Kooperativer Bibliotheksverbund

UID:

Format: XVI, 264 Seiten , 24 cm

ISBN: 9780367204686 , 0367204681

Series Statement: Markets and the law

Additional Edition: ISBN 9781000209747

Additional Edition: ISBN 9781000209709

Additional Edition: ISBN 9781000209723

Additional Edition: ISBN 9781003104650

Additional Edition: ISBN 9781000209747

Additional Edition: Erscheint auch als Online-Ausgabe Vulnerable consumers and the law Abingdon, Oxon : Routledge,, 2021 ISBN 9781000209747

Additional Edition: ISBN 1000209741

Additional Edition: ISBN 9781000209709

Additional Edition: ISBN 1000209709

Additional Edition: ISBN 9781003104650

Additional Edition: ISBN 1003104657

Additional Edition: ISBN 9781000209723

Additional Edition: ISBN 1000209725

Additional Edition: Erscheint auch als Online-Ausgabe Riefa, Christine Vulnerable Consumers and the Law Milton : Taylor & Francis Group, 2020 ISBN 9781000209747

Language: English

Subjects: Law

Keywords: Verbraucherberatung ; Verbraucherschutz ; Aufsatzsammlung

URL: Inhaltsverzeichnis

UID:

Format: 1 online resource (281 pages)

ISBN: 9781000209747

Series Statement: Markets and the Law Ser

Note: Description based on publisher supplied metadata and other sources , Cover -- Half Title -- Series Information -- Title Page -- Copyright Page -- Table of contents -- Acknowledgements -- Contributors -- Foreword -- 1 In search of (access to) justice for vulnerable consumers -- 1.1 Vulnerable consumers and access to justice: The debate in context -- 1.2 Unpicking the needs of vulnerable consumers to design better access to justice -- 1.2.1 Normative responses to consumer vulnerability -- 1.2.2 Regulatory responses -- 1.2.3 State of the access to justice solutions -- 2 Economic theory and consumer vulnerability: Exploring an uneasy relationship -- 2.1 Introduction -- 2.2 Neoclassical influence on consumer law -- 2.3 Catering for the vulnerable in the 'information paradigm': The use of behavioural economics -- 2.4 Carving out 'vulnerable groups of consumers' in regulation -- 2.5 The need to re-interpret economic theories to serve the vulnerable -- 3 A universal perspective on vulnerability: International definitions and targets -- 3.1 Introduction -- 3.2 Inclusion of vulnerable consumers in the United Nations Guidelines for Consumer Protection (UNGCP) -- 3.3 Vulnerability in the Sustainable Development Goals -- 3.3.1 SDG 1: End poverty in all its forms everywhere -- 3.3.2 SDG 10: Reduce inequality within and among countries -- 3.3.3 Interface between protection of vulnerable consumers in OECD countries and SDGs -- 3.4 Integrating 'vulnerability' and its protection in law and regulation -- 3.4.1 Variety in tackling the protection of vulnerable consumers in law -- 3.4.2 Spotlight on the protection of vulnerable consumers in regulated public services -- 3.4.2.1 Protection of existing customers -- 3.4.2.2 Protection against disconnection -- 3.4.2.3 Universal or selective help? -- 3.4.2.4 A human rights approach? -- 3.4.2.5 Non-connected consumer - the most expensive service is that which does not exist , 3.5 Conclusion -- 4 The legal definition of 'vulnerable' consumers in the UCPD: Benefits and limitations of a focus on personal attributes -- 4.1 Introduction -- 4.2 A multi-disciplinary conceptualisation of consumer vulnerability -- 4.3 Vulnerable consumers in the UCPD -- 4.3.1 Vulnerability due to age -- 4.3.2 Vulnerability due to infirmity -- 4.3.3 Vulnerability due to credulity -- 4.3.4 Foreseeability by the trader -- 4.4 The way forward for consumer vulnerability -- 4.4.1 A missed opportunity to reform -- 4.4.2 Possible interim solutions -- 4.5 Conclusion -- 5 Vulnerable consumers in financial services and access to justice: The regulatory response -- 5.1 Introduction -- 5.2 Vulnerability in the financial services context -- 5.3 Access to justice in the financial services context -- 5.4 Regulatory response and its impact on vulnerability and access to justice -- 5.4.1 Regulatory framework for financial services -- 5.4.2 Specific case of the unfair credit relationship -- 5.5 Conclusion -- 6 Regulating the consumer credit market: Protecting vulnerable consumers -- 6.1 Introduction -- 6.2 The UK consumer protection regime: Price regulation -- 6.3 Protecting vulnerable consumers: Regulating conduct, rather than prices -- 6.4 Financial sanctions and criminal proceedings: Solution to protect vulnerable consumers? -- 6.5 Conclusion -- 7 Vulnerability in the UK energy market -- 7.1 Introduction -- 7.2 Price cap and consumer engagement in the market -- 7.2.1 The difficulties with a price cap -- 7.2.2 Consumer engagement as an indicator -- 7.3 Vulnerability as a concept -- 7.3.1 Fuel poverty -- 7.3.2 Impact vulnerability -- 7.3.3 Redress vulnerability -- 7.4 Vulnerability in context: Societal vulnerability and energy market vulnerability -- 7.5 Changing the perspective: Reasonable expectations -- 7.6 Additional expectations -- 7.6.1 Relational contracts , 7.6.2 Energy as a public good -- 7.7 Conclusion -- 8 Using 'stokvel' community values to combat financial exclusion -- 8.1 Introduction -- 8.2 Financial exclusion as consumer vulnerability -- 8.3 Stokvels as a response to financial exclusion and lack of access to credit -- 8.4 Formalising stokvels -- 8.4.1 Formalising the informal economy through law -- 8.4.2 Registering stokvels as financial mutuals -- 8.5 Comparative analysis: Credit unions in the UK -- 8.6 Conclusion -- 9 The role of voluntary standards in improving outcomes for consumers in vulnerable situations -- 9.1 Introduction -- 9.2 Standards solutions to vulnerability -- 9.2.1 What are standards? -- 9.2.2 Benefits of consumer involvement in standards -- 9.2.3 How standards protect consumers in vulnerable situations -- 9.3 The impact of BS 18477 in tackling consumer vulnerability -- 9.3.1 How BS18477 works -- 9.3.2 Consumers in vulnerable situations and essential services -- 9.3.3 Certification -- 9.4 Addressing consumer vulnerability at a global level -- 9.5 Tackling vulnerability in practice: case studies -- 9.5.1 Scottish and Southern Electricity Networks (SSEN) -- 9.5.2 South East Water (SE Water) -- 9.5.3 Wales and West Utilities (WWU) -- 9.6 Conclusion -- 10 Improving courts and ADR to help vulnerable consumers access justice -- 10.1 Introduction -- 10.2 Access to justice -- 10.2.1 Accessibility -- 10.2.2 Procedural and substantive fairness -- 10.3 The courts' reform programme -- 10.4 Small claims in the county court -- 10.5 The growth of ADR -- 10.5.1 Consumer ADR systems -- 10.5.2 ADR users -- 10.6 Conclusion -- 11 ODR and access to justice for vulnerable consumers: The case of the EU ODR Platform -- 11.1 Introduction -- 11.2 Workings of the EU Online Dispute Resolution platform (ODR) -- 11.3 Critical evaluation of the ODR Platform , 11.3.1 Lack of compliance with ODR regulation requirements -- 11.3.2 Limitations of the ODR Platform in addressing fragmentation and its impact on the vulnerable -- 11.3.3 Lack of traders' engagement with the ODR Platform does not serve the vulnerable -- 11.3.4 Platform accessibility needs improving -- 11.3.5 Lack of awareness amongst potential claimants -- 11.4 Conclusion -- 12 Consumer ADR in the European Union and in Portugal as a means of ensuring consumer protection -- 12.1 Introduction -- 12.2 Historical background and rationale underlying the adoption of ADR -- 12.3 Main features of consumer ADR in Portugal -- 12.3.1 Role of arbitration centres -- 12.3.2 Mediation procedure -- 12.3.3 Compulsory arbitration procedures -- 12.4 Obligation of information about ADR procedures -- 12.5 Role of the fundamental principles in protecting (vulnerable) consumers -- 12.6 Rationale and relevance of consumer ADR for vulnerability mitigation -- 12.7 Conclusion -- 13 Online dispute resolution of consumer disputes, vulnerable consumers and new technologies -- 13.1 Introduction -- 13.2 Strategies to address the shortcomings of ODR to serve vulnerable consumers -- 13.2.1 Raising awareness -- 13.2.2 Addressing the digital divide -- 13.2.3 Offering support to facilitate engagement -- 13.2.4 Monitor and report -- 13.3 Can new technologies really improve ODR for vulnerable consumers? -- 13.3.1 ODR decision compliance solved on the blockchain -- 13.3.2 Example of blockchain enabled systems -- 13.3.3 Algorithm enabled mediation -- 13.4 Conclusion -- 14 Using claims management as a method to help consumers on low income -- 14.1 Introduction -- 14.2 Assessing the relevance of CMCs by reference to their national legal environment -- 14.3 The development and regulation of 'legal tech' CMCs -- 14.3.1 Legal constructions and business models -- 14.3.2 Regulation of CMCs , 14.4 Merits of legal tech CMCs as a tool for low-income consumers -- 14.4.1 Advantages and inconveniences of CMCs over competing legal services -- 14.4.2 Barriers for consumers on low income -- 14.4.2.1 Technological barriers -- 14.4.2.2 Financial barriers -- 14.4.2.3 Psychological barriers -- 14.5 Lack of availability of CMCs for low-income consumers -- 14.6 Conclusion: Are digitalised administration and self-executing 'smart' contracts the new frontier to protect ... -- 15 The way forward: For an 'inclusive' access to justice to protect vulnerable consumers -- 15.1 Breaking boundaries and silos in the definition(s) and framework of protection of 'vulnerable consumers' -- 15.1.1 Dismantling compartments and looking for a coherent and inclusive approach -- 15.1.2 A solution to the limitations of a definition of the vulnerable -- 15.1.3 Make 'vulnerability' a core value of consumer protection policies -- 15.2 Acknowledging lack of access to justice as a systemic failure -- 15.3 Access to justice stuck in neutral? Supporting effective and fair dispute avoidance through regulation and public ... -- 15.4 Back to the future: Some suggested solutions for improved dispute resolution and access to justice for vulnerable ... -- 15.4.1 One-stop shop: Closing the access to justice gap -- 15.4.2 Embracing digital justice as a means to transform access to justice? -- 15.4.3 Back to the future: towards inclusive access to justice for vulnerable consumers -- Index

Additional Edition: Erscheint auch als Druck-Ausgabe Riefa, Christine Vulnerable Consumers and the Law Milton : Taylor & Francis Group,c2020 ISBN 9780367204686

Language: English

Keywords: Aufsatzsammlung

UID:

Format: 1 online resource

ISBN: 9781000209747 , 1000209741 , 9781000209709 , 1000209709 , 9781003104650 , 1003104657 , 9781000209723 , 1000209725

Series Statement: Markets and the law

Content: 1. In search of (access to) justice for vulnerable consumers \ Christine Riefa and Séverine Saintier -- 2. Economic theory and consumer vulnerability: Exploring an uneasy relationship \ Christine Riefa and Harriet Gamper -- 3. A Universal Perspective on vulnerability: International Definitions and Targets. \ Robin Simpson -- 4. The legal definition of 'vulnerable' consumers in the UCPD: benefits and limitations of a focus on personal attributes \ Eleni Kaprou -- 5. Vulnerable consumers in financial services and access to justice: the regulatory response \ Sarah Brown -- 6. Regulating the consumer credit market -- protecting vulnerable consumers \ Nic Ryder and Dan Jasinski -- 7. Vulnerability in the UK Energy Market \ Tim Dodsworth -- 8. Using 'stokvel' community values to combat financial exclusion \ Andrew Hutchinson -- 9. The role of voluntary standards in improving outcomes for consumers in vulnerable situations \ Julie Hunter -- 10. Improving courts and ADR to help vulnerable consumers access justice \ Cosmo Graham -- 11. ODR and Access to Justice for vulnerable consumers: the case of the EU ODR Platform \ Elisabetta Sciallis -- 12. Consumer ADR in the European Union and in Portugal as a means of ensuring consumer protection \ Jorge Morais Carvalho -- 13. Online Dispute Resolution of Consumer Disputes, Vulnerable Consumers and New Technologies \ Mateja Durovic and Plamena Markova -- 14. Using claims management as a method to help consumers on low income \ Peter Rott -- 15. The way forward: for an 'inclusive' access to justice to protect vulnerable consumers \ Christine Riefa and Séverine Saintier.

Additional Edition: ISBN 0367204681

Additional Edition: ISBN 9780367204686

Additional Edition: ISBN 9780367555184

Additional Edition: Erscheint auch als Druck-Ausgabe ISBN 0367204681

Additional Edition: Erscheint auch als Druck-Ausgabe Vulnerable consumers and the law London : Routledge, Taylor and Francis Group, 2020 ISBN 9780367204686

Additional Edition: ISBN 0367204681

Language: English

Subjects: Law

Keywords: Verbraucherberatung ; Verbraucherschutz ; Aufsatzsammlung

DOI: 10.4324/9781003104650

URL: lizenzpflichtig

UID:

Format: 1 online resource

ISBN: 9781000209747 , 1000209741 , 9781000209709 , 1000209709 , 9781003104650 , 1003104657 , 9781000209723 , 1000209725

Series Statement: Markets and the law

Content: This book charts the difficulties encountered by vulnerable consumers in their access to justice, through the contributions of prominent authors (academic, practitioners and consultants) in the field of consumer law and access to justice. It demonstrates that despite the development of ADR, access to justice is still severely lacking for the vulnerable consumer. The book highlights that a broad understanding of access to justice, which encompasses good regulation and its public enforcement, is an essential ingredient alongside access to the mechanisms of traditional private justice (courts and ADR) to protect the vulnerable consumer. Indeed, many of the difficulties are linked to normative obstacles and lack of access to justice is primarily a vulnerability in itself that can exacerbate existing ones. In addition, because it may contribute to 'pushing' already vulnerable consumers into social exclusion it is not simply about economic justice but also about social justice. The book shows that lack of access to justice is not irreversible nor is it necessarily linked to consumer apathy. New technologies could provide solutions. The book concludes with a plea for developing 'inclusive' justice systems with more emphasis on public enforcement alongside effective courts systems to offer the vulnerable with adequate means to defend themselves.

Note: 1. In search of (access to) justice for vulnerable consumers \ Christine Riefa and Séverine Saintier -- 2. Economic theory and consumer vulnerability: Exploring an uneasy relationship \ Christine Riefa and Harriet Gamper -- 3. A Universal Perspective on vulnerability: International Definitions and Targets. \ Robin Simpson -- 4. The legal definition of 'vulnerable' consumers in the UCPD: benefits and limitations of a focus on personal attributes \ Eleni Kaprou -- 5. Vulnerable consumers in financial services and access to justice: the regulatory response \ Sarah Brown -- 6. Regulating the consumer credit market -- protecting vulnerable consumers \ Nic Ryder and Dan Jasinski -- 7. Vulnerability in the UK Energy Market \ Tim Dodsworth -- 8. Using 'stokvel' community values to combat financial exclusion \ Andrew Hutchinson -- 9. The role of voluntary standards in improving outcomes for consumers in vulnerable situations \ Julie Hunter -- 10. Improving courts and ADR to help vulnerable consumers access justice \ Cosmo Graham -- 11. ODR and Access to Justice for vulnerable consumers: the case of the EU ODR Platform \ Elisabetta Sciallis -- 12. Consumer ADR in the European Union and in Portugal as a means of ensuring consumer protection \ Jorge Morais Carvalho -- 13. Online Dispute Resolution of Consumer Disputes, Vulnerable Consumers and New Technologies \ Mateja Durovic and Plamena Markova -- 14. Using claims management as a method to help consumers on low income \ Peter Rott -- 15. The way forward: for an 'inclusive' access to justice to protect vulnerable consumers \ Christine Riefa and Séverine Saintier.

Additional Edition: Print version: ISBN 0367204681

Additional Edition: ISBN 9780367204686

Language: English

Keywords: Electronic books. ; Electronic books.

DOI: 10.4324/9781003104650

URL: https://www.taylorfrancis.com/books/9781003104650