Protecting vulnerable consumers from aggressive commercial practices

The Unfair Commercial Practices Directive has been one of the most significant developments in European Consumer Law. It introduced provisions on aggressive commercial practices for the first time on a European level and provides the key definition of consumer vulnerability in European Consumer Law....

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Main Author: Kaprou, Eleni
Format: Thesis (University of Nottingham only)
Language:English
Published: 2018
Subjects:
Online Access:https://eprints.nottingham.ac.uk/52328/
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author Kaprou, Eleni
author_facet Kaprou, Eleni
author_sort Kaprou, Eleni
building Nottingham Research Data Repository
collection Online Access
description The Unfair Commercial Practices Directive has been one of the most significant developments in European Consumer Law. It introduced provisions on aggressive commercial practices for the first time on a European level and provides the key definition of consumer vulnerability in European Consumer Law. This thesis draws attention to the previously overlooked topics of aggressive commercial practices and vulnerable consumers. It shows that the UCPD fails to ensure a high level of protection from aggressive practices for vulnerable consumers. The main reason for that is that the system of the UCPD which focuses on information and the average consumer is not well suited for aggressive practices and vulnerable consumers, which require a broader consideration of factors. Furthermore, it is argued that the vulnerable consumer standard in the UCPD is too narrow to adequately protect vulnerable consumers. A conceptualisation of consumer vulnerability based on the understanding that vulnerability is universal and can be experienced by anyone is suggested. The aggressive practices provisions are analysed and it is argued that inequality of power is at their core. The aggressive practices provisions suffer from lack of clarity that makes their application difficult. A key problem is that the average consumer is unsuitable for aggressive practices. This can be addressed with the introduction of the concept of resilience to pressure. Finally, it is argued that the use of empirical evidence in interpreting the UCPD can be beneficial for the protection of vulnerable consumers.
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spelling nottingham-523282025-02-28T14:10:02Z https://eprints.nottingham.ac.uk/52328/ Protecting vulnerable consumers from aggressive commercial practices Kaprou, Eleni The Unfair Commercial Practices Directive has been one of the most significant developments in European Consumer Law. It introduced provisions on aggressive commercial practices for the first time on a European level and provides the key definition of consumer vulnerability in European Consumer Law. This thesis draws attention to the previously overlooked topics of aggressive commercial practices and vulnerable consumers. It shows that the UCPD fails to ensure a high level of protection from aggressive practices for vulnerable consumers. The main reason for that is that the system of the UCPD which focuses on information and the average consumer is not well suited for aggressive practices and vulnerable consumers, which require a broader consideration of factors. Furthermore, it is argued that the vulnerable consumer standard in the UCPD is too narrow to adequately protect vulnerable consumers. A conceptualisation of consumer vulnerability based on the understanding that vulnerability is universal and can be experienced by anyone is suggested. The aggressive practices provisions are analysed and it is argued that inequality of power is at their core. The aggressive practices provisions suffer from lack of clarity that makes their application difficult. A key problem is that the average consumer is unsuitable for aggressive practices. This can be addressed with the introduction of the concept of resilience to pressure. Finally, it is argued that the use of empirical evidence in interpreting the UCPD can be beneficial for the protection of vulnerable consumers. 2018-07-18 Thesis (University of Nottingham only) NonPeerReviewed application/pdf en arr https://eprints.nottingham.ac.uk/52328/1/EK%20FINAL%20thesis%2005_06_2017%20e%20theses%20version.pdf Kaprou, Eleni (2018) Protecting vulnerable consumers from aggressive commercial practices. PhD thesis, University of Nottingham. consumer law EU law unfair practices vulnerability
spellingShingle consumer law
EU law
unfair practices
vulnerability
Kaprou, Eleni
Protecting vulnerable consumers from aggressive commercial practices
title Protecting vulnerable consumers from aggressive commercial practices
title_full Protecting vulnerable consumers from aggressive commercial practices
title_fullStr Protecting vulnerable consumers from aggressive commercial practices
title_full_unstemmed Protecting vulnerable consumers from aggressive commercial practices
title_short Protecting vulnerable consumers from aggressive commercial practices
title_sort protecting vulnerable consumers from aggressive commercial practices
topic consumer law
EU law
unfair practices
vulnerability
url https://eprints.nottingham.ac.uk/52328/