22. Momentul încheierii contractului la distanţă privind serviciile financiare. Lipsa semnăturii olografe a împrumutatului. Titlu executoriu
22. Time of conclusion of the distance contract on financial services. Lack of the borrower's handwritten signature. Enforceable title

Summary/Abstract: The contractual stage related to the moment of concluding the contract is regulated by Article 8 of GO no. 85/2004, a legal provision which, in the context of the scope of the ordinance, establishes a form of special consumer protection, by ensuring a contractual balance determined by knowing the time when both parties concluded the contract, prior to its performance. Pursuant to this legal provision, the time of conclusion of the distance contract on financial services is upon receipt of the confirmation message from the consumer, regarding its order, the handwritten or electronic signature not being required to determine when the contract is valid and takes effect.

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