{"id":1775,"date":"2023-07-18T11:46:45","date_gmt":"2023-07-18T09:46:45","guid":{"rendered":"https:\/\/recover.irc-consulting.be\/?p=1775"},"modified":"2025-03-21T10:06:40","modified_gmt":"2025-03-21T09:06:40","slug":"nova-legislacao-belga-sobre-divida-do-consumidor-prepare-para-uma-grande-mudanca","status":"publish","type":"post","link":"https:\/\/www.recover.eu\/pt\/conselho-2\/nova-legislacao-belga-sobre-divida-do-consumidor-prepare-para-uma-grande-mudanca\/","title":{"rendered":"Nova legisla\u00e7\u00e3o belga sobre d\u00edvidas do consumidor: prepare-se para uma grande mudan\u00e7a!"},"content":{"rendered":"<p>Acaba de ser criado um novo quadro jur\u00eddico com impacto nas rela\u00e7\u00f5es entre prestadores de servi\u00e7os e consumidores privados. Destinada \u00e0s empresas que operam no setor B2C, esta lei imp\u00f5e certas obriga\u00e7\u00f5es essenciais e conduz a altera\u00e7\u00f5es significativas que exigir\u00e3o vigil\u00e2ncia e adapta\u00e7\u00e3o.<\/p>\n\n\n\n<p>A legisla\u00e7\u00e3o, que entrar\u00e1 em vigor em 1\u00ba de setembro de 2023, imp\u00f5e grandes altera\u00e7\u00f5es nas condi\u00e7\u00f5es gerais de pagamento. Mais especificamente, esta nova lei determina agora os custos e juros m\u00e1ximos que podem ser reclamados em caso de atraso no pagamento. Estes valores devem agora ser claramente mencionados nos seus termos e condi\u00e7\u00f5es de pagamento. Portanto, \u00e9 crucial atualizar seus termos e condi\u00e7\u00f5es agora para garantir a conformidade.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><u>Qual o impacto desta nova lei nas suas contas?<\/u><\/strong><\/h2>\n\n\n\n<p>Recorde-se que a lei s\u00f3 se aplica ao setor B2C (entre empresas e particulares). Portanto, nenhuma altera\u00e7\u00e3o ser\u00e1 aplicada se voc\u00ea trabalhar em B2B (entre empresas).<\/p>\n\n\n\n<p>Tal como referido acima, a partir de 1 de setembro, a nova legisla\u00e7\u00e3o obriga-o a adaptar as novas condi\u00e7\u00f5es gerais de pagamento nas suas faturas. Mas suas faturas e lembretes de pagamento existentes tamb\u00e9m ser\u00e3o afetados. O primeiro lembrete torna-se obrigat\u00f3rio e gratuito, enquanto para as faturas existentes, os seus antigos termos e condi\u00e7\u00f5es gerais permanecem aplic\u00e1veis at\u00e9 dezembro de 2023.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><u>Que etapas voc\u00ea precisar\u00e1 seguir para se adaptar a essa mudan\u00e7a?<\/u><\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1) Um primeiro lembrete gratuito e obrigat\u00f3rio<\/strong><\/h3>\n\n\n\n<p>A empresa agora \u00e9 obrigada a enviar gratuitamente um lembrete de primeiro pagamento e a conceder um per\u00edodo de 14 dias antes de reclamar multas e juros de mora.<\/p>\n\n\n\n<p>Este primeiro lembrete deve conter as seguintes informa\u00e7\u00f5es:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O valor restante em d\u00edvida e as condi\u00e7\u00f5es gerais de pagamento aplic\u00e1veis em caso de n\u00e3o pagamento;<\/li>\n\n\n\n<li>Os dados de contacto do fornecedor;<\/li>\n\n\n\n<li>A descri\u00e7\u00e3o do servi\u00e7o pelo qual \u00e9 devida a d\u00edvida;<\/li>\n\n\n\n<li>O per\u00edodo a partir do qual os custos ser\u00e3o reclamados (per\u00edodo que n\u00e3o pode ser inferior a 14 dias + 3 dias \u00fateis se o lembrete for enviado por correio).<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2) Danos<\/strong><\/h3>\n\n\n\n<p>A lei limita as cl\u00e1usulas de indeniza\u00e7\u00e3o para evitar que sejam excessivas em rela\u00e7\u00e3o ao dano sofrido. De acordo com a lei, a remunera\u00e7\u00e3o fixa e os juros de mora ser\u00e3o limitados da seguinte forma:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>para d\u00edvidas &lt; 150\u20ac a compensa\u00e7\u00e3o fixa m\u00e1xima \u00e9 de 20\u20ac<\/li>\n\n\n\n<li>Para d\u00edvidas entre 150,01\u20ac e 500\u20ac, a compensa\u00e7\u00e3o em montante fixo pode atingir 30\u20ac + 10% do valor devido nesta tranche<\/li>\n\n\n\n<li>Para d\u00edvidas &gt;500,01\u20ac, a compensa\u00e7\u00e3o m\u00e1xima da quantia fixa \u00e9 de 65\u20ac + 5% do valor devido na parcela superior a 500,01\u20ac, sem exceder 2.000\u20ac<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Em conclus\u00e3o, esta nova legisla\u00e7\u00e3o incentiva as empresas que operam no setor B2C a melhorar a sua transpar\u00eancia e gest\u00e3o da d\u00edvida.<\/p>\n\n\n\n<p>A partir de 01\/09\/2023 as empresas ter\u00e3o que cumprir as novas diretrizes. Para faturas anteriores, a legisla\u00e7\u00e3o antiga mant\u00e9m-se aplic\u00e1vel at\u00e9 dezembro de 2023. \u00c9 por isso importante enviar estas faturas para cobran\u00e7a o mais rapidamente poss\u00edvel.<\/p>\n\n\n\n<p class=\"translation-block\">Se d\u00favidas ou preocupa\u00e7\u00f5es permanecerem sem resposta, o departamento de atendimento ao cliente <a href=\"\/\/www.recover.eu\" target=\"_self\">da INTERNATIONAL RECOVER COMPANY<\/a> est\u00e1 \u00e0 sua disposi\u00e7\u00e3o para lhe prestar a assist\u00eancia necess\u00e1ria.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Recentemente entraram em vigor novos regulamentos legais que ter\u00e3o um impacto direto na rela\u00e7\u00e3o entre prestadores de servi\u00e7os e consumidores particulares. Desenhada especificamente para as empresas que operam na \u00e1rea B2C, esta lei introduz um conjunto de obriga\u00e7\u00f5es essenciais e conduz a altera\u00e7\u00f5es significativas que exigir\u00e3o aten\u00e7\u00e3o e adapta\u00e7\u00e3o.<\/p>","protected":false},"author":1,"featured_media":1777,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-1775","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-clients"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nouvelle l\u00e9gislation belge sur les dettes des consommateurs\u00a0: Pr\u00e9parez-vous \u00e0 un changement de taille\u00a0! - INTERNATIONAL RECOVER COMPANY<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez les changements majeurs dans la l\u00e9gislation belge sur les dettes des consommateurs. 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