People make mistakes with debt, partly because the chance to buy now and pay later tempts them to do things that are not in their long-term interest. Lenders sell credit products that exploit this vulnerability. In this Article, I argue that critiques of these products, particularly those that...

European consumers are increasingly exposed to procedural mechanisms deriving from the EU. They are affected by two proceduralisation phenomena: generic developments within the policy of judicial cooperation in civil matters, and sectoral proceduralisation, which is the main focus of this...

This paper argues that the EU's notion of the “confident consumer” over-emphasises the significance of law, and harmonised law in particular, as an end in itself, without considering properly (i) all the various issues which affect consumer confidence, and (ii) whether the legal rules...

The configuration of consumer law obviously depends on the underlying consumer image. Apparently, there is a strong desire to define ‘the consumer' in a uniform manner, in order to design doctrinal solutions that suit to pay regard to his or her particularities. This article instead suggests...

In this paper I will describe the implementation of the Consumer Rights Directive, or CRD, in The Netherlands. Section 2 will deal with the provisions of the implementing act and the relation between these provisions and other provisions of consumer law. Section 3 will discuss the relationship...