(020) 7242 5778
enquiries@wildy.com

Wildy’s Book News

Book News cover photo

Vol 24 No 11 Nov/Dec 2019

Book of the Month

Cover of Nowaks CCPR Commentary: U.N. International Covenant on Civil and Political Rights

Nowaks CCPR Commentary: U.N. International Covenant on Civil and Political Rights

Price: £240.00

Offers for Newly Called Barristers & Students

Special Discounts for Newly Called & Students

Read More ...


Secondhand & Out of Print

Browse Secondhand Online

Read More...


Consumer Vulnerability and Welfare in Mortgage Contracts


ISBN13: 9781509936939
To be Published: March 2020
Publisher: Hart Publishing
Country of Publication: UK
Format: Paperback (Hardback in 2017)
Price: £30.00
Hardback edition , ISBN13 9781509913398



This book advocates a new way of thinking about mortgage contracts. This claim is based on the assumption that we currently live in a political economy in which consumer debt fulfils a social function. In the field of housing this is evidenced by the expansion of mortgage credit through which consumers are to purchase residential property as a means of social inclusion and personal welfare. It is suggested that contract law needs to adjust to this new social function in order to avoid welfare losses in terms of default, over-indebtedness, and possibly eviction. To this end, this book analyses theoretical contract law frameworks and makes concrete proposals for contract law in the EU legal order.

Subjects:
Contract Law, Consumer Law
Contents:
I. Context
II. Themes and Aims
III. Questions and Structure
1. Theoretical Framework
I. Introduction
II. Duality of Aims in EU Consumer Law
III. Normative Preconceptions
IV. Conclusions
2. Vulnerability to Welfare Losses through Privatisation
I. Introduction
II. Privatisation: Credit versus Welfare
III. Welfare Losses
IV. Vulnerability to Welfare Losses
V. Conclusions
3. Vulnerability in EU Mortgage Contract Law
I. Introduction
II. Vulnerability in EU Mortgage Contract Law
III. Conclusions
4. A Flexible Mortgage Contract Law
I. Introduction
II. Relational Vulnerability
III. Event Vulnerability
IV. Lack of Resilience
V. Conclusions
5. Theoretical Framework Revisited
I. Welfarist EU Mortgage Contract Law?
II. Justice in EU Mortgage Credit Law