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irresponsible consumers and health August 30, 2010

Posted by Bradley in : consumers , add a comment The EU Parliament is concerned about health literacy (or a lack of it) in the EU. One of the issues the Parliament has focused on is doctors' communications about prescription medicines. But it seems that parents may be quite (surprisingly) cavalier in their attitudes to giving over-the-counter medicines to their children. Although the study was carried out in Australia the authors seem to think this problem is more general.

Buy Cialis Online Cheap June 2, 2010

Posted by Bradley in : consumers , comments closed

As the UK Parliament begins to consider changing the law relating to libel as a result of the introduction of Lord Lester's Bill Buy cialis online cheap, last week, the Court of Appeal holds that in a claim for malicious falsehood (as opposed to a claim for libel) a statement that is capable of more than one meaning is not subject to a rule that it has only one right meaning. Lord Justice Sedley stated:

...On the judge's unchallenged findings, köpa rabatterade cialis, Buy cialis online without prescription, the meanings which reasonable consumers might put on Asda's health-food packaging include both the damaging and the innocuous. Why should the law not move on to proof of malice in relation to the damaging meaning and (if malice is proved) the consequential damage without artificially pruning the facts so as to presume the very thing – a single meaning - that the judge has found not to be the case, ordering cialis online legally. Acheter en ligne cialis, I do not accept that doing this will make trials of malicious falsehood claims unwieldy or over-complex. This is not because these claims are always tried by a judge alone: the experience of common law judges is that juries are on the whole very good at assimilating and applying sometimes complicated directions, generic cialis. Comprar en línea cialis, It is because it makes the trial of the issues fairer and more realistic. Instead of (as here) denying any remedy to a claimant whose business has been injured in the eyes of some consumers on the illogical ground that it has not been injured in the eyes of others, California CA Calif. , Colorado CO Colo. , or alternatively ... giving such a claimant a clear run to judgment when in the eyes of many customers the words have done it no harm, kjøpe cialis online, Cheap cialis, trial of plural meanings permits the damaging effect of the words to be put in perspective and both malice and (if it comes to it) damage to be more realistically gauged.

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Order Levitra February 4, 2010

Posted by Bradley in : consumers , comments closed

The OFT has announced a new market study:

Order levitra, The OFT would welcome views and evidence on when and how contracts cause problems for consumers or firms. It will be contacting key parties directly, Washington WA Wash. , Georgia GA Ga. , including Government departments and consumer bodies. Others who wish to make a submission should visit www.oft.gov.uk/consumer-contracts or email consumercontracts@oft.gsi.gov.uk.
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Buy Levitra C.o.d. January 20, 2010

Posted by Bradley in : consumers , comments closed

John Harris has a better way of showing disapproval of the fact that UK taxpayers are subsidising bank bonuses than Billy Bragg (at least his solution is legal):

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Order Soma Without Prescription December 3, 2009

Posted by Bradley in : consumers , comments closed

piggy bank Order soma without prescription, I'm working on a paper on consultation at the moment. The paper really focuses on consultation in the context of transnational standard-setting, order soma, Cheap soma tablets, but I'm also looking at consultation in the domestic context as well. My initial starting point was that there is much more coherence in the structure and uses of consultation domestically than transnationally (and this may in fact be so in the US under the APA) but variations in consultation practice in the UK seem to shake this up a bit, order soma no prescription. Kaufen soma, This week the UK's BIS has published two new consultations: one on provision of financial services via post offices and the other on the role and powers of the Consumer Advocate. The post office consultation has a dedicated web page, Utah UT , Acheter soma discount, which has a cute picture of a piggy bank (above), and a short video, order soma online without prescription, Billig soma apotek, and states:

We want to hear about the financial services you would like to see at your local Post Office

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Order Aricept Without Prescription November 16, 2009

Posted by Bradley in : consumers , comments closed

We just had an announcement that our faculty and staff assistance program is holding a seminar on credit cards where the speaker will apparently:

review ways to responsibly maximize the use of credit cards.
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Buy Aricept Without Prescription October 20, 2009

Posted by Bradley in : consumers , comments closed

The UK Government is congratulating itself on having reduced the numbers of the unbanked (although the report Buy aricept without prescription, points out that some of the "improvement" results from recharacterizing the status of some survey respondents (people who did not state whether they had a bank account had been treated as being unbanked and are now not so treated)). Order aricept c.o.d., The press release makes it sound as though people who open a bank account get a whole range of automatic benefits. But that isn't exactly what the report says, aricept sale. Massachusetts MA Mass. , Poorer people who need to control carefully the expenditure of small amounts of money may not have access to some of the ways in which wealthier people save money (such as by using direct debit). This is sort of obvious, West Virginia WV W.Va. . For example:

In December 2008 the Taskforce published a report on direct debit energy payments, buy aricept without prescription. Aricept prescription, We found significant risks to promoting monthly direct debit payments to low-income households, which often manage their money on a weekly basis, aricept generic. Washington WA Wash. , Our report also noted that direct payments do not provide households with the same control over their energy consumption and payments as pre-payment meters. Since then, where to buy aricept, Buy cheap aricept, a report by the Creative Environments Network found that “[fuel]rationing behaviour and being in debt with fuel suppliers were closely related to a household’s financial behaviour”.. This work suggests that it may be unrealistic to expect low income households to take advantage of discounts available for monthly direct payments, köpa aricept. Koop korting aricept, Government and service providers may therefore need to consider new ways to reduce transaction charges for more frequent bill payments by poorer households.

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eu funding for consumer organizations July 9, 2009

Posted by Bradley in : consumers , comments closed The EU's Executive Agency for Health and Consumers (EAHC) has issued a call for applications for funding for consumer organizations:
Financial support may be awarded towards the functioning of two types of European organisations: - those which have as their primary objectives and activities the promotion and protection of the health, safety and economic interests of consumers in the Community... - those which have as their primary objectives and activities to represent consumer interests in the standardisation process at Community level...

befriending consumers July 3, 2009

Posted by Bradley in : consumers , comments closed As people are finding it harder to be consumers, everyone wants to (seem to) be nice to them: the US Treasury published a bill to establish a Consumer Financial Protection Agency, the UK published a Consumer White Paper (A Better Deal for Consumers), and the EU Commission published a Communication which adopted a "consumer enforcement package" to strengthen EU-wide enforcement of consumer rules. The FSA announced that the new Chairman of the Financial Services Consumer Panel is to be Adam Phillips, who has been the Vice Chair. The previous Chair, Lord Lipsey, apparently thought the Panel should be more aggressive than did others at the FSA. I'm not sure how much of a champion of consumer rights Adam Phillips is - he is in the business of market research after all - but the Panel has been quite active in the last 6 months or so (under Phillips' leadership) and has pushed the FSA to take consumer interests seriously.

guardian highlights new fsa failing June 19, 2009

Posted by Bradley in : consumers , comments closed Much of the investor education movement involves information provided by firms who hope to make money out of customers by seeming to be friendly to their needs. The Guardian's disclosures about the FSA's moneymadeclear website ("helping you with your money") today perhaps suggest the UK needs a consumer protection regulator as much as the US does:
The FSA's site, Moneymadeclear, was set up to provide easy-to-understand and independent information and tools to help consumers learn about financial products. While the site offers purpose-built tools to help people compare mortgages and savings accounts, the only link for comparison sites on its cards and loans page is to LendersCompared.org.uk, which is paid for by the largest home credit companies in the UK.... The cheapest rate Guardian Money could find quoted on the LendersCompared site was in excess of 120% APR, while the most expensive – a £100 home collected loan from CLC Finance repaid in 15 instalments of £10 a week – has an APR of 1,303.2% APR.