What changed, Directive 2008/48/EC Of the European Parliament and of the Council of 23 April 2008 on cre…

+ ### Article 11a — Information regarding the modification of the terms and conditions of a credit agreement
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+ Without prejudice to other obligations provided for in this Directive, Member States shall ensure that prior to modifying the terms and conditions of the credit agreement, the creditor communicates the following information to the consumer:
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+ (a) a clear description of the proposed changes and, where applicable, of the need for consumer consent or of the changes introduced by operation of law;
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+ (b) the timescale for the implementation of the changes referred to in point (a);
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+ (c) the means for complaint available to the consumer regarding the changes referred to in point (a);
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+ (d) the time period available for lodging any such complaint;
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+ (e) the name and address of the competent authority to which the consumer can submit that complaint.
+ 
+ ### Article 16a — Arrears and enforcement
+ 
+ **1.** Member States shall require creditors to have adequate policies and procedures so that they make efforts to exercise, where appropriate, reasonable forbearance before enforcement proceedings are initiated. Such forbearance measures shall take into account, among other elements, the consumer’s…
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+ **2.** The list of potential forbearance measures set out in point (b) of paragraph 1 is without prejudice to rules set out in national law and does not require Member States to provide for all of those measures in their national law.
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+ **3.** Member States may require that, where the creditor is permitted to define and impose charges on the consumer arising from the default, those charges are no greater than is necessary to compensate the creditor for costs it has incurred as a result of the default.
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+ **4.** Member States may allow creditors to impose additional charges on the consumer in the event of default. In that case, Member States shall place a cap on those charges.
+ 
+ **1.** Insofar as this Directive contains harmonised provisions, Member States may not maintain or introduce in their national law provisions diverging from those laid down in this Directive. However, Article 16a(3) and (4) shall not preclude Member States from maintaining or introducing more string…
− **1.** Insofar as this Directive contains harmonised provisions, Member States may not maintain or introduce in their national law provisions diverging from those laid down in this Directive.