상조서비스와 소비자보호에 관한 연구-상조서비스 표준약관을 중심으로-
A Study on the Mutual Aid Service and Consumer Protection - centering around the Mutual Aid Service Standard Adhesion Contracts -
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Along with fast development of mutual aid service industry, consumer damages also are increasing rapidly. One of main cause of consumer damages is due to an unfairness agreement. Therefore, the Fair Trade Commission established the mutual aid service standard adhesion agreement to prevent consumer damages by use of unfair agreement. But the mutual aid service standard adhesion agreement must be amended as soon as possible because there is insufficient in consumer protection in agreement's specific substance. Talk briefly and to the point, as following. Firstly, a business' a duty to offer informations must be added in making a contract. Secondly, Cooling-Off will have to be applied in all mutual aid service contracts. Thirdly, a provision that allows to pay additional cost must be rescinded. Also, it is desirable that a provision paying a lump-sum payment when a business performed a contract would be replaced with a provision paying in installments continually. Fourthly, the money that must be refunded by a business has to decided via total amount paid and interest. Also, when a consumer rescinds since maturity, sum total payed must be refunded. Fifthly, a business' causes attributable have to be excluded in occurrence of consumer's right of rescission by business' default. Finally, the competent court will have to be decided via consumer's address or dwelling place.
Abstract
Along with fast development of mutual aid service industry, consumer damages also are increasing rapidly. One of main cause of consumer damages is due to an unfairness agreement. Therefore, the Fair Trade Commission established the mutual aid service standard adhesion agreement to prevent consumer damages by use of unfair agreement. But the mutual aid service standard adhesion agreement must be amended as soon as possible because there is insufficient in consumer protection in agreement's specific substance. Talk briefly and to the point, as following. Firstly, a business' a duty to offer informations must be added in making a contract. Secondly, Cooling-Off will have to be applied in all mutual aid service contracts. Thirdly, a provision that allows to pay additional cost must be rescinded. Also, it is desirable that a provision paying a lump-sum payment when a business performed a contract would be replaced with a provision paying in installments continually. Fourthly, the money that must be refunded by a business has to decided via total amount paid and interest. Also, when a consumer rescinds since maturity, sum total payed must be refunded. Fifthly, a business' causes attributable have to be excluded in occurrence of consumer's right of rescission by business' default. Finally, the competent court will have to be decided via consumer's address or dwelling place.
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