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Author: Consumer blog

Towards a true European Market for retail financial services

In December 2015 the Commission commenced a comprehensive consultation on steps to take to create ‘true European market for retail financial services’. Stakeholders, including consumers are invited give their views on the ways to improve choice, transparency and competition in retail financial products and services, and ways to facilitate the cross-border provision of these products and...

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Transparency of energy offers

Yesterday we reported about the Commission’s study on vulnerability, which, among other things, called for more transparency, so that consumers could easier compare offers and make choices. This week also the BEUC reported on the need for more transparency in one consumer sector – energy.   BEUC, EUROGAS and EURELECTRIC issued a joint statement urging energy suppliers to simplify their...

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Consumer vulnerability study published by the Commission

Yesterday the Commission published a study examining the incidence of consumer vulnerability across the EU28 and Iceland and Norway. It identifies the main reasons behind this vulnerability and what can be done about it. A special focus is on the challenges consumers face in the online environment, as well as in the finance and energy sectors. Many consumers show some signs of...

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A missed opportunity? CJEU judgment in Case C-49/14 (Finanmadrid)

Today the Court of Justice of the European Union delivered its judgment in Case C-49/14 (Finanmadrid). We have reported earlier on AG Szpunar’s opinion in this case. The questions referred for a preliminary ruling gave the CJEU an opportunity to clarify the relation between the general principles of effectiveness and equivalence in EU law and Article 47 of the EU Charter of Fundamental Rights, which safeguards the right to effective judicial...

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ODR-Platform online

The Online Dispute Resolution (ODR) platform is now available online.   The platform serves as a single contact point to direct consumers and traders to available dispute resolution bodies for consumer disputes in all EU countries. The availability of such bodies is a must following the implementation of the ADR Directive. Given that some countries are delayed with a view to the...

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Conference and publication on consumer ADR and ODR

The Centre for Socio-Legal Studies of the University of Oxford will hold the Fourth Annual Civil Justice Conference on ADR and ODR on 18-20 April 2016. The conference programme is organized around three themes: implementation (of the ADR Directive); trust (in ombudsman); justice (the potential of consumer ADR to deliver justice). The full provisional programme is available here, and the link...

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AG Szpunar’s opinion in case C-421/14 (Banco Primus)

Enforcement proceedings and unfairness continued: AG Szpunar in Case C-421/14 (Banco Primus) In yet another case following a preliminary reference from a Spanish court, Advocate-General Szpunar has delivered an opinion about the implications of Directive 93/13 for the ex officio assessment of unfair contract terms. The most important feature of this case is the fact that an ex...

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