RESUMO DE DIREITO DO CONSUMIDOR22012SUMRIO1. O CDIGO DE DEFESA DO CONSUMIDOR CDC VISO GERAL...............41.1. PROTEO AO CONSUMIDOR E DILOGO DAS FONTES.................................................61.2. OBSERVAES DE PROVAS...................................................................................102. ELEMENTOS RELACIONAIS DA RELAO DE CONSUMO........................102.1. O CONSUMIDOR (ART. 2)...................................................................................102.1.1. Consumidor Equiparado (arts. 2, 17 e 29).............................................132.1.2. Consumidor Intermedirio......................................................................132.1.3. No Api!a"o do C#C............................................................................1$2.2. O FORNECEDOR (ART. )...................................................................................162.. PRODUTOS E SERVIOS (ART. ! " " 1 E 2)........................................................1#2.$. OBSERVAES DE PROVAS...................................................................................1#3. PRINCPIOS APLICVEIS AO DIREITO DO CONSUMIDOR (ART. 4!..........224. DIREITOS "SICOS DO CONSUMIDOR.................................................2#$.1. E%PRESSA CONSAGRAO DA RESPONSABILIDADE SOLIDRIA NO &MBITO CONSUMERISTA $$.2. OBSERVAES DE PROVAS...................................................................................$#. DAPROTEO$SA%DEESEGURANADOCONSUMIDOR(ARTS. &A10!.....................................................................................................3#'. DO FATO DO PRODUTO E DO SERVIO................................................3'6.1. RESPONSABILIDADE PELO FATO DO PRODUTO..........................................................'6.2. RESPONSABILIDADE DO COMERCIANTE PELO FATO DO PRODUTO (ART. 1)....................(6.. RESPONSABILIDADE PELO FATO DO SERVIO............................................................$06.$. OBSERVAES DE PROVAS...................................................................................$(. DO VCIO DO PRODUTO E DO SERVIO................................................44'.1. V)CIO DO PRODUTO (ARTS. 1# A 20)....................................................................$$7.1.1 %&!ios de 'uaidade do (roduto...............................................................))7.1.2. %&!ios de 'uantidade do (roduto (art. 19)..............................................)$'.2. RESPONSABILIDADE POR V)CIOS DE *UALIDADE DO SERVIO (ART. 20)........................$6'.. DISPOSIES COMUNS AOS DEFEITOS E V)CIOS DOS PRODUTOS E SERVIOS.................$67.3.1. (ra*o de +arantia ,e-a. E/iste no C#C0................................................)7'.$. +URISPRUD,NCIA SELECIONADA.............................................................................-0'.-. OBSERVAES DE PROVAS...................................................................................-1&. SERVIOS P%"LICOS E CONSUMIDOR (ART. 22!...................................#2). PRESCRIO E DECAD*NCIA (ARTS. 2' E 2(!.......................................##(.1. OBSERVAES DE PROVAS...................................................................................-#10. DESCONSIDERAO DA PERSONALIDADE +URDICA (ART. 2&!.............#&11. DA OFERTA E DA PU"LICIDADE (ARTS. 30 A 3'!.................................'011.1. GREEN.AS/ING............................................................................................... 6111.2. OBSERVAES DE PROVAS.................................................................................6-12. PRTICAS A"USIVAS (ART. 3)!..........................................................''G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=

12.1. PRTICAS ABUSIVAS PREVISTAS NO CDC..............................................................6'12.2. OBSERVAES DE PROVAS.................................................................................'113. CO"RANA DE DVIDAS (ART. 42!.....................................................(#1.1. OBSERVAES DE PROVAS.................................................................................'614. "ANCO DE DADOS E CADASTRO DOS CONSUMIDORES (ARTS. 43 A 4#!............................................................................................................ ((1$.1. PRABO M%IMO DE NEGATIVAO DO NOME DO CONSUMIDOR..................................'(1$.2. OBSERVAES DE PROVAS.................................................................................#01#. CLUSULAS A"USIVAS (ART. #1!.......................................................&31-.1. NOT)CIAS DO SITE DO ST+.................................................................................(01-.2. OBSERVAES DE PROVAS.................................................................................(11'. CONTRATOS DE ADESO (ART. #4!....................................................)21(. DEFESA DO CONSUMIDOR EM +U,O.................................................)31'.1. PRINC)PIOS DO PROCESSO COLETIVO...................................................................($1'.2. DISPOSIES GERAIS........................................................................................ ($17.2.1. 1 2istema Na!iona de #e3esa do Consumidor 4 2N#C.........................971'.. AS INTERVENES DE TERCEIROS NAS TUTELAS INDIVIDUAIS CONSUMEIRISTAS...........1001'.$. OBSERVAES DE PROVAS...............................................................................10$G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=$1. O C-./01 .2 D23245 .1 C16478/.19 CDC V/4:1G295;O CDC C 1=8 ;5: 20:DA:2:3;E9:A8. 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R22 232=R5.1H 854 28=164>56>2 /6>295@:1\. (TARTUCE! F;SI:3] NEVES!D8D:5; A=30:=A661=2KL3. M8D18; 454:05:7343A3D61=:430. SL3P81;3>MC7343! 2012! 2. 110)G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=1(!ria"o, !onstru"o, trans3orma"o, importa"o, distri6ui"o ou!omer!iai*a"o de produtos ou presta"o de ser5i"os\.S3=5D75 C F30D5A5430 8M15;5 M15 8718 D3 =50A843 45 A3D61=3 5N50A5D43BA"ITUALMENTE3 A3=C0A:3. A R8G:718;:4845 45A3005 48 ;3A1KL3[4565DI3;I8 87:I:4845\. D5668 F30=8! 56780:8= 5NA;1P486 48 7175;8A3D61=50:678 36 A3D708736 X0=8436 5D705 43:6 A3D61=:43056 DL32 G72 6:1 5>72 28 475 5>/A/.5.2LT8H 75;/.5.2_82;:A80 5DM18D73 5675 RS45 650 3 4567:D87S0:3 XD8;! 78; 5N:9TDA:8 DL3 65 I50:XA8 M18D73 83F30D5A5430! M15 2345 650 3 F8G0:A8D75 30:9:DS0:3! :D750=54:S0:3 31 3A3=50A:8D75! G8678D43 M15 F8K8 48 87:I:4845 618 203X66L3.N:1 /A/.5.2 G72 59 6:1 24>59 2 28427 5>1=164>/>7>/A1] ;393!475 5>/A/.5.2 DD95>1.23956G7/5H 792?5H 6:124>N47C2/>151[8E/>1.2/6=/.F6=/5.5L2/ 6. &.0(&^1))0H 2/4G7213956G725.16:1I=16478/.19.21417429A/@14.53956G725.195H8545G72;2 G72 14 =1829=/5;/?5 C76>1 5 >29=2/914! 56756 6:=! 364567:D87S0:36XD8:6.(...)\(ST+! *18078T10=8! RE6262(-#! R5;. M:D. A;4:0P86680:DR3 +ZD:30! D+5 45 2(J0J2010)1-CIVIL E PROCESSUAL CIVIL. CONTRATO DE PRESTAO DE SERVIOSADVOCAT)CIOS. FORODEELEIO. POSSIBILIDADE. PRECEDENTES. E%CEODECOMPET,NCIA. EFEITO SUSPENSIVO. DECISO DEFINITIVAO TRIBUNAL DE ORIGEM.PRECEDENTES. RECURSO ESPECIAL NO CON/ECIDO.1 < A4 92;5@S24 =16>95>75/426>92 =;/26>24 2 5.A105.14 4:1 920/.54 5>7>1 .5 OA"H 51.54 35>7954 .2>5;R5.54 .2A2 1=19929 428 M674 56.1 G72 24>2 1 92G72/95 785 J6/=5 A2?1'.3. P9/6=D. 4!VS0:366L3 3620:DAP2:36!65D43 456D5A566S0:8 8 5D1=508KL3436=56=368M1:. P30C=! 45I58) ID750205787:I8> A3671=8 650 8 F1DKL3 =8:6 17:;:Q848 25;8O10:62014TDA:8! 650I:D43 45 30:5D78KL3 2808 3 O1:Q! 45I5D43 567565=20520:I:;59:80! 4:8D7545A3DI5DKV565A3D708736! 87530:848A3DX8DK8! 6591D43 8 M18; 86 280756 895= A3= ;58;4845 D8 G16A8 4384:=2;5=5D73 A3D708718;.G) ID759087:I8> 5;8 45I5 650 17:;:Q848 2808 A3=2;5780 86 ;8A1D86A3D708718:6. T8=GC=48M1: M1545A3005=36.2A2924562K141716ADMINISTRATIVO. RECURSO ESPECIAL. CONTRATO DE TELEFONIA. PULSOSE%CEDENTES. DETAL/AMENTO DAS CONTAS COM A E%ATA DESCRIO DASLIGAES LOCAIS EFETUADAS PARA CELULAR E DAS RELATIVAS AOS PULSOS *UEE%CEDEM A FRAN*UIA MENSAL. ENTENDIMENTO FIRMADO PELA PRIMEIRA SEO.RECURSOPROVIDO. SENTENARESTABELECIDA.1. AP0:=5:08S5KL343S1250:30T0:G1D8; 45+167:K8! 5=6566L3058;:Q8485=2'J-J0(! =54:8D75817:;:Q8KL348=57343;39:8 45C7;05826>1 .2 92=79414 92/>/A14(205I:678 D3 807. -$1 .54 35>7954 ./4=9/8/65.54 .2A2429 32/>1H 428 M674 2H 5 /9 .2 78 J6/=1 92G729/826>1.1 =16478/.19.o...p (ST+! RE62 11('$'-JR+! R5;. M:D:6703 ARNALDO ESTEVES LIMA! PRIMEIRA TURMA!O1;9843 5= 1(J0#J2010! D+5 1J0#J2010)G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=2'.2A2924 ;5>295/4! M15 6L3 3G0:98KV56 :D505D756 836 A3D708736! 65D434562:A:5D488205I:6L35N205668. IDA;16:I5! 8I:3;8KL343645I50568D5N36!A3=3! 230 5N5=2;3!3 45I50 45 :DF30=8KL3! C AR8=848 45A/1;5@:1 /A5 .1 =16>95>1! 65D43 2866PI5; 45 650 :D45D:Q848.A) D5 A3D703;5> I:68 8 :=254:0 3 8G163 43 4:05:73 61GO57:I3.U=43645I50568D5N3684I:D43648G38FC3GO57:I8C345I508D5N345A332508KL3! 6591D43 3 M18; F30D5A5430 5 A3D61=:430 45I5= 89:0 45 F30=88 2032:A:80 83 31703 3 875D4:=5D73 45 6186 ;59P7:=86 5N25A787:I86.A43170:D8=3450D8F0:68345I50 8D5N345=:7:980 8620E20:86250486!A3DR5A:43 A3=3 DUTb TO MITIGATE TBE LOSS. E;5 45I5 650 3G650I843!20:DA:28;=5D75! 25;3A3D61=:430. C3=35N5=2;3! 750P8=363A863451=A3D61=:430 M15 A3D70878 1= F30D5A5430 2808 :=250=58G:;:Q80 3 75;R843 45618A868! =86456A3G05! 5=231A375=23! M15567545:N31455F571803650I:K3 5= 1=8 25M15D8 28075. S8G5D43 M15 5665 IPA:3 A81680S 48D36 836517573F8A586:DX;708KV56! 5;5XA8:D507558918048M15348D365O8908D45 3 61XA:5D75 8 23D73 45 750 3 F30D5A5430 M15 0528080 7343 3 7573! 83:DIC6 458I:6S4:1./92/>148D6/814. I < 8 20375KL3 48 I:48! 68Z45 5 659108DK8 A3D708 36 0:6A36 203I3A8436230 20S7:A86 D3 F30D5A:=5D73 45 20341736 5 650I:K36 A3D6:4508436250:93636 31 D3A:I36]II < 8 541A8KL3 5 4:I1;98KL3 63G05 3 A3D61=3 845M1843 436 20341736 5650I:K36! 86659108486 8 ;:G504845 45 56A3;R8 5 8 :918;4845 D86A3D70878KV56]III < 8:DF30=8KL3845M18485A;80863G0536 4:F505D756 20341736 5650I:K36! A3=5625A:XA8KL3 A300578 45 M18D7:4845! A808A750P67:A86!A3=236:KL3! M18;:4845 5 205K3! G5= A3=3 63G05 36 0:6A36 M15820565D75=] S3G05 8 :DF30=8KL3 83 A3D61=:430>O CE4:93 45 45F568 43 C3D61=:430! D8 618 5N59565 2E6 236:7:I:678! M18D73W:DF30=8KL343A3D61=:430 45I5650 :D7502057843D365D7:4345M153=:A0366:675=8 43 CE4:93 45 D5F568 43 C3D61=:430! 3 4:05:73 W :DF30=8KL3567S 9808D7:43 25;3 807. 6.! D. III! 5 78=GC= 25;3 807. 1! M15 205IT5= M15 3A3D61=:430 75= 4:05:73 8 05A5G50 :DF30=8KV56 A;8086 5 845M18486 8 05625:73436203417365650I:K3685;53F505A:436! 866:=4:623D43> [A07. 6. SL34:05:736 GS6:A36 43 A3D61=:430> III b 8 :DF30=8KL3 845M1848 5 A;808 63G05 364:F505D756203417365650I:K36! A3=5625A:XA8KL3A30057845M18D7:4845!A808A750P67:A86! A3=236:KL3! M18;:4845 5 205K3! G5= A3=3 63G05 36 0:6A36M15 820565D75=] A07. 1. A 3F5078 5 820565D78KL3 45 20341736 31 650I:K3645I5=866591080:DF30=8KV56A3005786! A;8086! 205A:686! 3675D6:I8655=;PD918 2307191568 63G05 6186 A808A750P67:A86! M18;:48456! M18D7:4845!A3=236:KL3! 205K3! 9808D7:8! 208Q3645I8;:4845530:95=! 5D70531703648436! G5= A3=3 63G05 36 0:6A36 M15 820565D78= W 68Z45 5 659108DK8 436A3D61=:43056.Y 4:05:73 43 A3D61=:430 5 45I50 43 F30D5A5430 203I50 86 :DF30=8KV56 5 3 453G750 8M15;86 M15 567L3 825D86 5= 618 23665! M15 DL3 6L3 45A3DR5A:=5D7343A3D61=:430! 65D4356786:=2056A:D4PI5:62808A3;3ASA7;86! 200#! 2. #.O =16426>/826>1 24=;592=/.1 65 1E>26@:1 .1 1 17 65=16>95>5@:1 .1 429A/@1 =164/4>2H 28 4785H 65 =/F6=/5 .1=16478/.19 .2 >1.54 54 /631985@S24 92;2A56>24H 45E26.12K5>5826>2 1 G72 S808:I8!2000! 2. 2(-.A5N236:KL345=37:I3643CE4:9345D5F56843C3D61=:430! 63G5665_D91;3 56A;805A5 8 08QL3 45 650 43 4:05:73 W :DF30=8KL3 D3 65D7:43 45 M15>lO 8A5663 436 A3D61=:43056 8 1=8 :DF30=8KL3 845M1848 M15 ;R56 250=:78F8Q50 56A3;R86 G5= 6591086 A3DF30=5 36 4565O36 5 D5A566:48456 45 A8481=. EN236:KL3 45 M37:I36 43 CE4:93 45 D5F568 43 C3D61=:430. D:S0:3 43C3D905663 N8A:3D8;! S5KL3 II!45 =8:3 45 1(#(! 2. 166.A :DF30=8KL3 83 A3D61=:430! 75= A3=3 56A323> l:) A3DA:5DA:8;:Q8KL3 A0P7:A8436 4565O36 45 A3D61=3 5 48 20:30:Q8KL3 486 205F50TDA:86 M15 ;R56 4:98=05625:73] ::) 2366:G:;:78KL3 45 M15 65O8=8I50:918436! 45 8A3043 A3=A0:7C0:36 7CAD:A36 5 5A3DH=:A36 8A566PI5:6 83 ;5:93! 86 M18;:48456 5 3 205K345 A848 2034173 31 45 A848 650I:K3] :::) A0:8KL3 5 =1;7:2;:A8KL3 45323071D:48456 2808 A3=28080 36 4:I506:XA8436 20341736] :I) A3DR5A:=5D73486 236:KV56 O10P4:A86 61GO57:I86 20E20:86 5 8;R5:86 M15 65 =8D:F5678= D8A3D75N718;:4845 486 6C0:56 :DXD4SI5:6 45 6:718KV56 45 A3D61=3] I)89:;:Q8KL3 5 5F57:I8KL3 48 20565DK8 567878; 205I5D7:I8! =54:84308! 3145A:6E0:8! 45 A3Dd:736 43 =50A843 45 A3D61=3. A;A:456 T3=86577: +1D:30. O3GO57:I345708D6280TDA:8 53 059:=5O10P4:A3 436 45I5056 50:6A36 45:DF30=8KL3 486 45A;808KV56 D593A:8:6 2808 A3D61=3! :D R5I:678 45 D:05:7343C3D61=:430! D. $! SL3P81;3> R5I:678436T0:G1D8:6! DZ=5035625A:8;!1((2! 22. -2J(0.D5I5086! C F30K363 A3DA;1:0 M15 3 4:0573 W :DF30=8KL3 75= A3=3 456P9D:3203=3I50 A3=2;573 56A;805A:=5D73 M18D73 W 56A3;R8 2;5D8=5D75A3D6A:5D75 43 A3D61=:430! 45 =8D5:08 8 5M1:;:G080 8 05;8KL3 45I1;D508G:;:484543A3D61=:430! A3;3A8D43CONSUMIDOR. PLANO DE SA%DE. REDECONVENIADA. ALTERAO. INFORMAO.T26.1 28 A/4>5 5 /8[6=/5 G72 5 92.2=16A26/5.5 544782 /67/.5.2 .1=16>95>1H 5 11.28I./=142R145/4. I663230M15 3 4:05:73 W :DF30=8KL3 I:68 866591080 83A3D61=:430 1=856A3;R8A3D6A:5D75! 250=:7:D43M156186 5N25A787:I865=05;8KL383203417331650I:K365O8= 45 F873 87:D9:486! =8D:F5678D43 3 M15 I5= 65D4345D3=:D843 45=16426>/826>1 /631985.131A16>5.2 G75;/T=5.5. D:8D75 4:663! 3 A3=8D43 43 807.G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=26! III! 43CDC63=5D75650S5F57:I8=5D75A1=20:43M18D438:DF30=8KL3F30 2056784883A3D61=:430 45F30=8 845M1848! 866:= 5D75D4:48 A3=3 8M15;8 M15 65820565D78 6:=1;78D58=5D75A3=2;578, 90871:785Z7:;!I54848! D3 Z;7:=3 A863! 8 4:;1:KL3 48 A3=1D:A8KL35F57:I8=5D75 05;5I8D75 25;3 163 45 :DF30=8KV56 63;786!0541D48D756 31 4567:71P486 45 M18;M150 650I5D7:8 28083A3D61=:430. P05A545D756A:78436> RE62$1#.-'226./826>1 C79/45C19>2H 5 /64=9/@:1 /6.2A/.5 .1 6182 .1 =16478/.19 28-90:1 .2 924>9/@:1 51 =9I./>1 =595=>29/?5H "23YF8A1;784383O1:Q! 4:8D7548A3=2;5N:484543A863!5678G5;5A50 8 :DA1=GTDA:8 43 HD16 48 203I8 45 8A3043 A3=3 A863 A3DA0573lA O10:62014TDA:8! A3=3 4:73 8D750:30=5D75! OS I5= 65=8D:F5678D43 25;8 82;:A8G:;:4845 48 D3I8 T530:8! 65D43:=23078D75! (...)T+LSPH A095A1 .2 I64>97826>1 6Y &04.013 #^0H V1>1 6Y1(.42&L393! 205I8;5A5 8 05908 45 4:670:G1:KL3 43 CPC! 807. ] 5D70578D73! 2345 3O1:Q 203=3I50 8 :DI506L3 (ope 8udi!is)! 8 M18; DL3 650S 8173=S7:A8! 45I5D43650 F1D48=5D7848 5 45=3D6708436 36 205661236736 45 F873 5J31 45 4:05:735D65O843056. ED65O8= 8 :DI506L3 43 HD16 48 203I8 8 20565DK8 436 6591:D75605M1:6:736! ALTERNATIVAMENTE>8) V50366:=:;R8DK8 486 8;598KV56 43 A3D61=:430]G) /:23661XA:TDA:8 43 A3D61=:430.S3G05 3 75=8>RECURSO ESPECIAL. GRAVIDEB ALEGADAMENTEDECORRENTE DE CONSUMO DE P)LULASANTICONCEPCIONAIS SEMPRINC)PIO ATIVO (lP)LULAS DEFARIN/Al). INVERSO DO cNUS DA PROVA. ENCARGOIMPOSS)VEL. ADEMAIS! MOMENTO PROCESSUALINADE*UADO. AUS,NCIA DE NE%O CAUSAL ENTRE AGRAVIDEB E O AGIR CULPOSO DA RECORRENTE.o...pG0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=#2.A/6A294:1.1M674.55 .2 1E56=N9/1H A/6=7;56.1 .256>2 2 .2N9/1 6541E9/05@S24 ;205/4 .2=19926>24H .2=1992 .2 ;2/ 51E9/05@:1 .5 /64>/>7/@:1 T656=2/95 .2 2K/E/9 5.1=7826>5@:192G729/.5H CNG7242>95>5.292;5@:1C79D./=5 >7>2;5.5 2095@:1 =16>95>75;=1824H >5/4 =181 5 95>/A5.5/64>/>7/@:1T656=2/95282K/E/9 1.1=7826>1 2 1 1 .2 >59/354 5.8/6/4>95>/A54/4>5H 2835=2 .1 7.1H .2A2 429 92445;A5.1 G72 5 /6A294:1.1 M674 .5 /.5 6:1 2K/82 157>19^=19926>/4>5.2.28164>959 55@:1 .5=16>5 5H 5/6.5H2426.1 28 =16>5 G72H614 >29814 .1 59>. 333H IH .1 CPCH /6=78E2 51 57>191=164>/>7>/A1.2427./92/>1. P05A545D756A:78436> RE62 0.2611 .1 P91.7>1 2 .1 S29A/@1A 05623D68G:;:4845 25;3 F873 A5D708;:Q8 6186 875DKV56 D8 9808D7:8 48:DA3;1=:4845 FP6:A3[Aresponsa6iidade!ontratua dotransportador, peoa!idente !om o passa-eiro, no 7 eidida por !upa de ter!eiro !ontra o quatem a"o re-ressi5a\.G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=$'P30C=! 78; 65 4S 5670:78=5D75 5=05;8KL3 W 87:I:4845 4565DI3;I:48(708D623075). S5 3 2866895:03 45 1=HD:G16 F30 031G843 D3 A1063 43708D623075! DL3 RS 05623D68G:;:4845! 68;I3 65 8 ;:DR8 508 8;I3 45 A3D678D756878M156! M18D43 3 F30D5A5430 45I50S 843780 86 =54:486 D5A566S0:86 230 6503 48D3 56250843.P30 X=! :=23078D7505668;780 M153STF45A:4:1M15362056784305645650I:K36 2ZG;:A36 45 708D623075 05623D45=3GO57:I8=5D75 25;36 48D36A8168436!TANTOEMRELAOAOSUSURIOSVUANTOAOSNO USURIOS>EMENTA> CONSTITUCIONAL. RESPONSABILIDADE DOESTADO. ART. '! " 6! DACONSTITUIO. PESSOAS+UR)DICAS DE DIREITO PRIVADO PRESTADORAS DESERVIO PqBLICO. CONCESSIONRIO OUPERMISSIONRIO DO SERVIO DE TRANSPORTECOLETIVO. RESPONSABILIDADEOB+ETIVAEMRELAOATERCEIROSNO. 3(H a 'H .5 C164>/>7/@:1.5 R2CONSUMIDOR. RECURSO ESPECIAL. C/E*UE FURTADO.DEVOLUO POR MOTIVO DE CONTA ENCERRADA. FALTA DECONFER,NCIA DA AUTENTICIDADE DA ASSINATURA.PROTESTO INDEVIDO. INSCRIO NO CADASTRO DEINADIMPLENTES. DANO MORAL. CONFIGURAO. CULPACONCORRENTE.< A F8;78 45 4:;:9TDA:8 48 :D67:71:KL3 XD8DA5:08 5= A3DF50:0 88175D7:A:484548866:D87108435=:75D75437P71;3! =56=3M18D43 OS 5DA500848 8 A3D78 5 8:D48 M15 3 G8DA3 DL3 75DR805A5G:43 8I:63 45 F1073 43 AR5M15! 5D65O8 8 05623D68G:;:484545 :D45D:Q80 36 48D36 =308:6 45A3005D756 43 20375673G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=-0:D45I:43 548 :D6A0:KL3 43 A3D61=:430 D36 A84867036 45:D84:=2;5D756. P05A545D756./85 =16>9/E7/ 1H.2A26.1H 1H 5/6.26/?5@:15>26.2951=9/>I9/1 .5 1 O 5>/A/.5.2 .2 427 5(CDC! 807. 1$)! 45 =343 M15 4:625D684845=3D6708KL3 48 A1;28 43 R362:78; 05;87:I8=5D75 8 8736;56:I3645A3005D75645A1;2845=C4:A3:D75908D7545651A3023 A;PD:A3 D3 875D4:=5D73.2.2 28R145; I47EC2>/A5! 8I50:XA8KL348A1;2825;35I5D7348D363 5 8 82;:A8KL3 48 T530:8 48 25048 48 AR8DA5 45=8D48D5A56680:8=5D75 3 05I3;I:=5D73 43 A3DO1D73 FS7:A329971 .2 26290/5 2;I>9/=5.2 M76/=D2 I =164/.295.5/;20D>/85 G756.1 5>/602 54 UNIDADES P%"LICASPROVEDORAS DAS NECESSIDADES INADIVEIS DACOMUNIDADEH 26>26./.542445475;! DL3 650I:D43 A3=3 =5:3 45 A3=25;:0 3A3D61=:430 8 28980 4CG:736 2057C0:736. TAM"UM NO TEM PERMITIDO AINTERRUPO DO SERVIO EM CASOS ESPECIAISH COMO NO CASODE MISERA"ILIDADE DO CONSUMIDORH EM RESPEITO AO PRINCPIODA DIGNIDADE DA PESSOA BUMANA.P30 X=! DL3 75= 84=:7:43 3 A3075 436 650I:K36! 20:DA:28;=5D75 3 45 5D509:85;C70:A8! 230 6123678 F08145 D3 =54:4306.). P924=9/@:1 2 D2=5.F6=/5 (59>4. 2' 2 2(!S3G05 8 45A84TDA:8! 8 M18; F1;=:D8 1=4:05:73 23756787:I3! 61XA:5D755D75D450 3 M18403 8 6591:0>PRA,OS DECADENCIAIS NO DIREITO DO CONSUMIDOR ART. 2'VCIOS APARENTES OU DE FCILCONSTATAOPRA,O INCIO DA CONTAGEMP0341736 31 650I:K36 DL3 410SI5:6 0 4:86 ED70598 5F57:I8 43 203417331 7C0=:D3 48 5N5A1KL3436 650I:K36.P0341736 31 650I:K36 410SI5:6 (0 4:86-SZ=1;8-6!ST+> [Ge-&timaa!o6ran"adatari3a6si!apeousodosser5i"os de tee3onia\.6ST+! RE62 '0#.1'6JRS.G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=6'VCIOS OCULTOS PRA,O INCIO DA CONTAGEMP0341736 31 650I:K36 DL3 410SI5:6 0 4:86 M3=5D73 5= M15 XA805I:45DA:843 3 45F5:73. P0341736 31 650I:K36 410SI5:6 (0 4:86OG678= 8 45A84TDA:8>8) A92=;585@:1=18231987;5.5I 5 92456205>/A5 =199242! M15 45I5 650 708D6=:7:48 45 F30=8:D5M1PI3A8 (7087856.1!31 65O8! 5= 23665 43 F30D5A5430 83 X= 43 208Q3 A3D708718;! 3 :DPA:343 208Q345A845DA:8; 450 31(0 4:86 63=5D7565 480SM18D433F30D5A5430 5D705980 3 2034173 83 A3D61=:430.+S 5= 05;8KL3 83 92420795.1 2 420795.19 2 6:1 92;5=/165.5 5 .232/>1 .1429A/@1HSU+EITALSEAOPRA,OPRESCRICIONALcNUO1 61 C-./01 C/A/; 2 6:1 51 .2 =/6=1 5614HG0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=S7E82>28L42 5 28L42 5 14 5=29=5 .5 =1E956@5 .2 >5K54H >59/3542^1726=59014E56=N9/14H 785A2?G7224456:142=16376.2 =18 5 92=;585@:1 A9R9 D3 RE62 1.021.221.2&!SEO VD8 D56A3D6:4508KL3 48 P5063D8;:4845 +10P4:A8A07. 2#. O O1:Q 23450S 456A3D6:45080 8 25063D8;:4845 O10P4:A848 63A:54845 M18D43! 5= 4570:=5D73 43 A3D61=:430! R31I508G163 45 4:05:73! 5NA5663 45 23450! :DF08KL3 48 ;5:! F873 31873:;PA:7331I:3;8KL3436 567871736 31A3D7087363A:8;.A.24=164/.295@:1 >58EI8 429N 232>/A5.5 G756.1R17A29 35;F6=/5H 24>5.1 .2 /641;AF6=/5H 26=2995826>117 /65>/A/.5.2 .5 91;5.54S1=/2.5.24 =16419=/5.54S1=/2.5.24 =1;/05.54'2EN:95 A3DF16L3 2870:=3D:8; 31456I:3 45 XD8;:4845.B86788:=2366:G:;:484548256638O10P4:A8 45 0528080 36 48D36 83A3D61=:430.NL3 2345 650 82;:A848 45 3FPA:3.D5I5650 5N205668=5D7505M150:485= O1PQ3.P345 650 82;:A848 45 3FPA:3! OS M15 3CDC 75= A80S750 A395D75 5 453045= 2ZG;:A8.11. D5 O329>5 2 .5 P7E;/=/.5.2 (59>4. 30 5 3'!T348 :DF30=8KL3 61XA:5D75=5D75 205A:68 I5:A1;848 230 M18;M150 F30=8 31=5:3 45 A3=1D:A8KL3 A3= 05;8KL3 8 20341736 5 650I:K36 3G0:98 3 F30D5A5430M15 8 XQ50 I5:A1;80!INTEGRANDOOCONTRATOVUEVIERASERCELE"RADO (807. 0).A 3F5078 5 820565D78KL3 45 20341736 31 650I:K36 45I5=866591080:DF30=8KV56A3005786!A;8086! 205A:686!3675D6:I86 5 5=;PD918230719156863G05 6186 A808A750P67:A86! M18;:48456! M18D7:4845! A3=236:KL3! 205K3!9808D7:8! 208Q36 45 I8;:4845 5 30:95=! 5D705 317036 48436! G5= A3=3 63G0536 0:6A36 M15 820565D78= W 68Z45 5 659108DK8 436 A3D61=:43056 (807. 1).EDM18D73 8:D48 F8G0:A843 31 :=2307843 3 2034173! 3 F8G0:A8D75 5 3:=23078430 45I50L3 866591080 8 3F5078 45 A3=23D5D756 5 25K86 4505236:KL3(807.2).C566848 8F8G0:A8KL331:=23078KL3!5 1329>5 5/6.5.2A29N 1=19929 282965>/A5826>22O475 ;/A92 24=1;R5>I < 5N:9:0 3 A1=20:=5D73 F30K843 48 3G0:98KL3! D36 750=36 483F5078! 820565D78KL3 31 21G;:A:4845]II < 8A5:780 31703 2034173 31 205678KL3 45 650I:K3 5M1:I8;5D75]III < 056A:D4:0 3 A3D70873! A3= 4:05:73 W 0567:71:KL3 45 M18D7:85I5D718;=5D75 8D75A:2848!=3D5780:8=5D75 8718;:Q848! 5 8250486 5 48D36.O CDC 84378 3PRINCPIO DA VEICULAO OBRIGATRIA DAPUBLICIDADE! 6591D43 3 M18; 5;8 45I5 650 :45D7:XASI5; A3=3 78;! 45 =343FSA:; 5 :=54:873 25;3 A3D61=:430. V5487/@:1 054>5 85/4 >2895E5;R1 =18 1859`2>/60 .1 G72 =18 5 /=5 58E/26>5; 28 4/ 82485=164/.295.5. A6:718KL3:DI5068! 7:48A3=3C7:A85;PA:78C45D3=:D84825;8 43170:D8 A3=3 u=80^57:D9 I5045v! 8D7HD:=3 45 u9055Dm86R:D9v.P54:D43 ITD:8 D3I8=5D75 W 817308 OS A:7848! 2345 45XD:0[A07. '. Y 203:G:48 7348 21G;:A:4845 5D98D368 31 8G16:I8." 1f Y5D98D368 M18;M150 =348;:4845 45:DF30=8KL3 31A3=1D:A8KL3 45 A80S750 21G;:A:7S0:3! :D75:08 31 280A:8;=5D75F8;68! 31! 230 M18;M150 31703=343! =56=3230 3=:66L3!A828Q 45 :D41Q:0 5=5003 3 A3D61=:430 8 05625:73 48D87105Q8! A808A750P67:A86! M18;:4845! M18D7:4845!20320:548456! 30:95=! 205K3 5 M18:6M150 317036 48436 63G0520341736 5 650I:K36." 2f Y 8G16:I8! 45D705 317086 8 21G;:A:4845 4:6A0:=:D87E0:8 45M18;M150 D87105Q8! 8 M15 :DA:75 W I:3;TDA:8! 5N2;305 3 =54331 8 6125067:KL3! 65 8203I5:75 48 45XA:TDA:8 45 O1;98=5D73 55N250:TDA:848A0:8DK8! 45605625:78I8;30568=G:5D78:6! 31M15 65O8 A828Q 45 :D41Q:0 3 A3D61=:430 8 65 A3=230780 45F30=8 205O14:A:8; 31 250:9368 W 618 68Z45 31 659108DK8.\[A07. 66. F8Q50 8X0=8KL3 F8;68 31 5D98D368! 31 3=:7:0:DF30=8KL3 05;5I8D75 63G05 8 D87105Q8! A808A750P67:A8!M18;:4845! M18D7:4845! 659108DK8! 4565=25DR3!4108G:;:4845! 205K3 31 9808D7:8 45 20341736 31 650I:K36>P5D8 < D575DKL3 45 70T6 =5656 8 1= 8D3 5 =1;78." 1 IDA30050S D86 =56=86 25D86 M15= 28703A:D80 8 3F5078." 2 S5 3 A0:=5 C A1;2363]P5D8 D575DKL3 45 1= 8 65:6 =5656 31 =1;78.\[A07. 6'. F8Q50 31 203=3I50 21G;:A:4845 M15 68G5 31 45I50:868G50 650 5D98D368 31 8G16:I8>P5D8 D575DKL3 45 70T6 =5656 8 1= 8D3 5 =1;78.\NL3 A1678 ;5=G080 M15 8;C= 45 203:G:48 8 21G;:A:4845 5D98D368 5 8G16:I8!3 HD16 45 203I80 8 I508A:4845 5 A3005KL3 48 A8=28DR8 45 =80^57:D9 A8G58 M15 8 28703A:D8! D36 =3;456 43 807. # 43 CDC>[A07. #. OHD16 48 203I8 48 I508A:4845 5 A3005KL3 48:DF30=8KL3 31 A3=1D:A8KL3 21G;:A:7S0:8 A8G5 8 M15=8628703A:D8.\G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=''A66:=! A3=3 05d5N3 45 D3I36 75=236! C F1D48=5D78; M15 86 5=205686 65848275= 5 :DA302305= 3 A3DA5:73 45 61675D78G:;:4845 63A:38=G:5D78;! M1505d575 1=8 5N:9TDA:8 5 205F50TDA:8 436 A3D61=:43056! 65D43 F1D48=5D78; 3=80^57:D9 5 8 21G;:A:4845 5675O8= 8;:DR8436 A3= 86 :D:A:87:I86 5 20S7:A8663A:38=G:5D78:6 5F57:I8=5D752087:A8486 25;86 5=205686! 45D703451=2367108 ;598; 5 C7:A8! 65D43 8G63;178=5D75 I54843 5 052055D6PI5; 8 20S7:A8459055Dm86R:D9! M15A3D67:71: 21G;:A:48455D98D36858G16:I8! 65D433HD16 48 203I8 48 5N:67TDA:8 45 058; G5D5FPA:3 63A:38=G:5D78; 8 M15=28703A:D8 8 A8=28DR8.11.2. OE429A5@S24 .2 P91A541. TRF2 b %II b CESPE b *UESTO . O F30D5A5430 M15 I5:A1;52032898D48 45 D37SI5; 23D718;:4845 5 5XA:TDA:8 45 6516 650I:K36 455D70598 8661=5 36 0:6A36 48 87:I:4845! A3=3 3 870863 8C053$0.2. TRF- b % b CESPE b *UESTO -. *18;M150 256638 205O14:A848 23021G;:A:4845 5D98D368 2345! 5= 20:DAP2:3! G16A80 :D45D:Q8KL3! =56=3DL3 75D43 A3D7087843 D5DR1= 650I:K3.. TRF- b % b CESPE b *UESTO . N3 A863 45 8M1:6:KL3 45 8;:=5D736A3=5=G8;895D6205=:SI5:6! 8816TDA:845:DF30=8KL38A50A8485N:67TDA:8 45 20341736 A3= 45F5:73 45 :=20566L3! A828Q 45 057:080 34:05:73 83 20T=:3! A3DX9108 21G;:A:4845 5D98D368 230 3=:66L3$1.$0E= 45A300TDA:8 43 20:DAP2:3 48 I5:A1;8KL3 3G0:987E0:8 48 21G;:A:4845 5 43F873 45 M15 8 21G;:A:4845 :D75908 3 A3D70873.$1I663 230M15 3 A3D61=:430 2345 A3=2080 3 2034173 63=5D75 2808 75D78098DR80 8 203=3KL3] 65 5;5 A3=2080 3 2034173 A3= 45F5:73 45 :=20566L3!750S 6:43 5D98D843 230 3=:66L3.P03A56618; C:I:;. C:I:;. R5A1063 E625A:8;.P05M1567:3D8=5D73. P1G;:A:4845 5D98D368 230 3=:66L3. AM1:6:KL3 45 05F0:9508D756A3=78=2:DR86 205=:SI5:6. D5F5:736 45 :=20566L3. IDF30=8KL3 DL3 4:I1;9848.A2;:A8KL3 43 CE4:93 45 D5F568 43 C3D61=:430. D:66P4:3 O10:620145DA:8;.C3=203I8KL3. O=:66L3. ID5N:67TDA:8. E=G809364545A;808KL3. R5623D68G:;:484563;:4S0:8 230 21G;:A:4845 5D98D368. R55N8=5 FS7:A3/=54 AE74/A54 (59>. 3)!A6 20S7:A86 8G16:I86 5D1=508486 D5665 807:93 F308=PREVISTASEXEMPLIFICATIVAMENTE. O 280_=5703 2808 65 I50:XA80 65 1=8 20S7:A8 C31 DL3 8G16:I8 C 3 20:DAP2:3 48 G38 FC 3GO57:I8! OS M15 =1:786 I5Q56 78:620S7:A86 650L3 82805D75=5D75 ;598:6! =86 5N50A:486 A3= 8G163 45 4:05:73./S 8;91D6 7:236 45 8736 A1O86 20565DK86 6L3 05214:8486 25;3 D:05:73! 65D4320S7:A86 8G16:I86.O 20:=5:03 8 650 A:7843 C 3 5enire !ontra 3a!tum propriumou Teo"a #o!A$o!P"%p"o!! M15203PG53A3=23078=5D73A3D7084:7E0:3. I663230M15D:D91C= 2345 I3;780 870S6! 1D:;87508;=5D75! D1=8 2367108 M15 75DR8 A0:8431=8;59P7:=85N25A787:I8D83170828075. P8085N5=2;3! I:45ST+!RE6260-.6#'JAM.O17037:23458738G16:I3C8supressio)358surre!tio. P5;820:=5:08!A3D678788) O=:66L3 D3 5N50APA:3 43 4:05:73]G) T08D6A1063 45 45750=:D843 250P343! 9508;=5D75 I80:SI5;]A) ID4PA:36 3GO57:I36 45 M15 5665 4:05:73 DL3 =8:6 650:8 5N50A:43.+S 8 surre!tio650:8 3 D86A:=5D73 45 1= 4:05:73! 8 A3D708F8A5 48 supressio.P30 5N5=2;3! 65 A 45:N8 45 5N50A50 3 651 4:05:73 45 84:=2;:0 1=8 3G0:98KL3D8A:4845B! 84:=2;:D4365=205D8A:4845T! B! 3651A05430! 286680S861230! A3= 36 8D36! M15 78; 4:05:73 F3: 05D1DA:843! 65D43 89308 3 ;3A8; 452898=5D738A:4845T. A66:=! R8I50:88supressio434:05:7345;3A8; 452898=5D73 2808 A 5 8 surre!tio 45 1= 4:05:73 2808 B.T8=GC=CI:673A3=3F30=8455N50APA:38G16:I3434:05:738X91084384:=2;5=5D73 61G678DA:8; 43 A3D70873(su6stantia per3orman!e)$$. E;8$M5DA:3D843 D3ST+! RE62 20'.-0(JSP.$$V50ST+! RE62 2'2.'(JMG.G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=#06:9D:XA8 8 2366:G:;:4845 45 05O5:KL3 O14:A:8; 48 0563;1KL3 43 8A3043A3D708718; M18D43 3 :D84:=2;5=5D73 75= 6:9D:XA_DA:8 4:=:D17805;87:I8=5D75W6280A5;86A3D708718:60591;80=5D75A1=20:486D3_=G:739;3G8; 43 A3D70873.P30 X=! 75=AI50:XA8KL3D3A863A3DA05734820565DK8458;91=456656:D67:71736CF3075:D4PA:3 43 A3=23078=5D73 8G16:I3! =37:I3 M15O167:XA8 3651 2;5D343=PD:3.12.1. P9N>/=54 AE74/A54 P92A/4>54 61 CDC8) C3D4:A:3D80 3 F30D5A:=5D73 45 1= 2034173 31 650I:K3 83 45 31703! 31A3D4:A:3D80! 65= O1678 A8168! 3 F30D5A:=5D73 65= ;:=:756M18D7:787:I36> A3DR5A:48 A3=3 I5D48 A86848$-. Y 20S7:A8 =1:73A3=1= 5= :D67:71:KV56 XD8DA5:086! 5625A:8;=5D75 M18D43 3A3D61=:430 205A:68458G507108 45;:DR86 45A0C4:73 (3 9505D75!6300875:08=5D75! 5=21008 1=2;8D3 [I8D78O363\). A 45D3=:D848sI5D48 A86848s! 63G 5665 5DF3M15! 75=A3=3ratio essendi48I548KL38203:G:KL3:=2367883F30D5A5430 45! 17:;:Q8D434561861250:30:4845 5A3DH=:A8 31 7CAD:A8! 3230O) D5:N80 45567:21;80 208Q32808A1=20:=5D73456183G0:98KL33145:N80 8 XN8KL3 45 651 750=3 :D:A:8; 8 651 5NA;16:I3 A0:7C0:3>SZ=1;802!ST+> [Ga6usi5a!usua!ontratua depanodesa@dequeimita no tempo a interna"o 9ospitaar do se-urado\.PRTICA A"USIVA. CONFER*NCIA. MERCADORIASPAGAS.T0878/=5W G382H 2445=16329F6=/56:15>/6C5E264.2741 RE62$.(0NA/1 .2N1916R5H C7;05.1282^'^2011e (I631985>/A14(#.1ST+! V8;5 A3DF50:0! 78=GC=! 8 5=5D78 45675 :D7505668D75 205A545D75> lPROCESSUAL CIVIL E BANCRIO. AO CIVIL PqBLICA.T)TULOS DE CAPITALIBAO. CLUSULAINSTITUIDORADEPRABO DE CAR,NCIA PARA DEVOLUO DE VALORESAPLICADOS. ABUSIVIDADE. NO OCORR,NCIA. 1. A=8D:F5678KL343M:D:67C0:3PZG;:A382E6861675D78KL3308;058;:Q848 25;8 28075 DL3 :=23078 5= I:3;8KL3 43 807. --$ 43CPC 65 618 20565DK8 D3 203A5663 65 4S D8 A3D4:KL3 45 X6A8;G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=#-48 ;5:. 2.NO PODE SER CONSIDERADA A"USIVACLUSULA CONTRATUAL VUE APENAS REPERCUTENORMA LEGAL EM VIGORH SEM FUGIR AOSPARcMETROSESTA"ELECIDOSPARASUAINCID*NCIA.. N14 =16>95>14 .2 =55;/?5@:1H I AN;/.5 5 =16A26@:1G72 2=/2 2 G75>91! 82424 56>2.528N>/=5.$.NL3 2345 3 O1:Q! A3= G865 D3 CDC! 45750=:D80 8 8D1;8KL3 45A;S161;8 A3D708718; 5N205668=5D75 84=:7:48 25;33045D8=5D73 O10P4:A3 2S70:3 65 DL3 R31I50 5I:4TDA:8 45 M153 A3D61=:430 75DR8 6:43 ;5I843 8 5003 M18D73 83 651A3D75Z43. N3A863A3DA0573! DL3RSD5DR1=88;598KL345M15 8 05A3005D75 75DR8 3=:7:43 :DF30=8KV56 836 82;:A8430563189:4345=8D5:088D5;56:DA17:0F8;6865N25A787:I86. -.D5I5650 17:;:Q84887CAD:A843l4:S;393486F3D756l 2808R80=3D:Q80 8 82;:A8KL3 A3DA3=:78D75 45 43:6 4:2;3=86 ;598:683 =56=3 D59EA:3 O10P4:A3] D3 A863!86 D30=86 5625APXA86M15 0591;8=36 7P71;36 45 A82:78;:Q8KL3 5 3 CDC! M1586659108 836 :DI567:43056 8 708D6280TDA:8 5 86 :DF30=8KV56D5A566S0:86 83 250F5:73 A3DR5A:=5D73 43 2034173. 6. R5A10635625A:8; A3DR5A:43 5 203I:43.A66:=! 9180480 5668 F0865>NO U A"USIVA CLUSULACONTRATUAL ENVOLVENDO CONSUMIDOR VUEAPENAS REFLITA NORMA LEGAL EM VIGORj12.2. OE429A5@S24 .2 P91A541. TRF1b%III bCESPEb*UESTO-.AI5D48A86848CA3D6:450848:D6701=5D73 45 20566L3 63G05 3 A3D61=:430.2. TRF2 b %III b CESPE b *UESTO-. NL3 C ;PA:78 8 82;:A8KL3 8F30D5A5430! 230 =8:6 45 1=E09L3 45 20375KL3 5 45F568 43A3D61=:430! 45 68DKV56 45A3005D756 48 =56=8 :DF08KL3$6.$6ADMINISTRATIVO. PROCESSUAL CIVIL. RECURSOESPECIAL. MANDADODE SEGURANA.CeDIGO DE DEFESA DO CONSUMIDOR. VIOLAO DO ARTIGO -- DO CPC NOCONFIGURADA. PROCEDIMENTOS ADMINISTRATIVOS INSTAURADOS POR eRGOS FEDERAL EESTADUAL DE PROTEOE DEFESA DO CONSUMIDOR. COMPET,NCIA CONCORRENTE.APLICAODEMULTASPELAMESMAINFRAO. IMPOSSIBILIDADE. PODERPUNITIVODOESTADO. PRINC)PIO DA RABOABILIDADE E DA LEGALIDADE. ARTIGO -! PARGRAFO qNICO!DO DECRETO N. 2.1#1J('.1. C863 5= M15 6L3 82;:A8486 =1;786 84=:D:67087:I86 25;3 DPDC 525;3 P03A3D/>7/@:1 .2 264/61 62059L42O9261A5@:1.285>9D=7;5G756.1R17A295>9541478) P0565DK8 45 =S [Ca6e ao Ar-o mantenedor do Cadastro de(rote"oaoCr7ditoanoti:!a"odode5edorantesdepro!ederCins!ri"o\. S582056A0:KL33A30050 8D7564360-8D36! 3D3=54345I5430 45I50S 650 057:0843.G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=(6. SZ=1;8 #-! ST+> [#a anota"o irre-uar em !adastro de prote"o ao!r7dito, no !a6e indeni*a"o por dano mora, quando pree/istentee-&tima ins!ri"o, ressa5ado o direito ao !an!eamento\.'. 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RECURSO ESPECIAL. CONTRATO. PLANODE SAqDE. AIDS. E%CLUSO DE COBERTURA. CLUSULAPOTESTATIVA. PRECEDENTES. PROVIMENTO.I.U 5E74/A5 5 =;N747;5 =16>95>75; /6429>5 28 F6=/5 O 45J.2 G72 5354>5 5 =1E29>795 .2>95>5826>1 .5 4D6.9182 .2 /8167.2T=/F6=/5 5.G7/9/.5(AIDS^SIDA!.II. A6;:=:78KV56W65=20568645205678KL345650I:K36452;8D36 5 6591036 20:I8436 45 68Z45 5= G5D5FPA:3 43A3D61=:430 84I:D486 A3=8L5: (.6-6J(#6582;:A8=! 5=20:DAP2:3! 836 F8736 3A300:436 8 2807:0 45 618 I:9TDA:8! 5=G3083A3D7087375DR86:43A5;5G08438D750:30=5D75! 230M18D73A1:481 =/A/;. E6>92 54 619854 =1647829/4>54 2 54920954 0295/4 .14 =16>95>14H /6429>54 61 C-./01 C/A/; 2;20/4;5@:1 2K>95A5056>2H .2A2 R5A29 =185@:12 6:1 2K=;74:1. U 1 G72 5 .17>9/65 =R585 .2 D/N;101.54 F16>24.. AD75 8 D87105Q8 43 A3D70873 45 8005D48=5D73 =50A8D7:; 31;586:D9! 5=M15256585=205688005D48D75X91080 A3=320320:57S0:8 43 G5=! 3 8005D487S0:3 23661: 3 45I50 45A3D650I80 3G5=8005D4843! 2808M1583XD8; 488I5DK8!5N50A5D4336514:05:73! 2030039153A3D70873! A3=2053145I3;I8 3 G5=.$.A CLUSULA VUEO"RIGA O ARRENDATRIO ACONTRATAR SEGURO EM NOME DA ARRENDANTENO U A"USIVAH 75; 2 5.2=;595@:1 .2 67;/.5.2 .2 1 .2 =;N747;54=16>95>75/4 5E74/A54H OVUE PODE SERFEITOATUMESMO DE OFCIO PELO PODER +UDICIRIO. P05A545D75.(RE62. 1.061.-0JRS! 8F57843 W S591D48 S5KL3).2. A908I3 059:=5D78; 8 M15 65 D598 203I:=5D73.(ST+! A9R9 D3 RE62 $.((1JRS! R5;.M:D:6703 /ONILDOAMARAL DE MELLO CASTRO (DESEMBARGADOR CONVOCADODOT+JAP)! *UARTA TURMA! O1;9843 5=10J11J200(! D+52J11J200()CIVIL. AO REVISO DE CONTRATO BANCRIO E REPETIODEINDYBITO. CONTRATODEPEN/OR. CAPITALIBAODE+UROS. LIMITAO. LEI DA USURA. APLICAO DO CDC AOSCONTRATOSBANCRIOS. MULTAPORATRASODEMAISDE100y DA D)VIDA PRINCIPAL. VALOR E%ORBITANTE. INCLUSAONO CLCULO DA PER)CIA DE D)VIDA DE TERCEIRO.1. OST+! M18D73836 O1036 =3087E0:36! 75=5D75D4:=5D738665D75 D3 65D7:43 45 M15! A3= 8 54:KL3 48 L5: $.-(-J6$! 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S591D48 S5KL3 X0=31 5D75D4:=5D73 D3 65D7:43 45 M1536 A3D708736 G8DAS0:36 567L361O5:736 W6 D30=86 A3D7:486D8M15;5 4:2;3=8.6.U /992;2A56>2 G72 5 =16>95>56>2 >/A2442=16R2=/826>1 .2 =;N747;5 5E74/A5 .1 =16>95>1 .25.24:1. A =/F6=/575; G7224>/56>25G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=106>D>7;1 .2 87;>5 POIS O VCIO EST NO CONTE%DO DECLUSULA E NO NA FALTA DE INFORMAO.(. O=1992 ;24:1 G756.1 785 75; G72e42 814>95 2K=244/A5826>2 1629145 792?5 2 1 =16>2J.1 .1=16>95>1H 1 /6>292442 .54 24 2 17>954=/9=764>[6=/54 2 -E/=2 O =787;5@:1 .2 C7914 .2 8195 287;>5H 5/A1 O 2 .2 2k 161 a 1 .1 59>. #2 .5 L2/ &.0(&^)0 (CDC!. 0$. A I:DA1;8KL3 83 659103 R8G:78A:3D8; C 3G0:987E0:8 5;59P7:=8! 23:6655DA3D708:D650:48D305908=5D7343SF/A3=3 D30=8 :=236:7:I8! W M18; DL3 23450:8 65 F10780 8:D67:71:KL3 XD8DA5:08! DL3 R8I5D43 D36 81736 203I8 45 M155668567:21;8KL353I8;30 4320T=:343659103A3G084375DR8=6:438G16:I36! 31=56=3485N:67TDA:845317086591084308=8:6 G5DCXA883=171S0:3. V5DA:433R5;8730D5668 28075.0-. AT8N8R5F505DA:8;! 45645M1528A71848D3A3D70873! CPD4:A5 IS;:43 2808 8 A3005KL3 43 68;43 45I5430 43XD8DA:8=5D73 R8G:78A:3D8;. (CF.> A9R9 D3 RE62 D.'-6.6-JDF! R5;. M:D. F50D8D43 G3DK8;I56! D+ 45 0-J0(J200-]A9R9 D3 AG D. $2'.-22JPR! R5;. M:D. B80036 M3D75:03! D+ 452(J0#J200-] 5 RE62 D. 216.6#$JBA! R5;. M:D. +3L3 O7SI:3 45N303DR8! D+ 45 26J0$J200-).06. A 8718;:Q8KL3 43 68;43 45I5430 45I50S 650 F5:78 8D756 488=307:Q8KL3 25;3 2898=5D73 48 205678KL3 =5D68;! A3=3F30=8 45 875D45024.$.O 250A5D718; 45 10y45O1036 45=308! 5678G5;5A:43D8A;S161;8 4CA:=8M18078! 2345650 82;:A84383A3D70873 505625A7:I36 84:78=5D736 3A300:436 8D756 45 1J0#J(6! 4878 485D70848 5= I:930 48 L5: (.2(#.-. A25;8KL3 8 M15 65 4S 280A:8; 203I:=5D73.(TRF1! AC 200$.-.00.01---#>/H C7;05.1 28 10^&^2011.1(.1. P9/6=D/A18) P0:DAP2:3 48 4:623D:G:;:4845 =37:I848> 63=5D75 65 23450S 456:67:0 488KL3A3;57:I865R31I50 =37:I8KL35F1D48=5D78KL3:4HD58280878D73. NL3R8I5D43! 3165D43:DA:2:5D75! 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A3=86=5D68;:4845656A3;80568G16:I8=5D75 058O1678486.E668 05;8KL3 O10P4:A8 2345 65 480 5D705 =5=G036 45 1= 90123! A875930:8 31A;8665. A45=8:6! 8 05;8KL3 O10P4:A8 G865 D5A566:78 650 8D750:30 W ;56L3! A863A3D70S0:3 DL3 R8I50S D5N3 A8168; 5D705 8 A3D4178 5 3 48D3.S5 36 7:71;8056 43 4:05:73 6L3 :45D7:XASI5:6! 230 M15 3 4:05:73 C :D4:I:6PI5;hP3:6 8 7175;8 750S 3 56A323 45 0528080 3 48D3 5= 05;8KL3 83 90123! A;8665 31A875930:8! 5 DL3 5= 05;8KL3 8 A848 1=8 486 2566386. 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OS M15 56686=87C0:86 23450:8= 650 :D4:I:418;=5D75 23671;8486]A) A O10:62014TDA:8 75= 84=:7:43 3 A3D703;5 :DA:45D78; 45A3D67:71A:3D8;:4845 D8 ACP! 65D43 I54843! 3GI:8=5D75! 8KL345A;8087E0:8 :DA:45D78; 63G05 3 23D73 A3D703I507:43 A3D67:71A:3D8;]4) A 4:67:DKL3 5D705 :D75056656 4:F1636 5 A3;57:I36 4525D45 48 XN8KL3 433GO573 ;:7:9:363 43 203A5663.1(.2.1. O S/4>285 N5=/165; .2 D23245 .1 C16478/.19 SNDC[A07. 10-. ID75908=3 S:675=8 N8A:3D8; 45 D5F568 43C3D61=:430 (SNDC)! 36 E09L36 F54508:6! 5678418:6! 43 D:670:73F54508; 5 =1D:A:28:6 5865D7:48456 20:I848645 45F56843A3D61=:430.\EN:675 2375DA:8; 45 A3Dd:73 5D705 36 E09L36 43 S:675=8 N8A:3D8; 45 D5F56843 C3D61=:430 (PROCON|6! M:D:67C0:36 PZG;:A36! D5F5D630:86 PZG;:A86 57A.) 5317036 E09L36 M15 5N50A5= 23450 45 X6A8;:Q8KL3 31 45 0591;8=5D78KL3 5=4:I50686 S0586 45 87:I:48456 5A3DH=:A86 31 45 650I:K36 2ZG;:A36!:D4525D45D75=5D754578:687:I:484566505=5DM1840SI5:631DL3A3=305;8KV56 45 A3D61=3h6$I663=1431. A93086584=:75ACP5==87C0:8205I:45DA:S0:8! 8D75651:DM1567:3DSI5; :D7505665 63A:8; (STF! A9R9 D3 AI -16.$1(JPR).G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=11'A05623678CD5987:I8! 23:63A3Dd:73C825D8682805D75. E=78:6A86365N:675 3 M15 8 43170:D8 AR8=8 45 =16l/>1 R19/?16>5; .2 5>9/E7/@S24 5=3236:KL3 83 =16l/>1 A29>/=5; .2 5>9/E7/@S24. C3DX08[O A3Dd:73 I507:A8; 45A3005 484/>75@:1 28G72 .1/4-90:14 758 ./92>5826>2 65 .23245 .1=16478/.19 26>26.28>29 5>9/E7/@S24 5 .2 7831962=2.19. O6 5N5=2;36 6L3 :DZ=5036. I=89:D5/A54 1 2376.5826>1.\ (BEN+AMIN! AD7HD:3/50=8DV.] MAR*UES!C;814:8 L:=8] BESSA! L53D8043 R36A35. M8D18; 45 4:05:73 43A3D61=:430. $. 54. SL3 P81;3> RT! 2012! 2. $1$[PROCESSOCIVIL. CONSUMIDOR. EMBARGOSkE%ECUOFISCAL. MULTA APLICADA PELO PROCON. DIVERG,NCIA+URISPRUDENCIAL. AUS,NCIADE SIMILITUDE FTICA. NOCON/ECIMENTO. OMISSO. INE%IST,NCIA. DOSIMETRIADASANO. VALIDADE DA CDA.REE%AME DE MATYRIA FTICA.SqMULA0'JST+. COMPET,NCIADOPROCON. ATUAODAANATEL. COMPATIBILIDADE.1. A 05A3005D75 I:68 456A3D67:71:0 7P71;3 5N5A17:I3 5N708O14:A:8;A3005623D45D75 W =1;78 82;:A848 230 P03A3D =1D:A:28; WA3DA566:3DS0:8 43 650I:K3 45 75;5F3D:8. A 05F50:48 25D8;:48450561;731 43 456A1=20:=5D73 45 45750=:D8KL3 48M15;5 E09L345 45F568 43 A3D61=:430 A3DA50D5D75 W :D678;8KL3 45 ;:DR875;5FHD:A8 D3 208Q3 45 10 (45Q) 4:86.G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=11#(...)-. S5=205 M15 A3D41786 2087:A8486 D3 =50A843 45 A3D61=387:D9:05= 4:0578=5D75 3 :D7505665 45 A3D61=:43056! C;59P7:=8 8 8718KL3 43 P03A3D 2808 82;:A80 86 68DKV5684=:D:67087:I86 205I:6786 5=;5:! D3 0591;80 5N50APA:3 4323450 45 23;PA:8 M15 ;R5 F3: A3DF50:43 D3 _=G:73 43 S:675=8N8A:3D8; 45 D5F568 43 C3D61=:430.T5; 5>75@:1H 6126>56>1H 6:1 2K=;7/ 628 42 =16376.2 =18 1 2K29=D=/1.5 5>/A/.5.2 9207;5>-9/5 42>19/5; 925;/?5.5 o...pII 95>5.1 420791 .2924-9/1 />7>1 .2R244207914 .1"954/;.N5678 R:2E7565! 865D75DK8M15O1;980 203A545D753254:43A3D45D80S30C1D36 750=36 43 807. #0 43 CE4:93 45 P03A5663 C:I:;. S5 3 0C1R31I50 6:43 45A;80843 F8;:43! 3 6PD4:A3 650S :D7:=843 8:DF30=80 8 5N:67TDA:8 45 659103 45 05623D68G:;:4845!35=7;>56.1L42H 28 =541 5T985>/A1H O A+UI,AMENTO DEAO DE INDENI,AO DIRETAMENTE CONTRA OSEGURADOR! I54848 8 45D1DA:8KL3 48 ;:45 83 ID67:7173 45R566591036 43 B086:; 5 4:625D6843 3 ;:7:6A3D6E0A:3 3G0:987E0:3A3= 5675.O807. 1243CDC(F873432034173)205IT1=805623D68G:;:484563;:4S0:85D7053F8G0:A8D75! 320341730! 3A3D6701730! D8A:3D8; 3156708D95:03! 53:=23078430! M1505623D45=! :D4525D45D75=5D75485N:67TDA:845A1;28!25;8 052808KL3 436 48D36 A8168436 836 A3D61=:43056 230 45F5:736 31:DF30=8KV56 43 2034173. O A3=50A:8D75! 5D70578D73! 825D86 05623D4563;:480:8=5D75 D86 R:2E75656 205I:6786 D36 :DA:636 43 807. 1.G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=121O 280S908F3 ZD:A3 43 807. 1 205IT 3 4:05:73 45 05905663 45 M15= 05623D450O1D7383A3D61=:430 A3D70836 45=8:6 05623D6SI5:6! 2808M1523668=056680A:1.29209244161482481457>1417285@:157>M6185H 854 A2.59 5 .2676=/5@:1 O ;/.2H G7/4 1 ;20/4;5.19/0/595=2;29/.5.22232>/A/.5.2.1CIVIL E PROCESSUAL. AO DE INDENIBAO. DANOSMORAIS. INSCRIO EM CADASTROS DE DEVEDORES.C/E*UES ROUBADOS DA EMPRESA RESPONSVEL PELAENTREGA DOS TALONRIOS. DENUNCIAO DA LIDE.RE+EIO COM BASE NO ART. ## DO CDC. VEDAO RESTRITAA RESPONSABILIDADE DOCOMERCIANTE (CDC! ART. 1).FATO DO SERVIO. AUS,NCIA DE RESTRIO COM BASE NARELAO CONSUMERISTA. DESCABIMENTO. ABERTURA DECONTENCIOSO PARALELO.I. A I548KL3 W 45D1DA:8KL3 W ;:45 4:623678 D3 807. ## 48 L5: D.#.0'#J1((005670:D951 655@:1 .2 429A/@14 (807. 1$). o...p (RE62 102$'(1JSP! R5;.M:D:6703 ALDIR PASSARIN/O +UNIOR! *UARTA TURMA! O1;98435= 0-J02J200(! D+5 0(J0J200()CONSUMIDOR. RECURSO ESPECIAL. AO DE INDENIBAO.RESPONSABILIDADE CIVIL. MYDICO PARTICULAR.RESPONSABILIDADE SUB+ETIVA. /OSPITAL.RESPONSABILIDADESOLIDRIA. LEGITIMIDADEPASSIVAADCAUSAM. o...p 6. A4=:752H 6785 R29826F7>/=5 85/4>2;21;-0/=5H 26>26.2G7228G75;G729R/242IA2.5.55G0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=122.2676=/5@:1 O ;/.2H .5.1 G72 5 581 .1 =16478/.19. S2 24>2 4:05:73 =8750:8; 5 203A56618;. SL3 P81;3>MC7343! 2012! 22. $(' 5 $(#)V756>151=R585826>151/A5 2 5E956026>2 28 /921420795.1L31962=2.19H26G756>1 65 4/4>28N>/=5 =;N44/=5 .1 CPC 5 2K/4>F6=/5 .2 =16>95>1.2 420791 2642C59/5 5 .2676=/5@:1 O ;/.2! D36 =3;456 43 807. '0! III (807.'0. A 45D1DA:8KL3 48 ;:45 C 3G0:987E0:8> III < WM15;5 M15 567:I50 3G0:9843!25;8 ;5: 31 25;3 A3D70873! 8 :D45D:Q80! 5= 8KL3 0590566:I8! 3 205O1PQ3 43 M15250450 8 45=8D48).N3 5D78D73 3 CDC F3: =8:6 8G08D95D75 M15 3 CPC! 83 :D4:A80 8 :DA:4TDA:8 43807. #0 43 CPC D8 R:2E7565 45 203A54TDA:8! M15 A3D45D80:8 63;:480:8=5D75 365910843 RT! 200! 2. '0#)E6>92>56>1H 5 ./4>/6@:1 26>92 5 =16.265@:1 41;/.N9/5 6:1 I 85/4 >:192;2A56>2 /6@:1 .14 /64>/>7>14H POIS O ST+ VEMADMITINDO A CONDENAO DIRETA DO LITISDENUNCIADO EMRELAO AO AUTORH EM VERDADEIRO LITISCONSRCIOH/6.1L42 5 2K2=7@:1 ./92>5 .1 57>19L=16478/.19 =16>95 1.2676=/5.1>CIVIL E PROCESSUAL. AGRAVO REGIMENTAL. RECURSOESPECIAL. AO INDENIBATeRIA PROMOVIDA CONTRA OG0123 45 E671436 2808 8 M89:67087108 F54508;5 GE?+F@9339;5903126.A3=12$CAUSADOR DO SINISTRO. DENUNCIAO k LIDE DASEGURADORA ACEITA E APRESENTADA CONTESTAO.INTEGRAO AO PeLO PASSIVO! EM LITISCONSeRCIO COM ORYU. SOLIDARIEDADENACONDENAO! ATYOLIMITEDOCONTRATO DE SEGURO. CPC! ART. '-! I. IMPROVIMENTO.I.P9181A/.555@:1=16>951=5745.19 .15=/.26>2G72H 5H785 A2? 5=2/>56.1 5 ;/>/4.2676=/5@:1 2 =16>24>56.1 1229814 .1 59>. (#H IH .5 ;2/ 5.C2>/A5 =/A/;.II. S26>26@5 =16.265>-9/5 G72 5.5=16>95 58E14 17 G75/4G729 .14 ;/>/4=16419>24.III.A908I3059:=5D78; :=203I:43. (A9R9D3RE62'(2.'-JRS!R5;. M:D:6703ALDIRPASSARIN/O+UNIOR! *UARTATURMA!O1;9843 5= 01J06J2010! D+5 2(J06J2010)O1703 8625A73 05;5I8D75 C 3 45 M15 25;8 ;:7508;:4845 43 807. 101! II! 43 CDC!3 A3D61=:430 825D86 23450:8 8O1:Q80 8 8KL3 4:0578=5D75 A3D708 86591084308D8R:2E756545F8;TDA:843F30D5A5430. N35D78D73! =8:61=8I5Q 8 O10:62014TDA:8 20390566:I8 43 ST+ I5= 84=:7:D43! A3= G865 D8 F1DKL363A:8; 43A3D708735230 5D75D450 M153A3D7087345659103650:81=8567:21;8KL3 5= F8I30 45 750A5:036! M15 3 81730 8O1PQ5 8KL3 A3D708 3 A81684304348D35A3D70886591084308! 87C=56=3:63;848=5D75! 65=M15365910843CIVIL E PROCESSO CIVIL. RECURSO ESPECIAL. INDENIBAOSECURITRIA. AOPROPOSTADIRETAMENTEEMFACEDASEGURADORASEM*UEOSEGURADOFOSSEINCLU)DONOPOLO PASSIVO. LEGITIMIDADE.1. A :D75020578KL3 45 A;S161;8 A3D708718; 5= 05A1063 5625A:8;C :D84=:66PI5;. IDA:4TDA:8 48 SZ=1;8 -JST+.2. ID5N:675 3F5D68 83 807. -- 43 CPC! M18D43 3 70:G1D8; 4530:95= 203D1DA:8/>7>1 .2 R244207914.1 "954/; 2 475 ./4