87. Recalls its requests, expressed in its discharge resolution of 5 May 2010, that the costs of a sponsored group visit should always be reimbursed to the group leader by bank transfer and not in cash and that a study should be conducted by the Parliament to examine whether the flat-rate system for the reimbursement of travel expenses incurred by official visitor groups is adequate in view of their different departure points and destinations for their visits or whether the system of reimbursement of real costs, subject to a ceiling, would be more suitable for that type of group; ...[+++]

We would prefer to see no redemption charges but also accept the right of parties to agree a contract (if they so wish), which may include redemption conditions and fees, so long as this is clearly detailed and is agreed expressly by the user.

This Directive should not apply to certain types of credit agreement, such as deferred debit cards, under the terms of which the credit has to be repaid within three months and only insignificant charges are payable.

credit agreements where the credit is granted free of interest and without any other charges and credit agreements under the terms of which the credit has to be repaid within three months and only insignificant charges are payable.

‘total cost of the credit to the consumer’ means all the costs, including interest, commissions, taxes and any other kind of fees which the consumer is required to pay in connection with the credit agreement and which are known to the creditor, except for notarial costs; costs in respect of ancillary services relating to the credit agreement, in particular insurance premiums, are also included if, in addition, the conclusion of a service contract is compulsory in order to obtain the credit or to obtain it on the terms and conditions marketed.

The information package, providing proposers and interested parties with practical information on the research programme financed by the Coal and Steel Research Fund, participation rules, methods of managing proposals and projects, rules for the submission of proposals, model contracts, allowable costs, the maximum financial contribution allowable and methods of payment.