Vulnerable Consumers and the Law


Book Description

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. This book will be suitable for both students and practitioners, and all those with an interest in the justice system.




Vulnerable Consumers and the Law


Book Description

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. This book will be suitable for both students and practitioners, and all those with an interest in the justice system.




Consumer Vulnerability


Book Description

This book demonstrates that marketing scholarship has much to contribute to our understanding of consumer vulnerability and potential solutions. It brings to the fore ways in which so‐called vulnerable consumers navigate various marketplace and service interactions and develop specific consumer skills in order to empower themselves in such exchanges. It does so by exploring how consumer vulnerability is experienced across a range of different contexts such as poverty and disability, and the potential impact of vulnerability from childhood to old age. Other chapters extend focus from the consumer to the organisational perspective or consider more macro issues such as socio-spatial disadvantages. The fundamental aim of many of the contributors is to produce work that can benefit individual and societal well-being. They draw on various methodological approaches that generate both marketing management and policy-focused implications. A series of commentaries are also included to stimulate critical reflection and new insights into consumer vulnerability. This book was originally published as a special issue of the Journal of Marketing Management.




Discrimination, Vulnerable Consumers and Financial Inclusion


Book Description

This book addresses the questions of discrimination, vulnerable consumers, and financial inclusion in the light of the emerging legal, socioeconomic, and technological challenges. New technologies – such as artificial intelligence-driven consumer credit risk assessment and Fintech platforms, the changing nature of vulnerability due to the ongoing COVID-19 pandemic, as well as the sophistication of digital technologies, which help circumvent legal barriers and protections – necessitate the continuous study of the existing legal frameworks and measures that are capable of tackling these challenges. Organized in two major parts, the first addresses, from multiple national angles, the idea of a human rights approach to consumer law, in order to replace the mantra of economic efficiency that characterizes financial services with those of human dignity and freedom from discrimination and from debt-induced servitude. The second tackles the challenges posed by increased usage of technology in connection with financial services, which tends to solve, but also creates, additional issues for consumers in general, and for vulnerable groups in particular.




The Vulnerable Consumer


Book Description

Review of Marketing Research pushes the boundaries of marketing—broadening the marketing concept to make the world a better place. Here, leading scholars provide new insights, approaches and directions to set out for research on consumer vulnerabilities.




The Vulnerable Consumer


Book Description

Review of Marketing Research pushes the boundaries of marketing—broadening the marketing concept to make the world a better place. Here, leading scholars provide new insights, approaches and directions to set out for research on consumer vulnerabilities.




Consumer Vulnerability


Book Description

Consumer vulnerability is of growing importance as a research topic for those exploring wellbeing. This book provides space to critically engage with the conditions, contexts and characteristics of consumer vulnerability, which affect how people experience and respond to the marketplace and vice versa. Focussing on substantive, ethical, social and methodological issues, this book brings together key researchers in the field and practitioners who work with vulnerability on a daily basis. Organised into 4 sections, it considers consumer vulnerability and key life stages, health and wellbeing, poverty, and exclusion. Methodologically the chapters draw on qualitative research, employing a variety of methods from interview, to the use of poetry, film and other cultural artefacts. This book will be of interest to marketing and consumer research scholars and students and also to researchers in other disciplines including sociology, public policy and anthropology, and practitioners, policy makers and charitable organisations working with vulnerable groups.




The Yearbook of Consumer Law 2007


Book Description

The Yearbook of Consumer Law provides a valuable outlet for high-quality scholarly work which tracks developments in the consumer law field with a domestic, regional and international dimension.




Reflections on the Protection of 'Vulnerable' Consumers Under EU Law


Book Description

This article seeks to explore the concept of the 'vulnerable' consumer and to reflect on how EU law protects, or fails to protect, such consumers. Section I of the article considers the current situation with regard to the protection of 'vulnerable' consumers under EU law. The section first examines key EU consumer protection instruments to establish how they address the position of 'vulnerable' consumers, before proceeding to review relevant case law of the Court of Justice on this issue. Section II examines in more detail the concept of 'vulnerability' with regard to consumers, and considers the many different causes of vulnerability. This is linked to a discussion of the related concept of the 'average' consumers. The second part of the article reflects on how EU law could better provide protection to disadvantaged or 'vulnerable' consumers. The article concludes that the current 'one size fits all' category of 'vulnerability' found in EU law is inadequate to provide the protection for the many different kinds of disadvantaged consumers who can fall under the general category of 'vulnerable', and that more targeted measures, and a recognition of the diversity of all consumers, would provide greater levels protection.




Researching the Vulnerable


Book Description

This book takes as its starting point the particular considerations and sensitivities of being a researcher faced with a subject group at the margins of society, and explores the ethical, practical, and methodological implications of working with such groups. Author Pranee Liamputtong explores qualitative methods using examples, drawn from around the world, and from the wide variety of contexts that might count as 'researching the vulnerable'. Numerous salient points for the conduct of research within vulnerable groups of people, including ethical and moral issues, are considered, and discussed in the context of sensitive and innovative research methods.