Services Standards: Defining the Core Consumer Elements ... - ANEC

Hans-W. Micklitz
a) Affordability, minimum content, safety, quality, payment
Consumer
contract law
on services
Transport
Financial
services
Network
services for
customers
(electricity,
gas,
telecommun
ication,
postal
services
Services
such as
contracts
with liberal
professions
and
craftsmen
Affordability
Consumer
credit 344 ?
Energy
prices,
telephone
tariffs 345 ;
Postal
services
prices must
be
affordable 346
Minimum
content
through
contract
terms
Mandatory
information
requirements
are often
directly linked
to the content
of the
contract
Mandatory
minimum
standards for
nonprofessional
clients 347
Mandatory
information
requirements
as part of
contract 348
Mandatory
information
requirements
are often
directly linked
to the content
of the
contract
344 The principle is enshrined in the second proposal of the European Commission which aims
at amending the consumer credit directive, COM (2005) 483 final, the question relates to
the possible effects of scoring under which the poor pay more, see in this context the
European Coalition for Responsible Lending, http://www.responsible-credit.net/.
345 See on the existence of such a principle Rott, European Review of Contract Law, 2005,
323.
346 Article 12 first indent Directive 2002/39/EC on financial instruments.
347 Article 19 (7) of Directive 2004/39/EC on financial instruments.
348 Directive 2003/54/EC on electricity and 2003/55/EC on gas, Annex A a), although b) to g)
are also linked to the content of the contract.
116