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This book explores the complex interactions between debt and
austerity, analysing the social, economic, and legal implications
of governments’ responses to the 2008 financial crisis. Â
Demonstrating how the nature of debt for those on low incomes has
changed radically over the last decade, the chapters provide
insight into how structural inequality was exacerbated by changes
in the redistributive state, the legal system, and the welfare
system. The examination occurs on a number of levels and these
issues are explored through the lens of power, place, and class.
The authors utilize both international case studies and 'on the
ground' experiences, reviewing the role of high cost credit,
bailiffs, local governments, bankruptcy, and debt advice. Through
the analysis of the nature and structure of debt in specific
countries, it highlights important lessons for a global audience.
 This unique book offers a broad, multi-faceted insight into
the issue of low-income debt which will greatly benefit academics
in law, social policy, geography, and economics. Its focus on
practical steps and potential reforms, as well as contributions
from third sector organizations, will also interest practitioners,
policymakers, and NGOs.
Written by leading academics, this exciting new student-focused
textbook offers readers a comprehensive understanding of Tort Law
and enables them to become confident critical thinkers. Accessible
and thought-provoking, Tort Law combines clear explanations of core
legal principles and recent legal developments with lively
discussions of key academic perspectives. Extended problem
questions, flowcharts and relatable examples help students to
understand how law works in a practical context and prepares them
for success in assignments and exams. Engaging pedagogical boxes,
such as 'Viewpoint' and 'Making Connections', encourage students to
develop their own critical thinking practice and appreciate how
Tort Law interacts with other areas of the core law curriculum.
Comprehensive and student-friendly with engaging visual features,
Tort Law is an essential companion for all undergraduate Tort Law
modules, for students of all abilities. Accompanying online
resources for this title can be found at
bloomsburyonlineresources.com/tort-law. These resources are
designed to support teaching and learning when using this textbook
and are available at no extra cost.
This book analyses the history of the common law foundations of
consumer law, and encourages readers to rethink the role that
consumer law plays in our society. Consumer law is often
constructed as purely statute-based law. However—as this
collection will demonstrate—this is far from the truth. Much of
the history of the common law concerns consumer transactions and
markets. Case law has often established or modified the ground
rules of consumer markets, had a patterning effect on the economic
organisation of markets, and expressed cultural visions of the
market and consumers. An analysis of landmark cases of consumer law
allows many traditional cases to be viewed through a new and
distinct lens, providing significant academic and intellectual
value. The collection also includes a unique socio-legal
perspective, considering the role that consumer law has played in
addressing racial discrimination, LGBTQ challenges and the rights
of women. This collection of landmark cases demonstrates the
theoretical and practical significance of consumer law through a
wide range of contributions by distinguished authors from the
United Kingdom, Europe, the United States and Australia.
This book proposes a new way of thinking about the controversial
and complex challenges associated with the regulation of high-cost
credit, specifically payday lending. These products have received
significant attention in both the media and political arena. The
inadequacy of regulatory interventions has created ongoing problems
with the provision of high-cost credit, particularly for consumers
with lesser bargaining power and who are already financially
vulnerable. The book tackles two specific gaps in the existing
literature. The first involves inadequate analysis of the relevant
philosophical concepts around high-cost credit, which can result in
an over-simplification of what are particularly complex issues. The
second is a lack of engagement in both the market and lived
experience of borrowers, resulting in limited understanding of
those who use these financial products. The Future of High-Cost
Credit explores the theoretical grounding, policy initiatives and
interdisciplinary perspectives associated with high-cost credit,
making a novel and insightful contribution to the existing
literature. The problems with debt extend far beyond the legal
sphere, and the book will therefore be of interest to many other
academic disciplines, as well as for those working in public policy
and 'the third sector'.
This book proposes a new way of thinking about the controversial
and complex challenges associated with the regulation of high-cost
credit, specifically payday lending. These products have received
significant attention in both the media and political arena. The
inadequacy of regulatory interventions has created ongoing problems
with the provision of high-cost credit, particularly for consumers
with lesser bargaining power and who are already financially
vulnerable. The book tackles two specific gaps in the existing
literature. The first involves inadequate analysis of the relevant
philosophical concepts around high-cost credit, which can result in
an over-simplification of what are particularly complex issues. The
second is a lack of engagement in both the market and lived
experience of borrowers, resulting in limited understanding of
those who use these financial products. The Future of High-Cost
Credit explores the theoretical grounding, policy initiatives and
interdisciplinary perspectives associated with high-cost credit,
making a novel and insightful contribution to the existing
literature. The problems with debt extend far beyond the legal
sphere, and the book will therefore be of interest to many other
academic disciplines, as well as for those working in public policy
and ‘the third sector’.
This is a landmark and ambitious research project looking at
private law through the policy prism undertaken by a team of
acknowledged experts in their fields. The majority of existing
literature diminishes the impact of policy in the development of
legal principles, impeding a deeper understanding of it. Part of a
two-part study, this first volume explores tort law, property law
and equity. Both studies engage with modern challenges and
technical developments that now inform private law, with chapters
looking at the Grenfell disaster, compensation of medical injuries
post COVID-19, the gig economy and co-ownership. They also explore
traditional private law areas through a novel lens, such as
psychological injury and the impact of fairness and/or equality
obligations. They highlight the similarities and differences across
many aspects of private law, allowing for a richer analysis across
all the strands of private law.
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