producto bancario. Análisis desde una perspectiva del consumidor financiero
    (Universidad EAFIT, 2024) Gil Jimenéz, Óscar; Nieto Nieto, Norma Cecilia
    This article presents the results of the research project developed by the author to answer the question: What legal mechanisms exist in Colombia to protect the financial consumer when a banking entity decides to deny access or unilaterally terminate a contract? The text is presented in four main sections: the first deals with offering a characterization and approach to the definition of financial consumer; The second identifies and explains the protection and claim mechanisms available and the emerging rights for the consumer; thirdly, the avenues available to the financial consumer in the event of an eventual unjustified unilateral termination of a contract or unjustified denial of access to any product or service by a banking entity. To carry out the research, the qualitative legal research methodology was chosen, allowing the documentation, review and reading of the legal phenomenon that is intended to be studied, to recognize the structure of the financial system and the fundamental aspects of the relationship that exists between the consumer and the banking entities, and thus carry out an objective analysis of the access to the Financial System from the perspective of the growing area of Consumer Law.
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    Ítem
    Introducción a las Fintech : alcance de su concepto y marco legal en Colombia
    (Universidad EAFIT, 2023) Gutiérrez Sánchez, Mariana; Moreno Figueroa, María José; Mejía Gutiérrez, Juan David
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    Publicación
    La obligación de información en el contrato de seguro : las objeciones deben ser serias y fundadas
    (Universidad EAFIT, 2022) Castañeda Morales, Diego; Mejía Triana, Tomás Hernán
    Through a systematic study of the commercial law under descriptive and prescriptive parameters, this paper aims to examine whether the insurer's objections to the direct claims should continue to be “serious” and “well-founded” in accordance with the Commerce Code and the Financial Consumer Statute of Colombia, based on the basis that those words were repealed of numeral 3 of article 1053 of the Commerce Code by Law 1564 of 2012. With which, in the development of the thesis, the reader will find a coherent exposition of the rules that systematize the duty of contractual information, the principle of good faith and the duty of vigilance of the Superintendencia Financiera, to conclude that it is not necessary revive the rule of article 80 of Law 45 of 1990 by which the objection formula was qualified, because the insurer's opposition must always be serious and well-founded, under penalty of paying compensation, primarily, or being fined, subsidiary.
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    Mérito ejecutivo de la póliza de seguros. ¿Una verdadera protección al consumidor financiero?
    (Universidad EAFIT, 2025) Guerra Hernández, Pablo José; Rodríguez Rodríguez, Diego; Mejía Rico, Esteban
    In today's commercial landscape, particularly in the financial sector, consumers constantly interact with various entities like banks and insurers. This widespread interaction can create power imbalances, leading to potentially abusive practices that leave financial consumers vulnerable. Therefore, a robust regulatory framework is crucial to safeguard their rights. This research focuses on numeral 3 of Article 1053 of the Colombian Commercial Code. This regulation was designed to empower policyholders or beneficiaries, allowing them to initiate executive proceedings if the insurer fails to object to their claim in a timely manner. Essentially, the policy acquires executive merit (or enforceability), transforming a dispute that would typically require a declarative judgment into a direct collection process. However, this seemingly protective measure sparks critical discussion. While the intent is positive, the legal consequences of this provision could, paradoxically, further disadvantage the consumer. If the tool fails to achieve its objective, the consumer's options for protection would be limited. To analyze this, the research will explore the rationale behind structuring executive action as a consumer protection mechanism. It will then define the executive merit of an insurance policy and its implications. Key components of the claim process against an insurer will be examined to understand what the regulation truly covers and what is needed for the factual scenario to lead to the expected legal outcome. Given that the regulation authorizes the claimant to pursue executive proceedings, this type of process and its underlying philosophy will be thoroughly analyzed from the financial consumer's perspective. Its requirements and elements will be reviewed to determine if there is a harmonious relationship between executive proceedings and this consumer protection tool. In summary, the regulation dictates that if an insurer fails to respond to a claim within one month, the policy gains executive merit. Finally, the research will explore the practical difficulties this situation presents for all involved parties (claimants, insurers, and judges), ultimately assessing whether this provision truly fulfills its purpose of protecting financial consumer rights.
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    Publicación
    Propuesta para la definición de una estrategia de mercadeo digital que fomente la bancarización y la inclusión financiera en Medellín y Bogotá
    (Universidad EAFIT, 2023) Pineda Arango, Adriana; Núñez Jiménez, Vanessa; Uribe de Correa, Beatriz Amparo; Londoño Vélez, Natalia