{"id":213523,"date":"2010-11-26T10:26:09","date_gmt":"2010-11-26T15:26:09","guid":{"rendered":"https:\/\/dev.totemweb.design\/macommunaute\/communiques\/u12487-la-cacq-porte-plainte-contre-8-institutions-emettrices-de-credit\/"},"modified":"2022-11-06T16:56:32","modified_gmt":"2022-11-06T21:56:32","slug":"u12487-la-cacq-porte-plainte-contre-8-institutions-emettrices-de-credit","status":"publish","type":"communiques","link":"https:\/\/dev.totemweb.design\/macommunaute\/communiques\/u12487-la-cacq-porte-plainte-contre-8-institutions-emettrices-de-credit\/","title":{"rendered":"La CACQ porte plainte contre 8 institutions \u00e9mettrices de cr\u00e9dit"},"content":{"rendered":"

MONTR\u00c9AL, le 26 nov. – La Coalition des associations de
\n consommateurs du Qu\u00e9bec (CACQ) a publi\u00e9 aujourd’hui une \u00e9tude sur la
\n sollicitation postale sur le cr\u00e9dit intitul\u00e9e\u00a0\u00ab Les offres de cr\u00e9dit
\n postales\u00a0: entre le r\u00eave et la r\u00e9alit\u00e9 \u00bb. Les r\u00e9sultats de cette \u00e9tude
\n indiquent que la quasi-totalit\u00e9 des offres de cr\u00e9dit \u00e9tudi\u00e9es ne
\n respectent pas, selon l’analyse de la CACQ, les dispositions de la Loi sur la protection du consommateur<\/I>.
\n<\/P>


\nDevant ces infractions r\u00e9p\u00e9t\u00e9es, la Coalition des associations de
\n consommateurs du Qu\u00e9bec a d\u00e9pos\u00e9 des plaintes aupr\u00e8s de l’Office de la
\n protection du consommateur contre 8 institutions \u00e9mettrices s’\u00e9tant
\n livr\u00e9es \u00e0 de la sollicitation postale sur le cr\u00e9dit\u00a0aupr\u00e8s de
\n consommateurs qu\u00e9b\u00e9cois entre les mois de juin et d\u00e9cembre 2009. Les
\n compagnies ayant, selon la CACQ, contrevenu \u00e0 la Loi sont\u00a0: American
\n Express, Banque Scotia, CIBC, Citifinanci\u00e8re, Desjardins, MBNA, RBC et
\n Sears.
\n<\/P>


\nMentionnons que cette \u00e9tude sur la sollicitation postale, appuy\u00e9e par
\n plusieurs experts en droit de la consommation, assimile la
\n sollicitation postale sur le cr\u00e9dit \u00e0 de la publicit\u00e9 sur le cr\u00e9dit. En
\n cons\u00e9quence, les dispositions de la Loi sur la protection du consommateur<\/I> relatives \u00e0 la publicit\u00e9 et \u00e0 la divulgation des modalit\u00e9s du cr\u00e9dit
\n s’appliquent \u00e0 cette pratique.
\n<\/P>


\n\u00c0 cet \u00e9gard, les manquements que la CACQ reproche aux commer\u00e7ants visent
\n principalement le fait d’inciter le consommateur \u00e0 se procurer un bien
\n ou un service au moyen du cr\u00e9dit (article 245 L.p.c.<\/I>), l’omission de divulguer certaines modalit\u00e9s du cr\u00e9dit lorsqu’elles
\n sont obligatoires (articles 247 L.p.c.<\/I> et 85 du R\u00e8glement d’application de la L.p.c.<\/I>) et l’absence de renvoi aux informations pertinentes dans un \u00e9crit de
\n plusieurs pages (article 83 du R\u00e8glement d’application de la L.p.c.<\/I>). \u00c0 noter que certaines normes dont la conformit\u00e9 est plus difficile \u00e0
\n contr\u00f4ler dans le cadre de l’\u00e9tude exclusive de documents
\n publicitaires, tel que le respect du calcul du taux de cr\u00e9dit,\u00a0n’ont
\n pas \u00e9t\u00e9 retenues bien que des indices laissent souvent croire \u00e0 la
\n pr\u00e9sence de manquements \u00e0 ces normes.
\n<\/P>


\nR\u00e9cipiendaire du prix 2009 de l’Office de la protection du consommateur
\n pour sa campagne de sensibilisation au cr\u00e9dit et \u00e0 l’endettement \u00ab\u00a0Dans
\n la marge jusqu’au cou\u00a0!\u00bb, la Coalition des associations de
\n consommateurs du Qu\u00e9bec (CACQ) regroupe vingt-deux associations de
\n consommateurs r\u00e9parties \u00e0 travers le Qu\u00e9bec, visant la promotion et la
\n d\u00e9fense des int\u00e9r\u00eats des consommateurs.\u00a0
\n<\/P>

Membres de la CACQ\u00a0<\/B>
\nACEF de la P\u00e9ninsule, ACEF de l’Outaouais, ACEF de Qu\u00e9bec, ACEF des
\n Basses-Laurentides, ACEF des Bois-Francs, ACEF du Haut-St-Laurent, ACEF
\n du Sud-Ouest de Montr\u00e9al, ACEF, Rimouski-Neigette et Mitis, ACEF
\n Rive-Sud de Montr\u00e9al, APIC C\u00f4te-Nord, CRIC de Port-Cartier, CIRCCO,
\n Fonds Communautaire Des Chenaux, GRAPE, SAAB de Charlevoix-Est, Service
\n budg\u00e9taire Lac-Saint-Jean-Est, SBC de Chicoutimi, SBC de Jonqui\u00e8re, SBP
\n de La Baie\/Bas Saguenay, SBP des Sources, SBP de Saint-F\u00e9licien,
\n Solutions Budget Plus.<\/P>

Renseignements:<\/B>Martine Robergeau, agente de d\u00e9veloppement et des communications, CACQ(514) 362-8623, cell. (514) 432-0137mrobergeau@cacq.ca\u00a0\u00a0 www.cacq.ca<\/A>Madame Cl\u00e9mence Gagnon, porte-parole, sera disponible pour des entrevues.
<\/P><\/div>\n","protected":false},"excerpt":{"rendered":"

La Coalition des associations de consommateurs du Qu\u00e9bec (CACQ) a publi\u00e9 aujourd’hui une \u00e9tude sur la sollicitation postale sur le cr\u00e9dit intitul\u00e9e \u00ab Les offres de cr\u00e9dit postales : entre le r\u00eave et la r\u00e9alit\u00e9 \u00bb.<\/p>\n

read more<\/a><\/p>","protected":false},"author":14260,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","thematiques":[],"regions":[80],"class_list":["post-213523","communiques","type-communiques","status-publish","hentry","regions-montreal"],"acf":[],"yoast_head":"\nLa CACQ porte plainte contre 8 institutions \u00e9mettrices de cr\u00e9dit - Ma Communaut\u00e9<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La CACQ porte plainte contre 8 institutions \u00e9mettrices de cr\u00e9dit - Ma Communaut\u00e9\" \/>\n<meta property=\"og:description\" content=\"La Coalition des associations de consommateurs du Qu\u00e9bec (CACQ) a publi\u00e9 aujourd'hui une \u00e9tude sur la sollicitation postale sur le cr\u00e9dit intitul\u00e9e \u00ab Les offres de cr\u00e9dit postales : entre le r\u00eave et la r\u00e9alit\u00e9 \u00bb.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dev.totemweb.design\/macommunaute\/communiques\/u12487-la-cacq-porte-plainte-contre-8-institutions-emettrices-de-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"Ma Communaut\u00e9\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-06T21:56:32+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/dev.totemweb.design\/macommunaute\/communiques\/u12487-la-cacq-porte-plainte-contre-8-institutions-emettrices-de-credit\/\",\"url\":\"https:\/\/dev.totemweb.design\/macommunaute\/communiques\/u12487-la-cacq-porte-plainte-contre-8-institutions-emettrices-de-credit\/\",\"name\":\"La CACQ porte plainte contre 8 institutions \u00e9mettrices de cr\u00e9dit - 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