YES - registration of debts on RegistodeDívidas.pt is legal and in accordance with applicable law in Portugal. We preceded the launch of this online service with extensive legal consultations with several independent law firms. Therefore our Users can be sure that our services do not infringe the law and are in accordance with the General Data Protection Regulation (EU) 2016/679. We are aware that the legal basis of our operation is of the utmost importance to our Users. That is why we allocated a lot of time to be able to say with certainty: YES!
Legal basis of functioning of the RegistodeDívidas.pt are as follows:
Note: To avoid any doubts, all the legal articles cited are not translated and remain in the original spelling.
art.º 577 do Código Civil:
1. O credor pode ceder a terceiro uma parte ou a totalidade do crédito, independentemente do consentimento do devedor, contanto que a cessão não seja interdita por determinação da lei ou convenção das partes e o crédito não esteja, pela própria natureza da prestação, ligado à pessoa do credor.
art.º 6 alínea e) da Lei de Protecção de Dados Pessoais, Lei n.º 67/98, de 26 de Outubro:
O tratamento de dados pessoais só pode ser efectuado se o titular tiver dado de forma inequívoca o seu consentimento ou se o tratamento for necessário para:
(...)
e) Prossecução de interesses legítimos do responsável pelo tratamento ou de terceiro a quem os dados sejam comunicados, desde que não devam prevalecer os interesses ou os direitos, liberdades e garantias do titular dos dados.
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On Registo Nacional de Dívidas can be registered proved domestic or foreign debts related to business transactions, such as:
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Any user who has successfully completed the User registration process can register debts on Registo Nacional de Dívidas. Registering the debt is associated with a one-time fee, according to the current Price List.
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There are no specific dates. The entry is stored until it is deleted by the User who added it. Registering the debt is associated with a one-time fee, according to the Price List. User shall not bear any additional costs throughout the period of storing this information in the Register.
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Information on debt in RegistodeDívidas.pt can only be withdrawn by the User who registered it. During the debt registration, each user is informed that after solving a problem with this debt (sale or repayment of the debt) he must immediately remove this Entry from RegistodeDívidas.pt. If he doesn't do this for some reason, the debtor may send the objection. In the lack of reaction to the objection, the debtor may assert his rights through court proceedings against the user who has not withdrawn the debt information. In this case RegistodeDívidas.pt is not a part of lawsuit.
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Any user who has successfully completed the RND User can receive the Detailed Report or Summary Report?
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All payments related to the operation of RegistodeDívidas.pt are made through a Prepaid account. Each time an operation requiring payment is carried out, the system checks the status of the Prepaid account. If the User has there sufficient funds to pay for the operation, the appropriate amount is taken from the Prepaid account. If there is no sufficient funds, you will be redirected to the payment gateway with information about the missing amount that must be paid to your Prepaid account. User can choose from three payment methods: card payment, PayPal payment or Multibanco / MBWay payment. A Prepaid account may (but does not have to) be credited with any amount at any time via the Prepaid top-up function available in the User Account.
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Providing false information about debts is against the law. Everyone has the right to take legal action against such publications. RegistodeDívidas.pt is not able to check the correctness of debt details. We only require that the User who registers the debt confirms that the debt data is true. If, nevertheless, he deliberately provides false data, he exposes himself to appropriate legal actions, which he is informed in the debt registration process. RegistodeDívidas.pt does not represent registrants in any way. Nevertheless, in the interests of reliability of our activities, we provide the Users with appropriate function to send directly to the registrant the Objection to the registered debt. According to the Regulations, the debt registrant has 3 days from the date of receipt of the Objection to respond to the arguments raised against the debt. Further proceedings are conducted directly between the parties to the dispute, without the participation of RegistodeDívidas.pt. To send an Objection, you must register as User on RegistodeDívidas.pt.
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