LINKED CREDIT AGREEMENTS WITH A PARTICIPATION OF CONSUMERS IN GERMAN, FRENCH AND EUROPEAN UNION LAW

Abstract

The Article covers the problems of effect of mixed consumer agreements. Agreements of purchase and sale, concluded together with crediting agreements, are examples of mixed agreements with the participation of consumers. The consumer, acting as a party of a mixed agreement, must not continue to remain tied by crediting agreement clauses in case of cancellation of a purchase and sale agreement, for example, in case of return of goods by the consumer. Such rule is fixed by the new EU Directive on consumer crediting, and also by civil legislation of some European states.