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O cartão de crédito pode ser um aliado útil no dia a dia, desde que seja usado com consciência. Quando bem utilizado, ajuda a organizar despesas, oferece flexibilidade e até algumas vantagens.
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Ter casa própria é uma das maiores conquistas de uma família.
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Falar de dinheiro em família ainda é, muitas vezes, um tema evitado.
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Complementary information to the Credit Intermediation activity
Rua Dr. Joaquim Carlos da Cunha Cerqueira, nº29
4970-457 Arcos de Valdevez
Portugal
Rua Henrique de Oliveira Codeço, 16
4970-230 Arcos de Valdevez
Portugal
Civil Liability
Mortgage Credit
Hiscox S.A. - Sucursal em Portugal
Valid from until
Consumer Credit
Hiscox S.A. - Sucursal em Portugal
Valid from until
Lenders with a binding agreement
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BANKINTER, SA - SUCURSAL EM PORTUGAL
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BANCO BPI, SA
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Caixa Central de Crédito Agrícola Mútuo
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CAIXA GERAL DE DEPÓSITOS, SA
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Cofidis
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BANCO CTT, SA
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NOVO BANCO, SA
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BANCO SANTANDER TOTTA, SA
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UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL
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UNICRE - INSTITUIÇÃO FINANCEIRA DE CRÉDITO, SA
Conflict Resolution Centres
- https://www.cniacc.pt/pt/
- https://ciab.pt/
Value restriction
The Credit Intermediary is forbidden from receiving or delivering any sums related to the formation, execution and early performance of credit agreements, under the terms of article 46 of Decree-Law no. 81-C/2017 of 07 July on the Legal Framework of Credit Intermediaries.
Supervisory Entity
Credit Intermediation activity is subject to supervision by the Bank of Portugal (website: www.bportugal.pt )
Mortgage and consumer credit related services
- Presentation or proposal of consumer credit agreements
- Consumer support, by carrying out preparatory acts or other pre-contractual management work in relation to credit agreements which have not been presented or proposed by them
- Consultancy services
Make a complaint
In the event of a complaint, it must be submitted in the following ways:
- By filling in the complaints booklet, available at www.livroreclamacoes.pt
- Directly to the Bank of Portugal, by letter or via the website www.livroreclamacoes.pt
- Complaints can also be made in person at the company's address.