O prirodi i poreklu potrošačke ranjivosti

Abstract

Autor u žižu svog istraživanja u ovom radu postavlja potrošačku ranjivost, ukazujući na to da, zavisno od konkretnih okolnosti, svaki potrošač može postati ranjiv. Određenom potrošaču može zatrebati posebna zaštita zato što pripada rizičnoj grupi, ali i zato što se našao u rizičnoj situaciji. Ranjivost može nastati u vezi sa zaključenjem ugovora, tokom ispunjenja i prilikom prestanka ugovora. Iz tih razloga, svoj međuzaključak da su svi potrošači ranjivi u širem smislu, s tim što su neki potrošači ranjiviji od drugih (ranjivi u užem smislu), autor koriguje tako da zaključak glasi: 1) svi potrošači su po definiciji ranjivi (ranjivost u širem smislu) i 2) svi potrošači mogu da budu naročito ranjivi i u tom slučaju zaslužuju posebnu zaštitu (ranjivost u užem smislu), s tim što su neki potrošači, po pravilu, naročito ranjivi, a drugi samo ponekad i u posebnim okolnostima.

A consumer that is on a regular basis reasonably well-informed, and reasonably observant and circumspect may be affected by vulnerability in a particular situation. The author strongly believes that in the area of consumer protection, the abstract notion of vulnerable consumer should be introduced, in addition to the average consumer, as a legal standard of equal importance. The fundamental relation of consumer law, business-to-consumer (B2C), has been upgraded with a complex business-to-vulnerable consumer relationship (B2VC). Public authorities, in particular, have to take this fact into account when interpreting and applying consumer law so that a higher level of protection is guaranteed to vulnerable consumers. If protection of the consumer, as the weaker contractual party, is a significant step in the eternal development of good faith principles, then guaranteeing special protection to vulnerable consumers should be the next crucial move forward in the evolution of good faith principles.