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Complaint against Cablevision and unfair Fibertel for AMBULANCES

Proconsumer Association complained to the Secretary of Defense's Office of Consumer Fibertel by Cablevision and unfair to include the following:

"Termination: If you need to cancel any of our services must have their daily quota" .

This clause violates subsection h) of the Annex to Resolution No. 53/03 of the SDC and DC, which provides considered unfair to that "h) make the exercise of the right of contract termination by the consumer, prior to the cancellation of amounts owed to the supplier, in term contracts indeterminado o por plazo cierto que prevea la resolución anticipada ”.

“Si bien se cobran por adelantado los servicios de televisión por cable y de Internet prestados por las denunciadas, existen numerosos casos en que los usuarios acumulan algunos meses de deuda, sin permitírseles poder dar de baja dicho servicio hasta no abonar la totalidad de lo adeudado”, afirma Ricardo Nasio, Presidente de Proconsumer. Y agrega que: “Ambas prestadoras tienen otros medios legales para reclamar el pago de dichas deudas, sin necesidad de apartarse de los preceptos legales vigentes.”

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Transport: 8 out of 10 companies violate security

The Ombudsman's Office, Eduardo Mondino, released the results of an investigation into conditions in the passenger automobile transport long, short and mediadistancia.

"It has been determined - the ombudsman said - that 80% of companies authorized to perform this activity incurs repeated violacionesde the rules established to ensure the safety of its users.

Así, por ejemplo, el máximo de 8 horas, con posibilidad de ser extendido por otras 4 de carácter extraordinario, para que los conductores desarrollen sus tareas es habitualmente incumplido a través de lapsos mucho mayores a los permitidos ".

Otra de las infracciones mas frecuentes es la falta de presentación de los certificados de empadronamiento de las empresas en el registro respectivo y la inscripción de los conductores para ser dados de alta como tales ante la AFIP. Indicó Mondino que " incorporar un mayor número de unidades no fue acompañado con un incremento proporcional de choferes para conducirlas. Esto deriva en la ampliación de los horarios de trabajo .

In the city of Buenos Aires, in so far this year, irregularities were detected in 42%. Of the buses inspected internally on that basis amounted to 53.9% of inspections reported violations.

companies offered no evidence in his defense confirming the allegations put to them. The repeated violations over time leads to the conclusion that the penalties provided for are not currently provided to alleged economic benefit for the companies to transgress .

The Ombudsman noted that the agencies should increase the frequency and depth of the controls and the magnitude of the sanctions to be imposed.

Between 1 January and 22 March last, it was confirmed that many drivers and auxiliary personnel work longer than the legal time and do not have the hours of rest required. We also checked defaults in completing the work book of drivers and assistants on board, and the lack of grant of CHF in the months and lack of mandatory life insurance.

"Clearly, then, that excessive working hours is used in passenger motor transport long, short and mediadistancia as an effective tool to increase business revenue at the expense of established standards to ensure the safety of users, "concludes Mondino.

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TEAM: Forward

The consumer association claims that there adduction of the route deviations from line 20 Transportation Company Larrazabal is deleterious to the neighborhood of Villa Independence Party Lomas de Zamora. Residents have to walk 1 km to access the transport. It does not Iparraguirre moves down the street (his official tour as CNRT) or parallel but the ago by Virgil, forcing users must walk over 10 blocks access to the group.
Adduco formalize the acciones administrativas del caso.

Se encuentran afectados por esta situación más de 500 usuarios.

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tours FOOD: Label nutrition and healthy eating tips

Los alimentos envasados deben cumplir con diferentes normas legales, como por ejemplo, el rótulo nutricional con información acerca de las propiedades de los alimentos.

La Licenciada en Nutrición, María Celina Luque, asesora de la Subsecretaría de Defensa del Consumidor de la Nación, nos explica los diferentes términos y nos aconseja sobre alimentación saludable.

¿Qué son las grasas totales, las saturadas y las trans?

The term "total fat" refers to the total amount of fat that provides a food or food product or a portion thereof, in whole or in grams per serving, and sometimes as a percentage of daily value. That represents how many grams of total fat contributed by the food or product cover the recommended daily allowance of fat. The

saturated fat are those that by their chemical composition are solid at room temperature, in general it is all animal fats (from dairy products, meats, etc) are atherogenic fat (capacity deposited on artery walls) and excess in consumption produces alterations and pathologies cardiovascuales.

Are

unsaturated fats (polyunsaturated and monounsaturated) are vegetable oils that are liquid at room temperature and are known as "good fats" for good performance in protecting the walls of the circulatory system.

Then there are the trans fats are those unsaturated that industrial process "hydrogenized" and become more atherogenic than saturated fats raise cholesterol and circulatory attacking. Are useful for industry because they are very stable product with better conservation and texture

Is it advisable for children to consume these fats?. Which foods are in greater quantities?

If it is necessary that children and everyone eat all kinds of fats, but in just measure, cholesterol is a very important nutrient and even more so in children, colostrum or 1, breast milk is high in cholesterol because the child needs. The problem is excess.

Which of these fats should avoid people with high cholesterol?

People with high cholesterol should avoid saturated fats and trans fats and consume unsaturated vegetable oils that provide essential fatty acids and fat soluble vitamins that the body does not produce

Better that children consume regular soda or light?

is better for children to consume water and juices, depends if an obese or predisposed to it than eat light, but be careful that their consumption does not exceed the acceptable daily intake of artificial sweeteners.

Does saccharin, cyclamate, etc. long term is it harmful to health?

All

depends on not to exceed the acceptable daily intake. If you respect this, not harmful. Everyone has different sweetening power, for that reason, some should be used in greater quantities than others. In the signs of food with these sweeteners contained "food and drink diet or special regimes" and should note if saccharin, cyclamate, aspartame, etc.

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Consumer Rights in the Banking Recruitment

Interview with Isabel Novosad, President of the Association PADEC (Prevention, and Consumer Advice)

What are the most frequent complaints they receive in the association?

Fundamentally, are banking issues. Specific issues and abusive charges for debts that users can not pay. We are trying to do is to avoid being charged interest and fees abusive and that expenditures conform to the parameters of the law.


The credit card bill leaves it to the very banks interest on top of what can be done against this?

is exactly true. Art. 16 of the law of credit cards (25 065) enables the issuers of credit cards to apply up to 25% more than the fees set for personal loans. A literal interpretation would mean that institutions bank may charge up to 25% more than they wish to collect on personal loans. This interpretation also to be shocking with the guarantee of property rights implies a privilege of the financial sector at the expense of consumption and production.
For the art. 4 of the Consumer Protection Act, banks should report in a truthful, comprehensive, effective and sufficient criteria by which sets interest rates. With no explanation, the banks keep the money from users that overload with more debt than they should bear.

What is the interest rate you should charge?

In times of inflation, the judges considered the acceptable rate was 5% to 6% annual rate of inflation plus .
There is a whole of year 91 of the Charter Business, which warns of the danger that in times of stability the users end up paying higher interest rates in inflationary times.

Aristotle said that money makes money . But the gain should be a function of the job. For this reason, rates should not exceed the growth parameters económico.En 97 years, was applied between 70 and 80% interest on credit cards.

is currently between 18 and 35% annually in the first line card. The second line have a stake of between 80 and 90%. That is usury.

"Why is it so important to check that banks do not charge $ 1 or more customers?

The consumer law is relevant for macroeconomic effects it causes.
The trouble is that if such contracts are generated massive irregularities are facing a violation of the right of ownership. For example: 300 thousand or more people who have demanded payment compulsively 3 or 4 pesos for charges are illegal.
The question becomes relevant because these people have stopped drinking, for example, $ 2 multiplied by 300 000 people is $ 600,000.
For $ 8 pesos is $ 2,400,000 in a single month.
Multiplied by 12 months for $ 2 is $ 7,200,000. And at $ 8 are $ 28,000,000 per year.
Therefore, this influences the generated jobs and a reduction in consumption and a shift of ownership to the detriment of consumers and for banks to charge more.

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How is composed the gas bill

This is the composition of the gas bill of a user of Gran Buenos Aires (Gas Natural Ban):

- real expenditure Gas housing.

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- Fixed Fee: This covers the administrative costs incurred by the Distributor for the issuance of the invoice. Is the same for everyone. Therefore, the increase is higher for less spending.

TAXES:

- Gross Income Tax (transportation): Moved to the rate differences occurred in the costs of the provision of gas transportation service originating in the portion of variation Gross Income Tax in the Provinces of Tierra del Fuego, Salta and Neuquen.

- Gross Income Tax (distribution): In 1994, increased the rate of Gross Receipts Tax levied on the distribution of natural gas ... Enargas authorized the incorporation into the gas bill for customers of the Province of Buenos Aires, the largest burden tax, from February 1998.

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- Provincial Tax Act 9266: Created the Special Fund for Gas Works aimed at building networks in the area of \u200b\u200bthe Province of Buenos Aires.
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- VAT: Rate Residential: 21% (final consumer)

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- municipal rate: Its implementation depends on the municipality to which belongs the point of supply. It should be noted that there are municipalities that do not charge this fee.
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- 25565 Trust Fund Act: This corresponds to a Patagonian subsidy surcharge Residential Gas Consumption.

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Questions:

- With so many taxes and subsidies Why have not implemented the Social Rate?

- Why do not relieve the users downloading the VAT is one of the most expensive in the world?

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Unilever: Service Consumer

In packaged foods, such as cleaning products and personal care products, we always find a phone number or email customer service. If ever called and responded to your request, you know how important it is a good after-sales care.

---

Jack Smart, Manager of Public Affairs and Communications, Unilever told us about the Consumer Service of one of the companies most valued the relationship with their customers. ---

What is the goal of a Consumer Service?

---

is a special unit within the area of \u200b\u200bQuality Assurance was created specifically for this purpose.

Consumers can access through the lines 0800, e-mails and letters, the addresses contained in packs of trademarks or communicating in promotional activities. Unilever is essential to understand the interests of consumers and their rights. As well as market research, the service consumers is another key tool in this regard. This is a hotline, which receives and attend concerns and suggestions from our users, who constitute an important source of understanding. Help on one side to allow customers to make good use of our products and on the other, helps us to understand their motivations, desires and concerns . ----

What are the most common reasons for calls?

----

As far as food is concerned, the most frequently asked questions are requests for recipes, especially for Knorr, Omo Hellmann'so. It also requests information about products and nutritional information, etc.

For household cleaning products such as Cif, revolve around proper use on certain areas of the home.

In personal care brands, consult on best ways to use on varieties, care for the type of hair or skin.

The service also provides support for the actions promoted by marketing and promotions, sending free samples establishment of the Hotline.

most frequent queries to our line of spots. We received approximately 5000 per month that allow us to help our customers in the recovery of garments through brands such as Skip and Ala.

On average, adding all brands, we are receiving about 450 inquiries per day.

----

How do you respond to the requirements different?

---

believe that transparency and accurate information is essential to live a fuller life by taking the right decisions. We therefore consider the Customer Service as a key tool in our relationship with consumers. try any queries remain unanswered. At the time a consumer chooses one of our brands and take the trouble to bring a concern, deserves to be treated in the best way and when they cut the phone, know that has a return to brand. The Argentine consumer does not have the habit of reading the instructions when using a product. only doing it in cases where you have questions about their use. Itself is aware of expiration dates, especially in food brands. About 15% of queries are resolved only to recite the information contained on the label.

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INCREASES GAS COSTS AND RIGHTS

The government has authorized the increase of the gas company Gas Natural BAN, which distributes between 1,300,000 gas customers in 30 matches in the north and west of Buenos Aires. This increase applies to all customers, commercial and residential. (The only exception are the dealers of CNG).

The increase for residential consumers will be 14%. In addition, there will be a retroactive adjustment by the consumption made since 1 November 2005 onwards. So, from January 2008 must be paid, in addition, 55 monthly payments retroactive to the differences between the old and the new tariff from November 2005 until March this year.

Meanwhile, the Government has not yet determined when it will implement the delayed social tariff for low income users.

Unable to do something about this increase, remember some user rights to the service of gas distribution networks:

- Right to receive optimal service and appropriate
- Right to receive information relating to the tariff
- In case of billing errors, will be entitled to appear before the distributor and have your complaint resolved on the first bill is issued after the 15 days of receipt of your claim.
- written law to settle claims in a book of complaints numbered and signed by the Enargas in all its offices to the public.

-

always claim must be made first to the company who should give you, necessarily, a claim number and tell you the estimated time of resolution. Then you can go to Enargas.

Useful information:

Gas Natural Ban: http://www.gasnaturalban.com/ Fonogas Emergency 0810 333 46226 0810 888 1137 and from 4757 to 1137
Metrogas: www.metrogas.com. ar 4309 1000
Gasnor: http://www.gasnor.com/
Enargas 0800 555 8800 (Ente Regulator Gas): http://www.enargas.gov.ar/ 0800 333 4444

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Park on the street costs $ 5

Throughout the morning of Thursday 5 April, two men charged $ 5 to park on Avenida Sarmiento, opposite the Zoo of Buenos Aires
After police arrived and just across the street, without anyone stopping them.

The car looks are commonplace at concerts and sporting events.
how long the Government of the City and the Police will allow this type of crime?

Offences Code of the City of Buenos Aires:

Article 79 - Car Care without legal authorization. Who demands payment for parking or vehicle care in public without lawful authority, is sanctioned / a one (1) two (2) days of community work or a fine of two hundred ($ 200) to four ($ 400) pesos.Cuando prior arrangement exists, the penalty is doubled for the organizer.

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CREDIT CARDS: About the interest and the Summary of expenditure

law credit cards (25 065) was enacted in 1999.

The law has some articles that are worth highlighting.

Article 16 refers to the interest :

"The limit of compensation or financial interest that the issuer applies to the holder may not exceed twenty five percent (25%) to the rate the issuer applies to transactions in currency personal loans to customers. "

This means that the only limit that the law requires banks to the interests depends 100% of the Bank.


As to summary, the Act provides in Article 25 that:

"The abstract must be received by the holder with a minimum of five (5) days prior to expiration of its obligation to pay regardless of what was agreed in the contract of credit card.
In the event of non receipt of the summary, the holder will have a communication channel telephone provided by the issuer in the twenty-four (24) hours a day so you can get the account balance and minimum payment that you can make. "


Therefore, if you do not send the abstract, it's you who will you have to take to get the info and there is no sanction for the Bank.

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BANKS: COSTS OF MANTENMIENTO OF SAVINGS

If you thought that your savings are going to increase in the saving accounts of a bank, pay attention to the following:

Banks charge between $ 3.20 and $ 14 for the "maintenance "and pay between $ 0.05 and $ 0.60 interest.

So, if you saved $ 100 you your bank charged $ 12 per month. After a year, not only have increased your capital in your "savings" but you'll be in debt to the Bank.

Supposedly, the interest they pay are so low because they have included operating costs.

What are the most cost banks charge for the maintenance of Savings?

.

According to Undersecretary of Consumer Protection, (dated February 2007), BBVA Banco Frances charges $ 14, $ 12 River Bank, and Citibank and BankBoston $ 10.

.

detailed info for each Bank: http://www.mecon.gov.ar/secdef/basehome/precios_utiles.htm

Is this legal? According to the association

PADEC (Prevention, and Consumer Advice) Banks are in breach of various rights such as the lack of reciprocal treatment, the unilateral imposition of fees and unfair terms in the contract


More information
PADEC
According , you need to have more than $ 20,000 in a year to not lose, because the interest payment is less than the cost of maintenance.

For info and reports:

PADEC : Monday, Wednesday and Thursday from 11 to 17 hours
C. Pellegrini 739 to 1 ° of. 4 - Capital Federal Tel: 4326-5564