Regulating Unfair Banking Practices in Europe: The Case of Personal Suretyships
Regulating Unfair Banking Practices in Europe: The Case of Personal Suretyships
Cite
Abstract
Private persons often stand surety for a business debt incurred by family members, friends, or employers. These suretyships are commonly banking guarantees contracted by means of standard terms. Sometimes the guarantor signs the contract while he/she is not aware of the financial risk related to the guarantee. He or she may not even know what a suretyship is. But in other circumstances the guarantor may be well aware of the risk, but may nonetheless assume it because of strong emotional ties which exist between him/her and the main debtor. How, then, (if at all) does the law address the potential for ‘unfairness’ in such situations? Some systems choose to rely on objective criteria, such as identification of a manifest disproportion between the guaranteed amount and the surety's income and assets, while others are more open to subjective inquiry. The key point is variation. Different jurisdictions in Europe operate different models with different priorities. This book provides a comparative overview of the remedies against unfair obligations of non-professional guarantors available in twenty-two EU Member States, based on a questionnaire which has been completed by an expert in each particular jurisdiction and covering both legal rules and the economic context of different credit markets and banking practices.
-
Front Matter
-
1
Regulating Unfair Suretyships in Europe: Methodology of a Comparative Study
-
2
Suretyships and Consumer Protection in the European Union through the Glasses of Law and Economics
Klaus Heine andRuth Janal
-
3
Remarks from a Comparative and EU Perspective
-
Country Reports
-
4
Austria
Wolfgang Faber
-
5
Belgium
Vincent Sagaert
-
6
Denmark
Morten M Fogt
-
7
England and Wales
Prof Lorna Fox O'Mahony and others
-
8
Estonia
Irene Kull
-
9
Finland
Tuulikki Mikkola
-
10
France
A-S Barthez and others
-
11
Germany
Peter Rott
-
12
Greece
Yannis Erifillidis
-
13
Hungary
Professor Tibor Tajti
-
14
Ireland
Patrick O'Callaghan andAoife O'Donoghue
-
15
Italy
Francesca Fiorentini
-
16
Latvia
Theis Klauberg
-
17
Lithuania
Andrius Smaliukas andGintautas Šulija
-
18
The Netherlands
Dr Matthias Haentjens
-
19
Poland
Inga Łobocka
-
20
Portugal
Prof Dr Jorge Sinde Monteiro andDr André Dias Pereira
-
21
Romania
Prof Dr Florin Ciutacu
-
22
Scotland
Prof Dr Lesley Jane Smith
-
23
Slovenia
Dr Špelca Mežnar
-
24
Spain
Teresa Rodríguez de las Heras Ballell
-
25
Sweden
Annina H Persson
-
4
Austria
-
End Matter
Sign in
Personal account
- Sign in with email/username & password
- Get email alerts
- Save searches
- Purchase content
- Activate your purchase/trial code
- Add your ORCID iD
Purchase
Our books are available by subscription or purchase to libraries and institutions.
Purchasing informationMonth: | Total Views: |
---|---|
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 6 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 4 |
October 2022 | 5 |
October 2022 | 2 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 1 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 2 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
October 2022 | 3 |
November 2022 | 1 |
November 2022 | 1 |
November 2022 | 2 |
November 2022 | 3 |
November 2022 | 3 |
November 2022 | 1 |
November 2022 | 1 |
November 2022 | 1 |
December 2022 | 1 |
December 2022 | 1 |
December 2022 | 1 |
January 2023 | 1 |
February 2023 | 2 |
February 2023 | 2 |
February 2023 | 2 |
February 2023 | 2 |
February 2023 | 3 |
February 2023 | 2 |
February 2023 | 2 |
February 2023 | 2 |
February 2023 | 2 |
February 2023 | 2 |
February 2023 | 4 |
February 2023 | 4 |
February 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 1 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
March 2023 | 2 |
April 2023 | 1 |
April 2023 | 1 |
May 2023 | 1 |
May 2023 | 1 |
May 2023 | 5 |
June 2023 | 2 |
August 2023 | 2 |
August 2023 | 2 |
August 2023 | 1 |
September 2023 | 1 |
November 2023 | 1 |
December 2023 | 1 |
December 2023 | 1 |
December 2023 | 1 |
December 2023 | 1 |
December 2023 | 1 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 1 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 4 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 4 |
February 2024 | 3 |
February 2024 | 3 |
February 2024 | 3 |
March 2024 | 4 |
March 2024 | 2 |
March 2024 | 2 |
March 2024 | 2 |
March 2024 | 2 |
March 2024 | 2 |
March 2024 | 2 |
March 2024 | 3 |
March 2024 | 2 |
March 2024 | 2 |
March 2024 | 2 |
March 2024 | 2 |
March 2024 | 2 |
March 2024 | 2 |
March 2024 | 2 |
March 2024 | 2 |
March 2024 | 4 |
March 2024 | 2 |
March 2024 | 2 |
April 2024 | 4 |
April 2024 | 2 |
April 2024 | 2 |
April 2024 | 3 |
April 2024 | 2 |
April 2024 | 2 |
April 2024 | 2 |
April 2024 | 4 |
April 2024 | 3 |
April 2024 | 2 |
April 2024 | 2 |
April 2024 | 2 |
April 2024 | 4 |
April 2024 | 4 |
April 2024 | 2 |
April 2024 | 1 |
April 2024 | 2 |
April 2024 | 4 |
April 2024 | 2 |
May 2024 | 2 |
May 2024 | 3 |
May 2024 | 1 |
May 2024 | 1 |
May 2024 | 1 |
May 2024 | 1 |
June 2024 | 2 |
June 2024 | 1 |
June 2024 | 3 |
June 2024 | 1 |
June 2024 | 1 |
June 2024 | 1 |
June 2024 | 1 |
June 2024 | 3 |
June 2024 | 2 |
June 2024 | 2 |
June 2024 | 1 |
June 2024 | 1 |
June 2024 | 2 |
June 2024 | 1 |
June 2024 | 3 |
June 2024 | 1 |
June 2024 | 2 |
June 2024 | 5 |
June 2024 | 3 |
June 2024 | 8 |
June 2024 | 4 |
June 2024 | 9 |
June 2024 | 2 |
June 2024 | 2 |
June 2024 | 3 |
June 2024 | 3 |
June 2024 | 2 |
June 2024 | 2 |
June 2024 | 6 |
June 2024 | 1 |
July 2024 | 3 |
July 2024 | 2 |
July 2024 | 1 |
July 2024 | 2 |
July 2024 | 2 |
July 2024 | 1 |
July 2024 | 2 |
July 2024 | 1 |
July 2024 | 2 |
July 2024 | 2 |
July 2024 | 2 |
July 2024 | 1 |
August 2024 | 1 |
August 2024 | 2 |
August 2024 | 2 |
August 2024 | 1 |
August 2024 | 2 |
August 2024 | 2 |
October 2024 | 2 |
October 2024 | 1 |
October 2024 | 1 |
October 2024 | 1 |
November 2024 | 1 |
November 2024 | 1 |
November 2024 | 1 |
November 2024 | 3 |
November 2024 | 2 |
November 2024 | 3 |
November 2024 | 2 |
November 2024 | 3 |
November 2024 | 4 |
December 2024 | 1 |
December 2024 | 1 |
December 2024 | 1 |
December 2024 | 1 |
January 2025 | 1 |
February 2025 | 1 |
March 2025 | 2 |
March 2025 | 5 |
March 2025 | 3 |
March 2025 | 3 |
March 2025 | 2 |
March 2025 | 1 |
March 2025 | 3 |
March 2025 | 5 |
March 2025 | 2 |
March 2025 | 3 |
March 2025 | 4 |
March 2025 | 2 |
March 2025 | 3 |
March 2025 | 2 |
March 2025 | 2 |
March 2025 | 2 |
March 2025 | 4 |
March 2025 | 2 |
March 2025 | 3 |
March 2025 | 2 |
March 2025 | 3 |
March 2025 | 2 |
March 2025 | 2 |
March 2025 | 2 |
March 2025 | 2 |
March 2025 | 2 |
March 2025 | 3 |
March 2025 | 3 |
March 2025 | 3 |
March 2025 | 3 |
March 2025 | 2 |
April 2025 | 3 |
April 2025 | 2 |
April 2025 | 2 |
April 2025 | 2 |
April 2025 | 4 |
April 2025 | 2 |
April 2025 | 4 |
April 2025 | 2 |
April 2025 | 3 |
April 2025 | 3 |
April 2025 | 2 |
April 2025 | 9 |
April 2025 | 2 |
April 2025 | 3 |
April 2025 | 4 |
April 2025 | 3 |
April 2025 | 2 |
April 2025 | 2 |
April 2025 | 2 |
April 2025 | 2 |
April 2025 | 4 |
Get help with access
Institutional access
Access to content on Oxford Academic is often provided through institutional subscriptions and purchases. If you are a member of an institution with an active account, you may be able to access content in one of the following ways:
IP based access
Typically, access is provided across an institutional network to a range of IP addresses. This authentication occurs automatically, and it is not possible to sign out of an IP authenticated account.
Sign in through your institution
Choose this option to get remote access when outside your institution. Shibboleth/Open Athens technology is used to provide single sign-on between your institution’s website and Oxford Academic.
If your institution is not listed or you cannot sign in to your institution’s website, please contact your librarian or administrator.
Sign in with a library card
Enter your library card number to sign in. If you cannot sign in, please contact your librarian.
Society Members
Society member access to a journal is achieved in one of the following ways:
Sign in through society site
Many societies offer single sign-on between the society website and Oxford Academic. If you see ‘Sign in through society site’ in the sign in pane within a journal:
If you do not have a society account or have forgotten your username or password, please contact your society.
Sign in using a personal account
Some societies use Oxford Academic personal accounts to provide access to their members. See below.
Personal account
A personal account can be used to get email alerts, save searches, purchase content, and activate subscriptions.
Some societies use Oxford Academic personal accounts to provide access to their members.
Viewing your signed in accounts
Click the account icon in the top right to:
Signed in but can't access content
Oxford Academic is home to a wide variety of products. The institutional subscription may not cover the content that you are trying to access. If you believe you should have access to that content, please contact your librarian.
Institutional account management
For librarians and administrators, your personal account also provides access to institutional account management. Here you will find options to view and activate subscriptions, manage institutional settings and access options, access usage statistics, and more.