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1、CONSUMERSALESLAWTheLawRelatingtoConsumerSalesandFinancingofGoodsJohnMacleod,PhD,LLBBarrister,ProfessorofLaw,UniversityofLiverpoolCPCavendishPublishingLimitedLondon•SydneyFirstpublishedinGreatBritain2002byCavendishPublishingLimited,TheGlassHouse,WhartonStreet,LondonWC1X9P
2、X,UnitedKingdomTelephone:+44(0)2072788000Facsimile:+44(0)2072788080Email:info@cavendishpublishing.comWebsite:www.cavendishpublishing.com©Macleod,JK2002Allrightsreserved.Nopartofthispublicationmaybereproduced,storedinaretrievalsystem,ortransmitted,inanyformorbyanymeans,el
3、ectronic,mechanical,photocopying,recording,scanningorotherwise,exceptunderthetermsoftheCopyrightsDesignsandPatentsAct1988orunderthetermsofalicenceissuedbytheCopyrightLicensingAgency,90TottenhamCourtRoad,LondonW1P9HE,UK,withoutthepriorpermissioninwritingofthepublisher.Bri
4、tishLibraryCataloguinginPublicationDataMacleod,JK(JohnKeith)Consumersaleslaw1Consumerprotection–lawandlegislation–GreatBritainITitle343.4'1'071ISBN1859417000PrintedandboundinGreatBritainPREFACESincethepublicationofthefirstedition(1989)byButterworths,perhapsthesinglemosti
5、mportantchangeinthisareaofthelawhasbeenapracticalone:themethodsoffinancingconsumersuppliesofgoodshaslargelybeenreducedtotwoforms:(a)Directfinancing,wheretheindividualtransactionissetupbydirectcontactbetweenthefinancierandconsumer,thefinanciercontractingtosupplythegoodsto
6、theconsumer.Thisisthetraditionalformula,normallyusedforitemsofhighunitvalue,suchasmotorvehicles.(b)Loanfinancing,wherethefinanciersetsupaloancontractwiththeconsumer,whichtheconsumerthenusestoobtaingoodsfromaretailer.Thisiscommonlydonebywayofapersonalloanorcreditcardandis
7、typicallyusedforitemsofsmallerunitvalue.Thus,loanfinancinghasalmostsupplantedindirectfinancing(blockdiscounting),whichhasbeenlargelyconfinedtospecialistfactoringbusinessesandexcisedfromthiswork.Tothisextent,thefinancedsupplyofgoodshasbeensimplified.Whetherthesupplyofgood
8、sbefinancedornot,perhapsthemostsignificantpost-1989changeshavebeenthese.First,thedivergenceinlegaltreat
