An essential document for any subsequent claim, as it is the document that certifies the commercial transaction. According to Acodeco statistics, the cases are mainly distributed among three sections: • Complaints Decision Section: 500 cases for an amount of B/. 280,912.84. • Mediation: 60 complaints for B/. 2,437,602.49. • Motor Vehicles Section: 232 claims for B/. 2,920,865.10. Acodeco highlights the importance of guarantee terms and conditions always being clearly and precisely stated in writing. From January to September 2025, the entity registered a total of 792 complaints nationwide, whose accumulated amount amounts to B/. 5,639,380.43. Failure to comply with the guarantee has positioned itself as the main reason for complaints filed by consumers during the current fiscal year. Acodeco Statistics: Claims for breach of guarantee exceed B/. 5.6 million from January to September. This reason became the main cause of claims before the entity, with the motor vehicle and mediation sectors concentrating the highest claimed amounts. This includes the repair, replacement of the product, or the return of the money paid by the consumer, as the case may be. In addition, it must detail the general conditions for making the guarantee effective, indicating the covered and excluded risks, as well as the place where the claim must be presented, together with the express approval of the supplier or its representative. Obligations of the supplier and recommendations to the consumer When the goods purchased present failures or do not function properly during the validity period of the guarantee, due to a defect in the product or a cause attributable to the supply chain (manufacturer, importer, distributor, or supplier), the latter has the obligation to ensure its correct operation. If the good cannot be repaired, the supplier must proceed with its replacement or the restitution of the sums paid. The entity emphasizes that the supplier and intermediaries cannot offer a guarantee lower than the one received from the manufacturer. Likewise, buyers are recommended to check the good before leaving the commercial establishment and not to trust oral promises, as these have no legal validity. Said document may be incorporated into the sales contract, be a separate document, or be part of the respective invoice. The minimum information it must contain includes: the names and addresses of the establishment and the consumer; a precise description of the good or service (brand, serial number, model, color); the date of purchase and delivery, and the term of duration of the guarantee.
Breach of guarantee generates 792 complaints for over B/.5.6 million before Acodeco in 2025
In Panama, from January to September 2025, consumers filed 792 complaints with Acodeco for over B/.5.6 million due to suppliers failing to meet their guarantee obligations. The main claims are related to motor vehicles and mediation services.