청약철회권의 효과에 관한 연구 -신용카드거래를 중심으로-
A Study on the Effect of Cooling-Off -Centering around Credit Card Transaction-
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When consumer withdraw an offer, a business must return the pricy to consumer and consumer also must return the goods. But in transaction of business-consumer-creditor, return of the pricy is not easy because sales contract and credit contract were linked. Therefore, when consumer withdrew an offer, Installment Transaction Act, Door to Door Sale Act and Electronic Commerce Consumer Protection Act should be supplemented so that can be returned the pricy of goods easily that payed a creditor. Firstly, it must be enacted a provision in Installment Transaction Act that a creditor should return consumer the pricy. In the concrete, it should grant consumer a right to request a setoff. Also, a creditor should return consumer the pricy if doesn't setoff without reasonable ground nevertheless consumer's requestion. Secondly, in the Door to Door Sale Act and Electronic Commerce Consumer Protection Act, a consumer can't refuse a creditor's bill even though withdraw an offer. Therefore, to refuse a creditor's bill, a condition must be satisfied that a creditor doesn't setoff without reasonable ground nevertheless consumer's requestion. This is unreasonable because theory, precedent and Legal cases of foreign nations recognize the connection of defence that a consumer could defence a creditor's bill on the ground of a right of defence originated in a sale contract. Accordingly, if consumer gave notice of cooling-off a creditor, should defence a creditor's bill. Also, in case of pay of the price early, a consumer must be granted a right to request a setoff and a creditor should return consumer the pricy if doesn't setoff without reasonable ground nevertheless consumer's requestion. Finally, the Consumer Credit Act must be enacted as soon as possible because many problems coming from credit card transaction can't be settled by means of amendment of several Acts only.
Abstract
When consumer withdraw an offer, a business must return the pricy to consumer and consumer also must return the goods. But in transaction of business-consumer-creditor, return of the pricy is not easy because sales contract and credit contract were linked. Therefore, when consumer withdrew an offer, Installment Transaction Act, Door to Door Sale Act and Electronic Commerce Consumer Protection Act should be supplemented so that can be returned the pricy of goods easily that payed a creditor. Firstly, it must be enacted a provision in Installment Transaction Act that a creditor should return consumer the pricy. In the concrete, it should grant consumer a right to request a setoff. Also, a creditor should return consumer the pricy if doesn't setoff without reasonable ground nevertheless consumer's requestion. Secondly, in the Door to Door Sale Act and Electronic Commerce Consumer Protection Act, a consumer can't refuse a creditor's bill even though withdraw an offer. Therefore, to refuse a creditor's bill, a condition must be satisfied that a creditor doesn't setoff without reasonable ground nevertheless consumer's requestion. This is unreasonable because theory, precedent and Legal cases of foreign nations recognize the connection of defence that a consumer could defence a creditor's bill on the ground of a right of defence originated in a sale contract. Accordingly, if consumer gave notice of cooling-off a creditor, should defence a creditor's bill. Also, in case of pay of the price early, a consumer must be granted a right to request a setoff and a creditor should return consumer the pricy if doesn't setoff without reasonable ground nevertheless consumer's requestion. Finally, the Consumer Credit Act must be enacted as soon as possible because many problems coming from credit card transaction can't be settled by means of amendment of several Acts only.
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