A desistência ou inadimplemento no consórcio
Autor: Marco Ferreira Filho | Publicado: 2013-06-18T09:19:00-07:00

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Para aqueles consumidores que
firmaram contrato de consórcio com qualquer administradora, vão algumas dicas
no tocante a desistência de sua participação em grupo de consórcio, bem como o
que fazer quando ocorrer sua inadimplência.

O contrato de participação em
grupo de consórcio pode ser resolvido por desistência ou inadimplemento do
consumidor.

O Código de Defesa do Consumidor,
bem como a Lei 11.795/2008, regulam esta relação e estabelecem que o consorciado
excluído não contemplado terá direito à restituição da importância paga,
acrescido dos rendimentos da aplicação financeira a que estão sujeitos os
recursos dos consorciados enquanto não utilizados pelo participante.

O excluído do grupo participará
dos sorteios periódicos do grupo de consórcio, para este, caso seja sorteado,
será restituído as quantias pagas, não necessitando aguardar o final do
consórcio para receber o que pagou.

Vale salientar que é nula a
cláusula que estabelece a perda total das prestações na hipótese de
inadimplemento!

Uma distinção fundamental deve
ser feita, se a desistência ou inadimplemento do consumidor deu-se antes ou depois
de ter sido contemplado, passando a ter posse do bem ao qual o consórcio está
vinculado.

Tendo sido contemplado, as normas
que serão aplicadas no caso serão da alienação fiduciária ou da reserva de
domínio, dependendo do caso. 

OAB Recomenda: Procure sempre por
um advogado!

Marco Antonio da Silva Ferreira
Filho