- •Commercial Law
- •Contents
- •Preface
- •Abbreviations
- •Table of Statutory Provisions
- •Table of Cases
- •1 Introduction
- •1 Introduction
- •2 What is agency?
- •3 Nature and characteristics of agency
- •4 The different types of agency
- •5 Conclusion
- •6 Recommended reading
- •1 Introduction
- •2 The authority of an agent
- •3 Agency by ratification
- •4 Agency of necessity
- •5 Conclusion
- •6 Recommended reading
- •1 Introduction
- •2 Duties of an agent
- •3 Rights of an agent
- •4 Commercial agents and principals
- •5 Disclosed agency
- •6 Undisclosed agency
- •7 Termination of agency
- •8 Recommended reading
- •Introduction
- •1 Introduction
- •2 Background
- •3 Development of the sale of goods
- •4 Equality of bargaining power: non-consumers and consumers
- •5 Impact of the European Union
- •6 Contract of sale
- •7 Contracts for non-monetary consideration
- •8 Contracts for the transfer of property or possession
- •9 Recommended reading
- •1 Introduction
- •2 Background
- •3 Sale of Goods Act 1979, section 12: the right to sell
- •4 Sale of Goods Act 1979, section 13: compliance with description
- •5 Sale of Goods Act 1979, section 14(2): satisfactory quality
- •6 Sale of Goods Act 1979, section 14(3): fitness for purpose
- •7 Sale of Goods Act 1979, section 15: sale by sample
- •8 Exclusion and limitation of liability
- •9 Acceptance
- •10 Remedies
- •11 Recommended reading
- •1 Introduction
- •2 Background to the passage of property and risk
- •3 Rules governing the passage of property
- •4 Passage of risk
- •5 The nemo dat exceptions
- •6 Delivery and payment
- •7 Remedies
- •8 Recommended reading
- •1 Introduction
- •2 Background
- •3 Provision of Services Regulations 2009
- •4 Supply of Goods and Services Act 1982
- •5 Recommended reading
- •1 Introduction
- •2 Background
- •3 Electronic Commerce (EC Directive) Regulations 2002
- •4 Distance selling
- •5 Recommended reading
- •Introduction
- •1 Introduction
- •2 CIF contracts
- •3 FOB contracts
- •4 Ex Works
- •5 FAS contracts
- •6 Conclusion
- •7 Recommended reading
- •1 Introduction and background
- •2 Structure and scope
- •3 UNIDROIT Principles of International Commercial Contracts
- •4 Conclusion
- •5 Recommended reading
- •1 Introduction and background
- •2 Open account
- •3 Bills of exchange
- •4 Documentary collections
- •5 Introduction to letters of credit
- •6 Factoring
- •7 Forfaiting
- •8 Conclusion
- •9 Recommended reading
- •1 Introduction
- •2 Hague and Hague-Visby Rules
- •3 Charterparties
- •4 Time charterparty
- •5 Common law obligations of the shipper
- •6 Common law obligations of the carrier
- •7 Bills of lading
- •8 Electronic bills of lading
- •9 Conclusion
- •10 Recommended reading
- •Introduction
- •1 Introduction
- •2 Background
- •3 Development of negligence
- •4 The move to strict liability
- •5 Types of defect
- •6 Developments in strict liability
- •7 Recommended reading
- •1 Introduction
- •2 Personnel
- •3 Meaning of ‘product’
- •4 Defectiveness
- •5 Defences
- •6 Contributory negligence
- •7 Recoverable damage
- •8 Limitations on liability
- •9 Recommended reading
- •Introduction
- •1 Introduction
- •2 Background
- •3 Enforcement strategy
- •4 Criminal law controls
- •5 Civil law enforcement
- •6 Recommended reading
- •1 Introduction
- •2 Scope of the 2008 Regulations
- •3 Prohibition against unfair commercial practices
- •4 Codes of practice
- •5 Misleading actions
- •6 Misleading omissions
- •7 Aggressive commercial practices
- •8 Commercial practices which are automatically unfair
- •9 Offences
- •10 Recommended reading
- •1 Introduction
- •2 Background
- •3 Controls over misleading advertising
- •4 Comparative advertising
- •5 Promotion of misleading or comparative advertising
- •6 Recommended reading
- •1 Introduction
- •1 Introduction
- •2 History of banking regulation: early policy initiatives
- •3 New Labour and a new policy
- •4 The Financial Services Authority
- •5 The Coalition government
- •6 Conclusion
- •7 Recommended reading
- •1 Introduction
- •2 What is a bank?
- •3 What is a customer?
- •4 Bank accounts
- •5 Cheques
- •6 Payment cards
- •7 Banker’s duty of confidentiality
- •8 Banking Conduct Regime
- •9 Payment Services Regulations 2009
- •10 Conclusion
- •11 Recommended reading
- •1 Introduction
- •2 European banking regulation
- •3 The Financial Services Authority
- •4 Financial Services Compensation Scheme
- •5 Financial Ombudsman Scheme
- •6 Financial Services and Markets Tribunal
- •7 The Bank of England
- •8 Bank insolvency
- •9 Illicit finance
- •10 Conclusion
- •11 Recommended reading
- •1 Introduction
- •1 Introduction
- •2 Evolution of the consumer credit market
- •3 Consumer debt, financial exclusion and over-indebtedness
- •4 Irresponsible lending
- •5 Regulation of irresponsible lending
- •6 Irresponsible borrowing
- •7 Ineffective legislative protection for consumers
- •8 A change of policy
- •9 Lessons from the United States
- •10 Conclusion
- •11 Recommended reading
- •1 Introduction
- •2 Crowther Committee on Consumer Credit
- •3 Consumer Credit Act 1974
- •4 Formalities
- •5 Cancellation of agreements
- •7 Documentation of credit and hire agreements
- •8 Matters arising during the currency of credit or hire agreements
- •9 Credit advertising
- •10 Credit licensing
- •11 Unfairness test
- •12 Other powers of the court
- •13 Financial Ombudsman Service
- •14 Enforcement
- •15 Consumer Credit Directive
- •16 Conclusion
- •17 Recommended reading
- •Bibliography
- •Index
143 8â Recommended reading
Q11 Analyse whether the remedies available to the seller and buyer provide appropriate protection for both parties in the event of a breach of contract.
8â Recommended reading
Atiyah, P.S., Adams, J.N. and MacQueen, H. The Sale of Goods (11th edn, Pearson Education Ltd, Harlow, 2005)
Bradgate, R. Commercial Law (3rd edn, Oxford University Press, Oxford, 2000) Bridge, M. The Sale of Goods (Oxford University Press, Oxford, 1997)
European Commission Proposal for a Directive of the European Parliament and the Council on consumer rights COM(2008)614 final (Brussels, 2008)
Dobson, P. and Stokes, R. Commercial Law (7th edn, Sweet & Maxwell, London, 2008) Griffiths, M. and Griffiths, I. Law for Purchasing and Supply (3rd edn, Pearson Education
Ltd, Harlow, 2002)
Macleod, J. Consumer Sales Law (2nd edn, Routledge-Cavendish, Abingdon, 2007) Mark, M. Chalmers Sale of Goods (18th edn, Butterworths, London, 1981)
Sealy, L.S. and Hooley, R.J.A. Commercial Law: Text, Cases and Materials (4th edn, Oxford University Press, Oxford, 2009)
The passage of title, together with delivery and payment, are central to smooth progress of sale of goods contracts. All major textbooks that include sections on the sale of goods will discuss this topic and readers can gain a broader understanding of the issue by reading the relevant section from a selection of the standard texts listed above.
Part 2 Chapter 4
The Supply of Goods and Services
Contents
1â |
Introduction |
144 |
2â |
Background |
145 |
3â Provision of Services Regulations 2009 |
146 |
|
4â Supply of Goods and Services Act 1982 |
154 |
|
5â |
Recommended reading |
164 |
1â Introduction
This chapter considers the provision of services by traders to both businesses and consumers. It looks at the information that must be provided to potential recipients of services and also the current statutory controls over the quality and fitness for purpose of services provided under a contract.
Section 2 looks at the background to the provision of services and the ambit and limitations to contracts for services.
Section 3 looks in detail at the Provision of Services Regulations 2009 which stipulate what information must be provided to potential recipients of services and the requirement for a suitable complaints system to be established, including authorisation schemes; the provision of information to service recipients; the definition of ‘service’; the definition of ‘provider’ and ‘recipient’; Part 2 of the 2009 Regulations; the information that must be provided under regulation 8; information to be provided on request; information regarding dispute resolution; complaints; and enforcement.
Section 4 looks in detail at the provisions of the Supply of Goods and Services Act 1982 incorporating the current implied conditions and terms relating to the provision of contracts for goods and services, including implied conditions under Part I of the 1982 Act; the common law approach; the implied terms regarding care and skill, time for performance and consideration; exclusion of liability; and Codes of Practice.
145 |
2â Background |
|
|
2â Background
By comparison with contracts for the sale of goods, statutory controls over contracts for the provision of services are a relatively recent phenomenon. The statutory implied terms and conditions date from the Supply of Goods and Services Act 1982, passed some ninety years after those relating to goods entered the statute book. More recently, the Provision of Services Regulations 20091 were enacted, giving effect to the EU Services Directive.2 This requires the providers of services to provide specified information, including contact details, to prospective purchasers prior to the provision of the services. Further, they must provide a suitable complaints system through which purchasers can make legitimate complaints.
Contracts for services include a wide variety of potential services both for business purchasers and consumer purchasers. On the commercial front, this would, for example, include contracts for the provision and maintenance of IT services or the provision of ongoing legal services or commercial insurance. By contrast, for a consumer purchaser, it would include tourist services, hairdressing and estate agents. Naturally, there is potential overlap in the type of services provided to both business purchasers and consumers, e.g, insurance, legal services and transport, with the distinction being not the type of service provided but the scale of it.
One of the essential difficulties in legislating for the provision of services is the wide variety of contracts that might legitimately be termed contracts for the supply of a service. Contracts may be for services in which there are no tangible goods involved, or, alternatively, they can relate to the provision of a service where some goods will change hands as a result of the contract. Thus, the former includes services such as medical services, legal services, financial services and insurance. The latter includes those contracts for works and materials where there is a predominant service element but where the consumer also acquires some goods. This would include, for example, an artist painting a portrait, a double glazing contract and a garage repairing a car. In all of these contracts the consumer acquires goods: the portrait, the central heating system and the car parts used to repair the vehicle. Nonetheless, these contracts are essentially about the provision of the service element of the contract by the supplier. There is no hard and fast rule about when such a contract will be classed as a service contract or merely one for the supply of goods. It depends on the facts of the case and the substance of the contract as to which is the dominant aspect of the agreement.3
1SI 2009/2999.
2Directive 2006/123 EEC of the European Parliament and the Council of 12 December 2006 on services in the internal market.
3See Robinson v. Graves [1935] 1 KB 579, CA, in which the painting of a picture was held to be a service and not a sale of goods; contra Lee v. Griffin (1861) 1 B & S 272, where the supply of false teeth was held to be a sale of goods.