The Vulnerable Consumer

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Vulnerable Consumers and the Law

Author : Christine Riefa
Publisher : Routledge
ISBN 13 : 1000209741
Total Pages : 250 pages
Book Rating : 4.0/5 (2 download)

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Book Synopsis Vulnerable Consumers and the Law by : Christine Riefa

Download or read book Vulnerable Consumers and the Law written by Christine Riefa and published by Routledge. This book was released on 2020-10-27 with total page 250 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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

Author : Susan Dunnett
Publisher : Routledge
ISBN 13 : 1351386514
Total Pages : 279 pages
Book Rating : 4.3/5 (513 download)

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Book Synopsis Consumer Vulnerability by : Susan Dunnett

Download or read book Consumer Vulnerability written by Susan Dunnett and published by Routledge. This book was released on 2018-10-18 with total page 279 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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

Author : Cătălin-Gabriel Stănescu
Publisher : Routledge
ISBN 13 : 1000295192
Total Pages : 291 pages
Book Rating : 4.0/5 (2 download)

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Book Synopsis Discrimination, Vulnerable Consumers and Financial Inclusion by : Cătălin-Gabriel Stănescu

Download or read book Discrimination, Vulnerable Consumers and Financial Inclusion written by Cătălin-Gabriel Stănescu and published by Routledge. This book was released on 2020-12-28 with total page 291 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 Yearbook of Consumer Law 2007

Author : Geraint Howells
Publisher : Ashgate Publishing, Ltd.
ISBN 13 : 9780754647331
Total Pages : 480 pages
Book Rating : 4.6/5 (473 download)

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Book Synopsis The Yearbook of Consumer Law 2007 by : Geraint Howells

Download or read book The Yearbook of Consumer Law 2007 written by Geraint Howells and published by Ashgate Publishing, Ltd.. This book was released on 2007 with total page 480 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Consumer Theories of Harm

Author : Paolo Siciliani
Publisher : Bloomsbury Publishing
ISBN 13 : 1509916865
Total Pages : 247 pages
Book Rating : 4.5/5 (99 download)

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Book Synopsis Consumer Theories of Harm by : Paolo Siciliani

Download or read book Consumer Theories of Harm written by Paolo Siciliani and published by Bloomsbury Publishing. This book was released on 2019-09-19 with total page 247 pages. Available in PDF, EPUB and Kindle. Book excerpt: It has long been thought that fairness in European Consumer Law would be achieved by relying on information as a remedy and expecting the average consumer to keep businesses in check by voting with their feet. This monograph argues that the way consumer law operates today promises a lot but does not deliver enough. It struggles to avoid harm being caused to consumers and it struggles to repair the harm after the event. To achieve fairness, solutions need to be found elsewhere. Consumer Theories of Harm offers an alternative model to assess where and how consumer detriment may occur and solutions to prevent it. It shows that a more confident use of economic theory will allow practitioners to demonstrate how a poor standard of professional diligence lies at the heart of consumer harm. The book provides both theoretical and practical examples of how to combine existing law with economic theory to improve case outcomes. The book shows how public enforcers can move beyond the dominant transparency paradigm to an approach where firms have a positive duty to treat consumers fairly and shape their commercial offers in a way that prevents consumers from making mistakes. Over time, this 'fairness-by-design' approach will emerge as the only acceptable way to compete.

Social Marketing in the 21st Century

Author : Alan R. Andreasen
Publisher : SAGE
ISBN 13 : 9781412916349
Total Pages : 284 pages
Book Rating : 4.9/5 (163 download)

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Book Synopsis Social Marketing in the 21st Century by : Alan R. Andreasen

Download or read book Social Marketing in the 21st Century written by Alan R. Andreasen and published by SAGE. This book was released on 2006 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: This text is well-grounded in scholarship, synthesizes a number of streams of thought, and then proposes thought-provoking applications for an existing approach to social and behavioral change through social marketing. It could be used with a number of courses and disciplines. The level of detail, use of various sources and the variety of examples make it appropriate for graduate level studies. It can also serve the social marketing or behavior change practitioner who wishes to enhance or expand his or her field of practice to include "upstream" approaches. - Written by a highly regarded academic in the Social Marketing community. - Encourages Social Marketers to think beyond the "downstream" market of individuals whose behavior they are trying to influence to include the "upstream" market of individuals whose participation is needed to make changes. - Utilizes and synthesizes a number of different strands of scholarship (the evolution of social problems, the science of framing, the process of social change, social marketing history and elements, etc.)

Caring for the Vulnerable: Perspectives in Nursing Theory, Practice, and Research

Author : Mary De Chesnay
Publisher : Jones & Bartlett Learning
ISBN 13 : 076375109X
Total Pages : 607 pages
Book Rating : 4.7/5 (637 download)

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Book Synopsis Caring for the Vulnerable: Perspectives in Nursing Theory, Practice, and Research by : Mary De Chesnay

Download or read book Caring for the Vulnerable: Perspectives in Nursing Theory, Practice, and Research written by Mary De Chesnay and published by Jones & Bartlett Learning. This book was released on 2008 with total page 607 pages. Available in PDF, EPUB and Kindle. Book excerpt: Organized into seven units - concepts, nursing theories, research, practice, programs, teaching-learning and policy - this text offers a broad focus on vulnerability and vulnerable populations in addition to extending nurses' thinking on the theoretical formulations that guide practice. It is a timely and necessary response to the culturally diverse vulnerable populations for whom nurses must provide appropriate and precise care.

Financial Capability and Asset Building in Vulnerable Households

Author : Margaret Sherraden
Publisher : Oxford University Press
ISBN 13 : 0190238577
Total Pages : 473 pages
Book Rating : 4.1/5 (92 download)

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Book Synopsis Financial Capability and Asset Building in Vulnerable Households by : Margaret Sherraden

Download or read book Financial Capability and Asset Building in Vulnerable Households written by Margaret Sherraden and published by Oxford University Press. This book was released on 2018-03-28 with total page 473 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial struggles of American families are headline news. In communities across the nation, families feel the pinch of stagnant and sometimes declining incomes. Many have not recovered from the Great Recession, when millions lost their homes and retirement savings. They are bombarded daily with vexing financial decisions: Which bills to pay? Where to cash checks? How to cover an emergency? How to improve a credit report? How to bank online? How to save for the future? Low- and moderate-income families have few places to turn for guidance on financial matters. Not many can afford to pay a financial advisor to help navigate an increasingly complex financial world. They do their best with advice from family and trusted individuals. Social workers, financial counselors, and human services professionals can help. As "first responders," they assist families and help in finding financial support from public and private sources. But these professionals are too often unprepared to address the full range of financial troubles of ordinary working families. Financial Capability and Asset Building in Vulnerable Households prepares social workers, financial counselors, and other human service professionals for financial practice with vulnerable families. Building on more than 20 years of research, the book sets the stage with key concepts, historical antecedents, and current financial challenges of families in America. It provides knowledge and tools to assist families in pressing financial circumstances, and offers a lifespan perspective of financial capability and environmental influences on financial behaviors and actions. Furthermore, the text details practice principles and skills for direct interventions, as well as for designing financial services and policy innovations. It is an essential resource for preparing the next generation of practitioners who can enable families to achieve economic security and development.

Consumer Policy Toolkit

Author : OECD
Publisher : OECD Publishing
ISBN 13 : 9264079661
Total Pages : 126 pages
Book Rating : 4.2/5 (64 download)

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Book Synopsis Consumer Policy Toolkit by : OECD

Download or read book Consumer Policy Toolkit written by OECD and published by OECD Publishing. This book was released on 2010-07-09 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines how markets have evolved and provides insights for improved consumer policy making. It explores, for the first time, how what we have learned through the study of behavioural economics is changing the way policy makers are addressing problems.

Vulnerable Populations in the United States

Author : Leiyu Shi
Publisher : John Wiley & Sons
ISBN 13 : 1119627672
Total Pages : 336 pages
Book Rating : 4.1/5 (196 download)

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Book Synopsis Vulnerable Populations in the United States by : Leiyu Shi

Download or read book Vulnerable Populations in the United States written by Leiyu Shi and published by John Wiley & Sons. This book was released on 2021-02-10 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: An in-depth look at disparities in health and health care, fully updated for 2021 Vulnerable Populations in the United States, 3rd Edition provides a general framework for studying vulnerable populations and summarizes major health and health care disparities by race/ethnicity, socioeconomic status, and health insurance coverage. This updated contains the latest statistics and figures, incorporates new information related to Healthy People 2020, analyzes the latest data and trends in health and health care disparities, and provides a detailed synthesis of recent and increasingly expansive programs and initiatives to remedy these disparities. In addition, the Third Edition offers new coverage of health care reform, the "deaths of despair" (suicide, opioids, etc.), and the global primary care initiative. Based on the authors' teaching and research at the Johns Hopkins Bloomberg School of Public Health and the Keck School of Medicine of the University of Southern California, this landmark text is an important resource for students, researchers, practitioners, and policymakers for learning about vulnerable populations. The book's Web site includes instructor's materials that may be downloaded. Gain a general understanding of health and health care disparities related to race/ethnicity, socioeconomic status, and health insurance coverage Access online resources including editable PowerPoint slides, video, and more Delve into the programs and initiatives designed to remedy inequalities in health and health care, including Healthy People 2020 updates Enjoy new coverage of health care reform, the "deaths of despair" (suicide, opioids, etc.), and the global primary care initiative End of chapter revision questions and other pedagogical features make this book a valuable learning tool for anyone studying at the advanced undergraduate or graduate levels. Additionally, it will prove useful in the field for medical professionals, social and community workers, and health educators in the public sphere.

Human Rights Issues and Vulnerable Groups

Author : J. Alberto del Real Alcala
Publisher : Bentham Science Publishers
ISBN 13 : 1681085763
Total Pages : 312 pages
Book Rating : 4.6/5 (81 download)

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Book Synopsis Human Rights Issues and Vulnerable Groups by : J. Alberto del Real Alcala

Download or read book Human Rights Issues and Vulnerable Groups written by J. Alberto del Real Alcala and published by Bentham Science Publishers. This book was released on 2017-11-13 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume covers topics related to human rights issues and problems of people who are overwhelmed by hostile situations around them and are subsequently rendered vulnerable. The situations of vulnerability discussed in this book are related to suffering caused by the moral, family, social, economic or political conditions in which the people, and the groups they belong to, live. Readers are guided through a discussion about rights, as an instrument through which civil society and the ‘Rule of Law’ try to curb or even eliminate the suffering of these people. The aim of such efforts is to restore the situation of vulnerable people to a level of normality. Human Rights Issues and Vulnerable Groups presents a discussion of issues surrounding several kinds of vulnerable groups: minorities, children, gender groups, persons with disabilities, migrants, cultural groups, displaced persons, victims of terrorism, linguistic groups, poor people, people in prison and sexual minorities. The book is a detailed reference for graduates and scholars in law, political science, sociology and social psychology. The volume is also recommended for working professionals who operate with human rights groups and general readers (non-experts) who want to understand the discourse about human rights in a holistic (moral, legal, social, economic, and political) framework.

Vulnerable Moments

Author : Martin S. Livingston
Publisher : Jason Aronson
ISBN 13 : 0765703106
Total Pages : 310 pages
Book Rating : 4.7/5 (657 download)

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Book Synopsis Vulnerable Moments by : Martin S. Livingston

Download or read book Vulnerable Moments written by Martin S. Livingston and published by Jason Aronson. This book was released on 2001 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: The word vulnerable means "susceptible to being wounded." People who relinquish their usual characterological defenses open themselves to wounds of many sorts, from peripheral encounters with shame and rejection to direct personal attacks and potentially devastating losses. Still, it is precisely in moments of vulnerability that openness to new experience is possible."--BOOK JACKET.

At Risk

Author : Piers Blaikie
Publisher : Routledge
ISBN 13 : 1134528612
Total Pages : 492 pages
Book Rating : 4.1/5 (345 download)

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Book Synopsis At Risk by : Piers Blaikie

Download or read book At Risk written by Piers Blaikie and published by Routledge. This book was released on 2014-01-21 with total page 492 pages. Available in PDF, EPUB and Kindle. Book excerpt: The term 'natural disaster' is often used to refer to natural events such as earthquakes, hurricanes or floods. However, the phrase 'natural disaster' suggests an uncritical acceptance of a deeply engrained ideological and cultural myth. At Risk questions this myth and argues that extreme natural events are not disasters until a vulnerable group of people is exposed. The updated new edition confronts a further ten years of ever more expensive and deadly disasters and discusses disaster not as an aberration, but as a signal failure of mainstream 'development'. Two analytical models are provided as tools for understanding vulnerability. One links remote and distant 'root causes' to 'unsafe conditions' in a 'progression of vulnerability'. The other uses the concepts of 'access' and 'livelihood' to understand why some households are more vulnerable than others. Examining key natural events and incorporating strategies to create a safer world, this revised edition is an important resource for those involved in the fields of environment and development studies.

Watchdog

Author : Richard Cordray
Publisher : Oxford University Press
ISBN 13 : 0197503012
Total Pages : 305 pages
Book Rating : 4.1/5 (975 download)

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Book Synopsis Watchdog by : Richard Cordray

Download or read book Watchdog written by Richard Cordray and published by Oxford University Press. This book was released on 2020-02-03 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every day across America, consumers face issues with credit cards, mortgages, car loans, and student loans. When they are cheated or mistreated, all too often they hit a brick wall against the financial companies. People are fed up with being run over by big corporations, and few have the resources or expertise to fight back on their own. It is no wonder consumers feel powerless: they are outgunned every step of the way. Since 1970, the financial industry has doubled in size. It is the biggest source of campaign contributions to federal candidates and parties, spending about $1 billion annually on campaigns and another $500 million on lobbying. The four biggest banks each now has more than $1 trillion in assets. Financial products have become a mass of fine print that consumers can hardly even read, let alone understand. Growing problems in the increasingly one-sided finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Sharing the stories of individual consumers, Watchdog shows how the Bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how our system can be reformed by putting government back on the side of the people, to strengthen our families, safeguard the marketplace, and establish a new baseline of fairness in our democratic society.

Open Target

Author : Clark Kent Ervin
Publisher : St. Martin's Press
ISBN 13 : 1250092507
Total Pages : 273 pages
Book Rating : 4.2/5 (5 download)

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Book Synopsis Open Target by : Clark Kent Ervin

Download or read book Open Target written by Clark Kent Ervin and published by St. Martin's Press. This book was released on 2015-08-04 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: Based on his first-hand experiences and observations of how the Department of Homeland Security is failing to make America safe, Ervin shows the real threats we face--from nuclear attack to homegrown terrorism. Pushed out by the White House for refusing to sugarcoat its failures, Ervin candidly discusses the circumstances of his departure. He takes the reader inside the decision-making councils of this newest department of the U.S. government, and shows how his team's prescriptions for urgent change were ignored--leaving the US vulnerable to another terrorist attack.

Access to Justice for Vulnerable and Energy-Poor Consumers

Author : Naomi Creutzfeldt
Publisher : Bloomsbury Publishing
ISBN 13 : 150993944X
Total Pages : 384 pages
Book Rating : 4.5/5 (99 download)

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Book Synopsis Access to Justice for Vulnerable and Energy-Poor Consumers by : Naomi Creutzfeldt

Download or read book Access to Justice for Vulnerable and Energy-Poor Consumers written by Naomi Creutzfeldt and published by Bloomsbury Publishing. This book was released on 2021-07-01 with total page 384 pages. Available in PDF, EPUB and Kindle. Book excerpt: How do ordinary people access justice? This book offers a novel socio-legal approach to access to justice, alternative dispute resolution, vulnerability and energy poverty. It poses an access to justice challenge and rethinks it through a lens that accommodates all affected people, especially those who are currently falling through the system. It raises broader questions about alternative dispute resolution, the need for reform to include more collective approaches, a stronger recognition of the needs of vulnerable people, and a stronger emphasis on delivering social justice. The authors use energy poverty as a site of vulnerability and examine the barriers to justice facing this excluded group. The book assembles the findings of an interdisciplinary research project studying access to justice and its barriers in the UK, Italy, France, Bulgaria and Spain (Catalonia). In-depth interviews with regulators, ombuds, energy companies, third-sector organisations and vulnerable people provide a rich dataset through which to understand the phenomenon. The book provides theoretical and empirical insights which shed new light on these issues and sets out new directions of inquiry for research, policy and practice. It will be of interest to researchers, students and policymakers working on access to justice, consumer vulnerability, energy poverty, and the complex intersection between these fields. The book includes contributions by Cosmo Graham (UK), Sarah Supino and Benedetta Voltaggio (Italy), Marine Cornelis (France), Anais Varo and Enric Bartlett (Catalonia) and Teodora Peneva (Bulgaria).

Vulnerable Groups in Malaysia

Author : Thaatchaayini Kananatu
Publisher : Walter de Gruyter GmbH & Co KG
ISBN 13 : 3110610973
Total Pages : 174 pages
Book Rating : 4.1/5 (16 download)

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Book Synopsis Vulnerable Groups in Malaysia by : Thaatchaayini Kananatu

Download or read book Vulnerable Groups in Malaysia written by Thaatchaayini Kananatu and published by Walter de Gruyter GmbH & Co KG. This book was released on 2020-10-12 with total page 174 pages. Available in PDF, EPUB and Kindle. Book excerpt: Vulnerability is a term that can be studied from different dimensions – the social, legal, economic and political. This book explores these dimensions and captures the vulnerabilities of particular groups in Malaysia – the transgenders, women, children, aboriginal and indigenous people, the rural fisherfolk, the stateless and the economically disempowered. Mirroring the spectrum of »vulnerable groups« defined by the United Nations Global Compact in the 2016 Sustainable Development Goals Report, this book highlights the unique features that portray vulnerabilities – including gender, age, indigeneity, socioeconomic status and ethnicity. The case studies of vulnerable groups in Malaysia – a multicultural, diverse plural Asian state – would be appreciated by both undergraduate and postgraduate students, academics, researchers and policy-makers, keen in Asian Studies and vulnerabilities.