- •Commercial Law
- •Contents
- •Preface
- •Abbreviations
- •Table of Statutory Provisions
- •Table of Cases
- •1 Introduction
- •1 Introduction
- •2 What is agency?
- •3 Nature and characteristics of agency
- •4 The different types of agency
- •5 Conclusion
- •6 Recommended reading
- •1 Introduction
- •2 The authority of an agent
- •3 Agency by ratification
- •4 Agency of necessity
- •5 Conclusion
- •6 Recommended reading
- •1 Introduction
- •2 Duties of an agent
- •3 Rights of an agent
- •4 Commercial agents and principals
- •5 Disclosed agency
- •6 Undisclosed agency
- •7 Termination of agency
- •8 Recommended reading
- •Introduction
- •1 Introduction
- •2 Background
- •3 Development of the sale of goods
- •4 Equality of bargaining power: non-consumers and consumers
- •5 Impact of the European Union
- •6 Contract of sale
- •7 Contracts for non-monetary consideration
- •8 Contracts for the transfer of property or possession
- •9 Recommended reading
- •1 Introduction
- •2 Background
- •3 Sale of Goods Act 1979, section 12: the right to sell
- •4 Sale of Goods Act 1979, section 13: compliance with description
- •5 Sale of Goods Act 1979, section 14(2): satisfactory quality
- •6 Sale of Goods Act 1979, section 14(3): fitness for purpose
- •7 Sale of Goods Act 1979, section 15: sale by sample
- •8 Exclusion and limitation of liability
- •9 Acceptance
- •10 Remedies
- •11 Recommended reading
- •1 Introduction
- •2 Background to the passage of property and risk
- •3 Rules governing the passage of property
- •4 Passage of risk
- •5 The nemo dat exceptions
- •6 Delivery and payment
- •7 Remedies
- •8 Recommended reading
- •1 Introduction
- •2 Background
- •3 Provision of Services Regulations 2009
- •4 Supply of Goods and Services Act 1982
- •5 Recommended reading
- •1 Introduction
- •2 Background
- •3 Electronic Commerce (EC Directive) Regulations 2002
- •4 Distance selling
- •5 Recommended reading
- •Introduction
- •1 Introduction
- •2 CIF contracts
- •3 FOB contracts
- •4 Ex Works
- •5 FAS contracts
- •6 Conclusion
- •7 Recommended reading
- •1 Introduction and background
- •2 Structure and scope
- •3 UNIDROIT Principles of International Commercial Contracts
- •4 Conclusion
- •5 Recommended reading
- •1 Introduction and background
- •2 Open account
- •3 Bills of exchange
- •4 Documentary collections
- •5 Introduction to letters of credit
- •6 Factoring
- •7 Forfaiting
- •8 Conclusion
- •9 Recommended reading
- •1 Introduction
- •2 Hague and Hague-Visby Rules
- •3 Charterparties
- •4 Time charterparty
- •5 Common law obligations of the shipper
- •6 Common law obligations of the carrier
- •7 Bills of lading
- •8 Electronic bills of lading
- •9 Conclusion
- •10 Recommended reading
- •Introduction
- •1 Introduction
- •2 Background
- •3 Development of negligence
- •4 The move to strict liability
- •5 Types of defect
- •6 Developments in strict liability
- •7 Recommended reading
- •1 Introduction
- •2 Personnel
- •3 Meaning of ‘product’
- •4 Defectiveness
- •5 Defences
- •6 Contributory negligence
- •7 Recoverable damage
- •8 Limitations on liability
- •9 Recommended reading
- •Introduction
- •1 Introduction
- •2 Background
- •3 Enforcement strategy
- •4 Criminal law controls
- •5 Civil law enforcement
- •6 Recommended reading
- •1 Introduction
- •2 Scope of the 2008 Regulations
- •3 Prohibition against unfair commercial practices
- •4 Codes of practice
- •5 Misleading actions
- •6 Misleading omissions
- •7 Aggressive commercial practices
- •8 Commercial practices which are automatically unfair
- •9 Offences
- •10 Recommended reading
- •1 Introduction
- •2 Background
- •3 Controls over misleading advertising
- •4 Comparative advertising
- •5 Promotion of misleading or comparative advertising
- •6 Recommended reading
- •1 Introduction
- •1 Introduction
- •2 History of banking regulation: early policy initiatives
- •3 New Labour and a new policy
- •4 The Financial Services Authority
- •5 The Coalition government
- •6 Conclusion
- •7 Recommended reading
- •1 Introduction
- •2 What is a bank?
- •3 What is a customer?
- •4 Bank accounts
- •5 Cheques
- •6 Payment cards
- •7 Banker’s duty of confidentiality
- •8 Banking Conduct Regime
- •9 Payment Services Regulations 2009
- •10 Conclusion
- •11 Recommended reading
- •1 Introduction
- •2 European banking regulation
- •3 The Financial Services Authority
- •4 Financial Services Compensation Scheme
- •5 Financial Ombudsman Scheme
- •6 Financial Services and Markets Tribunal
- •7 The Bank of England
- •8 Bank insolvency
- •9 Illicit finance
- •10 Conclusion
- •11 Recommended reading
- •1 Introduction
- •1 Introduction
- •2 Evolution of the consumer credit market
- •3 Consumer debt, financial exclusion and over-indebtedness
- •4 Irresponsible lending
- •5 Regulation of irresponsible lending
- •6 Irresponsible borrowing
- •7 Ineffective legislative protection for consumers
- •8 A change of policy
- •9 Lessons from the United States
- •10 Conclusion
- •11 Recommended reading
- •1 Introduction
- •2 Crowther Committee on Consumer Credit
- •3 Consumer Credit Act 1974
- •4 Formalities
- •5 Cancellation of agreements
- •7 Documentation of credit and hire agreements
- •8 Matters arising during the currency of credit or hire agreements
- •9 Credit advertising
- •10 Credit licensing
- •11 Unfairness test
- •12 Other powers of the court
- •13 Financial Ombudsman Service
- •14 Enforcement
- •15 Consumer Credit Directive
- •16 Conclusion
- •17 Recommended reading
- •Bibliography
- •Index
348 |
|
Policy on unfair commercial practices |
|
|
|
|
|
|
|
and publish |
a corrective statement if necessary.61 A breach of an injunction is, of |
|
course, a contempt of court and can be punished as such. |
||
|
|
(ii)â Undertakings |
|
|
|
A less dramatic step, when an enforcement authority considers that there has |
|
|
|
been or is likely to be a breach of regulations 3, 4 or 5, is to accept an undertak- |
|
|
|
ing under regulation 16 from the person concerned or likely to be concerned. |
|
|
|
Such an undertaking would state that the person concerned will comply with |
|
|
|
the Regulations in the future. If the trader subsequently breaches the undertak- |
|
|
|
ing, the enforcement authority can seek an injunction instead, and if the trader |
|
|
|
fails to comply with the injunction, he could be prosecuted for contempt of |
|
|
|
court, which could result in imprisonment. |
|
|
|
Q7 Consider the use of injunctions and undertakings as a means of enforcing |
|
|
|
the Business Protection from Misleading Marketing Regulations 2008. |
6â Recommended reading
De Groote, B. and De Vulder, K. ‘European framework for unfair commercial practices:
|
analysis of Directive 2005/29’ (2007) Journal of Business Law 16 |
|
Department of Trade and Industry The Unfair Commercial Practices |
Directive, |
|
|
Consultation on a Draft EU Directive, COM(2003)356 (London, 2002) |
|
â |
The Unfair Commercial Practices (UCP) Directive, Consultation on |
Framing |
|
and Enforcing Criminal Sanctions in the Regulations implementing the Unfair |
|
|
Commercial Practices Directive (London, 2006) |
|
â |
Implementation of the Unfair Commercial Practices Directive, Consultation on the |
|
|
Draft Consumer Protection from Unfair Trading Regulations 2007 (London, 2007) |
Dobson, P. and Stokes, R. Commercial Law (7th edn, Sweet & Maxwell Ltd, London, 2008)
Griffiths, M. ‘Unfair commercial practices: a new regime’ (2007) 12 Communications Law 194
Griffiths, M. and Griffiths, I. Law for Purchasing and Supply (3rd edn, Pearson Education Ltd, Harlow, 2002)
Johnson, H. ‘Advertisers beware! The impact of the Unfair Commercial Practices Directive’ (2005) 10 Communications Law 164
Ramsay, I. Consumer Law and Policy: Text and Materials on Regulating Consumer Markets (2nd edn, Hart Publishing, Oxford, 2007)
Shears, P. ‘Overviewing the EU Unfair Commercial Practices Directive: Concentric circles’ (2007) 18 European Business Law Review 781
Stuyck, J., Terryn, E., and Van Dyck, T. ‘Confidence through fairness? The new Directive on Unfair Business-to-Consumer Commercial Practices in the internal market’ (2007) 43 Common Market Law Review 107
Twigg-Flesner, C. ‘Deep impact? The EC Directive on Unfair Commercial Practices and Domestic Consumer Law’ (2005) 121 Law Quarterly Review 386
61 BPMM Regulations 2008, reg. 18.
349 |
6â Recommended reading |
|
|
The passage of the Unfair Commercial Practices Directive was one of the major current developments in commercial law and, as such, has attracted a lot of academic comment. Given that the Directive has been adopted almost verbatim into the Consumer Protection from Unfair Trading Regulations 2008, readers may benefit from reading articles about the Directive and the Regulations drawn from the list above.
Part 5 Chapter 2
The Consumer Protection from Unfair Trading Regulations 2008
Contents |
|
|
1â |
Introduction |
350 |
2â Scope of the 2008 Regulations |
351 |
|
3â Prohibition against unfair commercial practices |
357 |
|
4â |
Codes of practice |
360 |
5â |
Misleading actions |
362 |
6â |
Misleading omissions |
372 |
7â |
Aggressive commercial practices |
375 |
8â Commercial practices which are automatically unfair |
379 |
|
9â |
Offences |
391 |
10â |
Recommended reading |
392 |
|
|
|
1â Introduction
This chapter analyses the provisions of the Consumer Protection from Unfair Trading Regulations 2008 and the new, comprehensive regime of controls that have been put in place to protect consumers from unfair and unscrupulous activities by traders. The Regulations replace many of the pre-existing provisions while also extending protection in other areas
Section 2 considers the scope of the Regulations, including what constitutes a commercial practice, the meaning of consumers and which transactions are covered by the Regulations.
Section 3 analyses the prohibition against unfair commercial practices and the criminal offence created for breaches of that regulation, and section 4 deals with the prohibition against code owners using codes of conduct to promote unfair commercial activities.
Section 5 examines the controls over misleading actions that have replaced and extended the law in this area, including the definition of a misleading action, and the regulation 5(4) factors.
Section 6 deals with the issue of misleading omissions to prevent traders from misleading consumers by omitting or hiding material information. Section 7