A vulnerabilidade dos consumidores (sujeitos passivos) de produtos e serviços bancários, diante das cláusulas abusivas nos contratos de adesão.

Abstract

The consumer's protection is a challenge of our time, representing, in the current days, one of the discussed themes. In Brazil, the consumer's rights are a recent and not very known conquest. Even with wide legislation on the subject, the society doesn't still know a practice in which the consumers' rights are respected. Few are the ones that they know its rights and the organs indeed to the which can appeal to guarantee those rights. With the entrance in vigor of the Code of Defense of the Consumer, Law no. 8.078/90, an appropriate legislation, that it looked for, in the justness, in the transparency and in the harmony, to introduce a definitive escopo of justice, but until today we didn't see anybody to be processed by the crimes in him foreseen. The own official banks, that they are administered by the governments, they practice the politics of the massacre, instead of executing its role of promoting of the national development. The society should be alert. It should collect respect initiatives to the values defended by the Code. As that doesn't happen, it is necessary that the citizens, the Brazilian consumers, leave for the effective exercise of its rights. He/she means to say that should transform in right that that the law grants us. Therefore the present work exhibition the quao hipossuficientes becomes the consumers of products and bank services, in the relationships with the banks, integral of one of the strongest sections of our economy. Also, to evidence the need of the use of the adhesion contracts, as massificacao form and activation of the consumption relationships, its propensity to shelter abusive clauses. One of the main onerosidade elements to the consumer.