Case law

  • Case Details
    • National ID: 1561/2009
    • Member State: Romania
    • Common Name:link
    • Decision type: Court decision, first degree
    • Decision date: 27/02/2009
    • Court: Courthouse of Targu Mures (Targu Mures)
    • Subject:
    • Plaintiff:
    • Defendant: Regional Inspectorate for Consumer Protection Mures
    • Keywords: attributes of the trader, financial services, misleading omissions, trader's commitments
  • Directive Articles
    Unfair Commercial Practices Directive, Chapter 2, Section 1, Article 7, 4., (b)
  • Headnote
    It is misleading for an agent not to disclose to the consumer the nature of the services provided, hence not informing the consumer on the intermediary nature of the services.
  • Facts
    The plaintiff acted as an agent for, hence promotes the services of, ING Bank.

    It was established that, when the plaintiff communicated business hours at its office, it primarily referred to the office hours of ING Bank rather than to its own business hours.

    Further, the ING logo was depicted outside of the office of the plaintiff, and inside the office, the agent promoted its services by providing ING flyers containing information on the services offered by ING.

    Next, plaintiff's employees wore ING badges and some of them introduced themselves as being ING employees.

    It was established that it was unclear for a consumer to release that he was in fact dealing with an agent only, rather than with an ING Bank branch.
  • Legal issue
    The court came to this conclusion based on the fact that the overall impression that was created by the plaintiff, could lead the average consumer to think he was dealing with ING Bank whereas in reality, the plaintiff was only an agent providing intermediary services.

    Particular emphasis was placed on the omission by the plaintiff to mention that it only acted is an intermediary.
  • Decision

    Is it misleading for an agent not to disclose to the consumer the nature of the services provided, hence not informing the consumer on the intermediary nature of the services?

    URL: http://portal.just.ro/JurisprudentaVizualizare.aspx?id_speta=18418&idInstitutie=320

    Full text: Full text

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  • Result
    The plaintiffs request to annul the sanction applied was denied.