CREDIT INTERMEDIARY NO. 6890
Opiniões e Debates, LdaRua Engenheiro Francisco Rogério Nazaré, Lote 29, 2º Dto, 2645-045 Alcabideche, carries out the activity of credit intermediation in the tied category, under the terms of article 3, no. 1 of Decree-Law 81-C/2017, registered with the Bank of Portugal, under registration no. 6890. º 1 of Decree-Law 81-C/2017, registered with the Bank of Portugal under registration number 6890, which can be checked on the Bank of Portugal’s website, using the contacts and instructions on the supervisory authority’s website. (https://www.bportugal.pt/intermediariocreditofar/opiniões-e-debates-lda).
Opiniões e Debates, Lda,does not grant credit and its activity is merely intermediation, in accordance with the law.
Detailed price list of services and charges:
With the exception of cases expressly provided for by law, credit intermediaries are prohibited from receiving or delivering any amounts related to the formation, execution and early fulfillment of credit agreements, according to article 46 of Decree Law 81-C/2017, which regulates the activity of Credit Intermediation.
Credit Intermediation Services and the identity of the lenders with whom they have signed binding contracts:
Opiniões e Debates, Lda carries out the activity of credit intermediary, under a binding contract signed with BANCO BPI, SA, BANCO BIC PORTUGUÊS, SA and CAIXA GERAL DE DEPÓSITOS, SA, on a non-exclusive basis, for the provision of the following services: presentation or proposal of consumer credit agreements, assistance to consumers, by carrying out preparatory acts or pre-contractual management work in relation to credit agreements that have not been presented or proposed by them, and the provision of consultancy services.
For any matter related to the credit intermediation activity, please contact Artur Varela, by email artur.varela@icapital.pt, or by mobile number 964312205 (call national network), every working day, from 09h00 to 17h00.
Hiscox, S.A. Sucursal em Portugal is responsible for the civil liability of the intermediary and credit activity. with contract number 2528885 for mortgage credit intermediation and with contract number 2528885 for consumer credit intermediation, both valid from 01/04/2022 until 31/03/2023.
Credit intermediation activity is subject to supervision by the Bank of Portugal.
Any complaints regarding the provision of credit intermediation services may be submitted by email to reclamacoes@opinioesedebates.pt. To this end, the credit intermediary may provide a specific form, by registered post to the address of the head office or via the website. https://www.livroreclamacoes.pt/, complaints can also be submitted directly to the Bank of Portugal, using the contact details and instructions on the supervisory authority’s website (https://www.bportugal.pt).
The client also has the possibility of resorting to alternative means of dispute resolution, with the Arbitration Center of the Autonomous University of Lisbon, based in Lisbon, or the Consumer Conflict Arbitration Center of Lisbon, based in Lisbon, where he can submit his complaints in order to prevent conflicts with this credit intermediary.