Opinion of the European Economic and Social Committee on Consumer protection and appropriate treatment of over-indebtedness to prevent social exclusion. References: CESE 791/2014 – INT/726 – Exploratory Opinion General. Rapporteur: Ms Reine-Claude Mader
Presenter: Olivier Micol – DG Justice & Consumers – European Commission – Main results of the study on households’ over-indebtedness
Presenter: Andrea Falanga – Réseau Financité & EFIN – Major findings of overindebtedness report
Panel 1: The situation of over-indebtedness at early stage
Presenter: Alin Iacob – Association of Financial Services – Users Easy credits before crisis and their consequences on consumers
Presenter: Maxime Chipoy, UFC Que Choisir – Regulation of “easy-to-obtain” small consumer loans with a high-interest rate (France)
Presenter: Richard Piggin – Which? Group – Cleaning Credits
Panel 2: Build effective tools to detect and cure debt issues at early stage
Presenter: Richard Ahlström – Malmö University – Is debt relief rehabilitative?
Presenter: Caroline Siarkiewicz – Money Advice Service – Debt advice works: Measuring the effectiveness of crisis interventions
Presenter: Jan Siebols – Vroeg er op af, City of Amsterdam – Late payment early warning project in Amsterdam
Presenter: Maxime Pekkip – Crésus Federation – Détection précoce du surendettement (Fr)
To see panels 3 and 4 click “Read More”.
Panel 3 EU indicators
Presenter: Camille Dümm – Belgian National Bank – Central Individual Credit Register
Presenter: Justyna Pytkowska, Microfinance Centre – Measuring over-indebtedness EU indicators
Panel 4: From a “punishment model” to a “solution oriented” approach
Presenter: Richard Ahlström – Malmö University – The debtor – criminal or victim?
Presenter: Philippe Assedo, BNP-Paribas Personal Finance – Customers in difficulty : quicker identification means better support
Presenter: Geert Lankhorst – Ministry of Security and Justice, the Netherlands – An European strategy against over-indebtedness: from a punishment-model to a solution-oriented approach