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Specific questions of consumer protection connected with information duty in Czech law

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Selucká M., Šťavíková Řezníčková I., Loutocký P.
The Lawyer Quarterly
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2018
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vol. 8
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issue 4
469-485
EN
The text is focused primarily on the concept of informed consumers in the Czech law. We do not aim to cover exhaustively the whole field. The main target of the article is to introduce specific questions which are connected to such a topic. In the beginning we primarily introduce general characteristics of the informed consumer, then we analyse pre-contractual information obligation and the demands focused on the transparency. As the position of the consumer is weaker than the position of the entrepreneur, misleading commercial practices and unfair contract terms are examined as well. The text is then focused on sector specific rules, such as in the area of financial services and on the aspects of the digital consumer. Throughout the text, some problematic aspects of Czech regulation or inappropriate implementation of European legislation are mentioned as well. The aim of the article is to introduce national specifics within abovementioned areas and to analyse relevant questions of consumer protection connected with information duty of the entrepreneurs.
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Spotřebitelské modely v evropském a českém právu s ohledem na smluvněprávní spory

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Simon R.
Právník. Teoretický časopis pro otázky státu a práva (The Lawyer - Scientific Review for Problems of State and Law)
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2018
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vol. 157
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issue 5
385-406
EN
The consumer should be the focus of consumer protection legislation. Nevertheless, the explanatory memorandums of the national consumer protection acts, do not seem much concerned with trying to picture the consumer. Even the European legislator did not create his own consumer images or concepts. The consumer images were crystallised by the CJEU distinguishing between different concepts according to the specific legal field of a given consumer dispute. In contractual law cases, the CJEU aims to counterbalance the synallagmatic obligations of the parties, expecially regarding standard pre formulated contracts and long-term contracual obligations. In these types of case law, the CJEU assumes the position of a consumer in a weak position vis-à-vis the seller or supplier instead of the "average" or "reasonable" consumer. The CJEU proposes positive actions to eliminate disproportionate or unfair contractual clauses, and his expectations of consumer abilities are lower than in unfair competition cases. Compared with CJEU case law, in Czech case law the concept of the cosumer in generally rudimentary, and does not differentiate according to legal area. The characteristic feature of the visible Czech consumer concept is demonstrably stricter expectations of consumer attention in the field of contract law than those of the CJEU. The Czech courts require that the consumer - also regarding contractual relations - is a self-confident, active market citizen. This higher level of expectations by the Czech courts leads to an unjustifiably stricker consumer policy at variance with the CJEU concept. Trying to develop national consumer concepts by national judges is met with many difficulties, some general recommendations could be made on the judicial application of consumer images. This article first defines the concept of consumer images and shows which consumer concepts are used by European secondary law (1). Next, the paper distinguishes between the different and non-transposable consumer models for unfair competition and contract law cases created by the CJEU, with reference to anomalous Czech case law in the field of contract law (2). Finally, the article highlights the main problems in applying cosumer concepts and recommends specific techniques for national judges to enable them to create robust and practicable consumer images (3).
CS
Spotřebitel stojí ve středu zájmu spotřebitelské legislativy. Je proto také logicky předmětem ochrany této úpravy. Představa zákonodárce o spotřebiteli nejen determinuje podobu konkrétních právních norem, ale vyvažuje současně svobodu podnikatelské činnosti a legitimní nároky spotřebitele. Takzvané Verbraucherleitbild nebo consumer concepts, images naplňují definici spotřebitele obsahem. Otázkou zůstává, jaký je tento spotřebitel, jemuž má být ochrana poskytnuta. Národní zákonodárci zřídka konkretizují, který spotřebitelský model "jejich" zákon reflektuje, a národní soudy bývají při definování aplikovaného spotřebitelského modelu zdrženlivé. S ohledem na chybějící konkretizaci spotřebitelského modelu v České republice přestavuje tento článek známé evropské spotřebitelské modely a zkoumá, které z nich odráží česká judikatura. Článek nejprve definuje koncept spotřebitelských modelů a ukazuje, které z nich uznává unijní sekundární právo (1). Následně jsou představeny spotřebitelské modely v judikatuře Soudního dvora Evropské unie s odkazem na českou judikaturu v oblasti smluvního práva (2). V závěru článek uvádí problematiku určení spotřebitelského modelu a následně se pokouší doporučit konkrétní aplikační techniky pro národní zákonodárce a soudce při naplňování spotřebitelského modelu (3).
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