Bioultimate Face Ligt

The AVT and ornithology

Here is a picture seen in the Periódico.com (author: Samuel Aranda) a sympathetic member of the AVT and fan of its president, Francisco José Alcaraz, supporting the latter to National Court, where he had brought the suit filed by the Association Bar Democrats for Europe (ADAD). Notice how this man has shown love for the birds of the field and how it leads to showing it at its gala castizo españñññola cap tortilla eating a Sunday with family, traditional and godliness, of course, at any picnic area of \u200b\u200bour country.

is clear, right?.

Color That Compliment Light Chocolate

CONSUMER CREDIT AND INSURANCE

"To obtain a consumer credit need not take insurance or employ other services. "
SBIF definitely settled by compulsory insurance struggle related to consumer loans.
Through Circular 3331, dated August 22, the Superintendency of Banks and Financial Institutions, www . sbif.cl , identified a number of requirements and standards that institutions under its supervision must comply from 1 January 2006.
The text regulates "information to be provided on consumer loans that include supply insurance.
says that "banks to offer their consumer loans to customers which is associated with the purchase of insurance should comply with the following provisions:
1 .- Information to be provided.
1.1 .- Information on credit terms.
The banks must submit to those interested in obtaining a consumer credit, a written estimate which must include at least the following information:
a) amount and term of credit;
b) currency of the quotation;
c) rate annual interest;
d) frequency of assessments;
e) the amount of each installment;
f) details of the costs paid by the customer, such as notary fees and stamp duty and,
g) the amount of insurance premium, where applicable.
should be further included in the rate to be delivered to the applicant, the following legend: "To obtain a consumer credit insurance is not necessary to take hire or other services."
1.2 .- Settlement of credit.
settlements in the credits taken should be reported separately, in a clear and precise, each of the amounts collected by the different concepts that are deducted from the amount of the transaction. 1.3 .- Proposed
insurance.
The offer insurance related to consumer credit must be made by a written proposal to be delivered to stakeholders. That proposal must comply with all instructions issued by the Superintendency of Securities and Insurance in this area and formulated in a separate and independent from credit application. 1.4 .- Information
value of the premiums and insurance conditions.
banking institutions that offer credit insurance associated with a consumer should keep current on its website information on the value of the premium, shape or form of payment and the principal terms of such insurance. This information should be on the website of the institution, a location easily accessible to the public and be associated with the product.
1.5 .- Information on the insurance contract.
in the payment coupons, statements or other related instruments with service credit, whether they are printed on paper or electronic report must be inserted a caption indicating the name of the insurance company issuing the respective policy. 2 .-
reception and channeling of documents relating to the denouncement of a disaster.
banks receive either the denouncement of a loss or documents to proceed with their investigation, must leave a written record of the date of receipt of the complaint or the documents that have been delivered, as applicable. Such records shall be kept in the background folder of the operation concerned and a copy thereof shall be returned to the debtor or secured.
3 .- Information on the status of the Collection of insurance.
When the bank through which the insurance was contracted to receive a complaint in order to enforce the insurance contract, must provide to policyholders or beneficiaries of insurance and care information, according to the instructions of the Superintendency of Securities and Insurance, the insured must provide insurance companies or their agents.
4 .- Application disencumbrance insurance.
In the case of prepayment of any amount under disencumbrance insurance that protects him, there is no prepayment charge the commission referred to in Article 10 of Law No. 18,010. 5 .- Return
de prima por prepago o renegociación de créditos en seguros a prima única.
En caso de extinción o disminución de deudas por prepago o renegociación, a las cuales se encuentren asociados seguros a prima única, se deberá proceder a su devolución de acuerdo a las instrucciones impartidas por la Superintendencia de Valores y Seguros.
6.- Vigencia de estas instrucciones.
Las instrucciones de la presente circular rigen para las contrataciones de seguros que se hagan a partir del 1 de enero de 2006, sin perjuicio de que las disposiciones de los números 1.5; 2; 3 y 4 se apliquen, cuando así sea pertinente, respecto de los seguros contratados con anterioridad a esta fecha."

12 Volt Sanp Thermostat

Trials Groups in Chile

Trials Groups in Chile

The July 14, 2004, were published in the Official Journal, the amendments to the Consumer Act. One of its greatest advances was the creation of the actions of collective or diffuse interests of consumers and users. Through the collective wisdom consumers can get massive solutions through a single management.

collective procedure in Chile has been a positive and important step to enhance the protection of consumer rights, reducing litigation costs, through the accumulation of several cases under the same action and the same procedure.

So For example, if a company fails to respond directly to your customers, the law provides that the Consumer Associations (ADCs), a group of 50 or more affected or the National Consumer Service (SERNAC) where there is a single large lawsuit to defend the collective interest or diffuse and so the company respond to court.

That is, if a consumer or user realizes that a situation that violates their rights as consumers and, if satisfied that affects others, has three paths, if mediation or court settlement had no effect. Seek

SERNAC to assume its defense to a ADC or bring 50 or more persons who have been individually affected and present the case directly in court.

If collective action is the result benefits all who have the problem, whether or not involved in the application, ie, has no effect "Erga Omnes" Processed

due process or trial, the supplier or service provider , who committed an offense can be punished, forced to cancel the unfair terms incorporated in contracts of adhesion, and users get the benefit of the obligation breached, stop the act that is affecting the exercise of their rights or obtain compensation for damages if applicable.

These initiatives are important because consumers means to obtain direct and efficient solutions in cases where generally the cost of individual claims exceeds the benefit of the claim. In addition, positive impact on respect for the rights of consumers, discouraging the massive infringement.

Stages of Trial Class.

A mass trial can be initiated by an ADC (for a minimum period of 6 months and with the express permission of the assembly members), a group of 50 or more affected or the SERNAC.

After the case is filed to the Courts of Justice, the processing corresponds to the Civil Courts, the court shall notify the respondent and the SERNAC.
then corresponds that the judge declare the admissibility of the action, verifying, in general, to observe the legal requirements and economic and procedurally justified demand.
Once declared the application admissible, the court shall order that, through two publications in national newspapers, are informed consumers, so that those affected can:

-Become part to bring in the trial.
-Do reserves its rights (within 30 days after the second publication) who did not want to apply to them the effects of demand.
-Waiting for the results of the trial, so that may be applicable for the purposes of sentencing, without it being necessary no management.

In a second stage, the court will examine whether there was actually initiated the infringement claim, and the award may:
• determine the responsibilities of the provider
• impose fines or penalties for the provider
• rule and order the payment of compensation, reparations and the amount
• order the return of overpaid (if that was the cause of action)
• order the return of sums for defective products (if that was the cause of action)
• the publication of the sentence for his knowledge public.

stage for damages, if there was a breach, there was harm to consumers and users, provided that the respondent has the form of identifying those affected, the court may require the supplier to directly deliver compensation, repair or returns, without the need for stakeholders to appear before the court.

If it is not possible for the supplier or service provider to identifying the affected, will be published two notices in the newspapers that the court determines, public notice will be given for people who are interested in appearing in court may do so within within 90 calendar days from the last notice, either sponsored by an attorney or in person. For those who appear in person, be appointed joint attorney. Those wishing to reserve their rights, shall also, within 90 calendar days from the last warning.

Then, the court shall inform the company concerned the amount appearing to be opposed to the number indicated.

After that will set the amount of compensation and the defendant shall within 30 calendar days to make a deposit in the current account of the court.

Remarkably, as already said, the ruling handed down at trial will reach all people who have been affected in their rights, even if they are not party to the lawsuit. Now

well, this is the ideal described by the legislature, so that the procedure works and enforce the law, however in practice and in the exercise of the profession, we can see, unfortunately through the cracks legal, business, expand and transform the trial proceedings, which should be fast and effective in a trial of broad knowledge, high cost ultimately to the ADCs and even more impossible to take in that case that the legitimate asset is a group of 50 or more consumers, who met as to present the application and ultimately can not bear the economic costs and proceedings of the causes at issue.

is lacking in our system a real training of judges, as they often get to know the law insofar as they deserve to know a cause of diffuse or collective interest, it also has to do with their academic training is profoundly civilian, so it does not properly apply the special procedures of the Consumer Protection Act.

Finally, we can say that despite the problems that arise, the procedure is clearly improved, and correspond to all actors in Chilean society (legislators, government, civil society, business) work, for this to work, on the other hand, the fact that to date only been reported in Costa Rica about 30 cases of collective or diffuse interests of consumers, made by land the biggest fear of companies in the sense , that regulate this type of action would be transformed into a kind of supermarket demands or industry demands, which would prevent the market from working.

* Pedro Carreño Farias is a lawyer at the Catholic University of Chile and a specialist in consumerist legislation.

Phlegm With A Little Blood With A Cold

November 20

In the courtyard, today, we have assembled a party. P or if no one remembers, today is November 20th, a great day to remember. November 20 marks the date that the General Assembly United Nations adopted the Declaration on the Rights of the Child in 1959 and the Convention on the Rights of the Child in 1989. Therefore, on November 20 has become the Universal Children's Day and Girls. Today is international day for children.
There is still much to do for all children in the world. They and they are our future and we depend on your current and legacy we leave.
do not forget anyone!

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Thanks

This patio talking about everything, but today has made us more involved in politics . But on this visit to patio I want to say something more "human." Congratulations to Maria Amelia Lopez. The vast majority do not know, but it is the winner of the best blog in English from this year's International Award Blogs Deutsche Welle - The BOBs. The most striking is that the blog is created by a 95 year old grandmother, a socialist, of course. That many call "granny blogger" should be for us a reference. Who said challenge? How many of our parents never even tried to set the video? For here we have a nice grandmother who not only stands in front of a computer, but is also able to give life a blog and win an international award for it. To all who write or we believe in blogs should fill with pride that "our bloggerabuela" be the winner.

We, the elderly, we have that spirit.

Congratulations "bloggeryaya"!. Congratulations mate!

Juan and Oscar Romero

http:// amis95.blogspot.com /

Salmon Patties Substitute Egg

Something different mood

If anyone has shown that politics in Spain is not screaming more than the opposite, better acknowledge the contrary, to strike harder at the table, that someone is Manuel Marín. Has shown that the authority is not at odds with his left hand, that order is not incompatible with flexibility. Congress glorious evenings were those in which Josep Lluis Carod-Rovira was replicated so well. It was the only one who dared to expel Martínez-Pujalte the Chamber for his repeated disrespect. While talking to Manuel Marin is not only the presidency of the Congress during this term, is talking about the transition, is talking about the principles of English democracy, is talk about our European opening. It is one of the parents (if not the father) of Erasmus grants through which thousands of English have (that envy can not say "we") have to study outside of our borders and even work then. Manuel Marin is an important part of our contemporary history, but given his humility and calm are not yet fully aware of the authentic weight of this "crack" policy.
From next term, Marin devote his time to fight climate change at the university level and to defend the need to build a model of sustainable economic development and renewable. I particularly hope that their new venture will meet as much as me has to know that there is still a political dialogue.

Thanks and good luck.

Oscar Romero to visit the yard

Sympathy Thanks Messages

When Rajoy asked the prime minister ironically it was the mood, he never imagined that after time the answer would be found. A response given only for Zapatero himself, if not also for His Majesty King Don Juan Carlos I.

The news came this weekend. XVII Iberoamerican Summit in Venezuela's President Hugo Chavez called "true fascist" by former English prime minister in the 1996-2004 period, José María Aznar, and accused him, along with the employer employers, to support the coup that Chavez suffered in 2002.
As expected, the government of Spain sent the government of Venezuela through their representative Affairs, Miguel Angel Moratinos, the discomfort created by such statements. Later, and in plenary, the President of the English government Venezuelan reminded that "in a table where there are democratic governments, it is essential principles respect."
So far everything seems "normal", ie that Chavez is going "chestnut" and not moderate his words nor the place to express them is quite probable. Reminded the government that Mr. Aznar was the elected president for two terms and therefore, as representative of the Venezuelan state has to respect the former president Aznar, I think that also is unacceptable. But now, I never imagined what would happen from this moment. At the time that Chavez tried to interrupt Zapatero defending their right to reply, Don Juan Carlos I pointing the finger Chavez snapped a clear and resounding "Why do not you shut up?" just before leaving the room in protest. Moments later he returned for the closing at the request of the host of the summit, Chilean President Michelle Bachelet, who went for the king to an adjacent room personally.

all know that the relationship Don Juan Carlos I with Aznar was not quite "fluid", several outbursts of this latter is made clear. That the current English government has only a reproach to him the previous prime minister is not a novelty. What is clear is that the institutional form of the prime minister must be absolute and can not allow a character like Chavez or sully the violation. In an unprecedented move the King to come out in defense of the institutional figure to demonstrate its democratic spirit.

I did not vote for Aznar, I disagree with the policy conducted during his time in office. I do not like being treated like the latest news about final judgments that demonstrate their attempts to conceal information from the English. But it is clear who was the president who chose English. Nor do I like the figure of the monarchy, because I believe that all English people are equal and that we all have access to the head of state through democratic elections and not by right of succession.
But I never doubted is that the majority of English are "juancarlistas" and the facts prove it.

Mr Rajoy, this is humor. I was hoping you would do the same in this situation. But instead has chosen to be more Aznar Aznar and criticize the prime minister and praise King for the defense, even if the prime minister who defended Aznar and the King who complained about Chavez's attempts to interrupt. Even your own Aznar Zapatero thanked for their presentation. But you can not think of anything else to criticize. It is what it is criticized for criticizing, in the end is without restraint or reflection and criticism goes a joke.

As a last thought made me laugh that Chavez say that the King's reaction was the result of 500 years of English imperialism and repression against them. And I say: Sure, as Chavez is indigenous name of a lifetime ...

'll see what happens now ...


Oscar Romero, who was visiting the yard.

Homemade School Spirit Noise Makers

This is "thorough review"

The Venezuelan president will make a "thorough review" of relations with Spain. Normal, you can not ask a messianic leader to shut up without expecting consequences. Now not only is a fascist Aznar to tell us not to us who is Jose Mari, Mr Chavez, it was us who we suffer, but Zapatero has also become a president of a stock that is not consistent with what says and our monarch, an heir of those who made the genocide of the "evangelization" American. I'm sure you know English diplomacy play this new game in the new ballpark that is designing Chavez. What is not so clear I have is that our government has the support of the main opposition party to defend the position of the English State to the Venezuelan government. In fact, the PP and is using the incident to continue his irresponsible way to power and, as always, will not give leeway to the executive. On the other side does not want to end this little thought without remembering those young Venezuelan students are playing hide demanding democracy, freedom and justice in their country. Because while wearing red, Hugo Chavez is also a fascist.

Is There A Disney Carsseries

consumer rights are:

a) Free choice of a good or service.
b) A timely and accurate information on goods and services offered, price, contract conditions and other relevant characteristics.
c) to non-discrimination by the providers.
d) safety in the consumption of goods and services, protection of consumer health and the environment.
e) repair and timely and adequate compensation for damage caused to the consumer.
f) Education for responsible consumption.


The duties of consumers:

a) responsibly informing the features, price, terms of goods and services.
b) Avoid risky that could affect consumption.
c) Initiate when their rights are infringed.
d) consumer transactions Celebrate stores only legal and not pirated.

Consumer Law

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