Along came a spider...

I. Right of withdrawal

I.A. Rationale

4.1 (CH) B Stauer, Pacta sunt Servanda and the Right to Withdrawal, 1982.

I.B. Situations in which the consumer enjoys a right of withdrawal

I.B.1. Overview

I.B.2. Objective situations

4.2 (EU) ECJ Case C-423/97, 22 April 1999, Travel-Vac SL v Sanchis, Timeshare at the doorstep. O·H
4.3 (EU) ECJ Case C-229/04, 25 October 2005, Crailsheimer Volksbank eG v Klaus Conrads and Others, Junk Immovables. O·H

I.B.3. Solicited visits

4.4 (ES) Audiencia Provincial (Court of Appeal) Burgos, 26 October 2001, Entidad técnica de distribución X SL v María Cruz SR y Raúl AS, Doorstep course. O

I.C. Regulation and harmonisation of the right of withdrawal

I.C.1. Introduction

4.5 (DE) P. Rott, The Right of Withdrawal in Germany, 2008.

I.C.2. Notification of withdrawal

I.C.2.a. Introduction
I.C.2.b. Content
4.6 (EU) Doorstep Selling Directive, 20 December 1985. O·H
4.7 (EU) Distance Selling of Financial Services Directive , 23 September 2002. O·H
4.8 (DE) Bürgerliches Gesetzbuch (BGB), 18 August 1896. O·H
4.9 (DE) Bundesgerichtshof (BGH), 18 April 2005, Blurry notification. O·H
4.10 (DE) Federal Supreme Court I ZR 55/00, 4 July 2002, Blurry notification 2. O·H
4.11 (EU) The Draft Common Frame of Reference (DCFR), 2009. O·H

I.C.3. Prolongation of the right of withdrawal

4.12 (EU) Distance Selling Directive, 20 May 1997. O·H
4.13 (EU) ECJ Case C-481/99, 13 December 2001, Heiniger v Bayerische Hypo-und Vereinsbank AG, National time limits. O·H
4.14 (EU) The Draft Common Frame of Reference (DCFR), 2009. O·H
4.15 (EU) ECJ Case C-412/06, 10 April 2008, Hamilton v Volksbank Filder, Fully performed contract. O·H
4.16 (FR) Cass civ (Supreme Court) , 7 March 2006, Downward life insurance. O·H

I.C.4. Performance during the period for withdrawal

4.17 (FR) Code de la consommation (Consumer Code). O·H
4.18 (SE) Door-to-door Sales Act 1981, 1981. O

I.C.5. Exercise of the right of withdrawal

4.19 (EU) The Draft Common Frame of Reference , 2009. O·H

I.C.6. Effects of withdrawal

I.C.6.a. General
4.20 (DE) Bürgerliches Gesetzbuch (BGB). O·H
4.21 (EU) ECJ Case C-350/03, 25 October 2005, Elisabeth Schulte and Wolfgang Schulte v Deutsche Bausparkasse Badenia AG , Junk immovables cont'd. O·H
4.22 (EU) The Draft Common Frame of Reference (DCFR), 2009. O·H
I.C.6.b. Compensation for normal use
4.23 (EU) Distance Selling Directive , 20 May 1997. O·H
4.24 (DE) Bürgerliches Gesetzbuch (BGB). O·H
4.25 (AT) OGH, Urteil vom 27.9.2005, 27 September 2005, VKI v W, 43 ½ hours flat screen. O·H

I.C.7. Linked contracts

4.26 (DE) Bürgerliches Gesetzbuch (BGB). O·H
4.27 (EU) ECJ Case C-350/03, 25 October 2005, Elisabeth Schulte and Wolfgang Schulte v Deutsche Bausparkasse Badenia AG, Junk immovables cont'd. O·H

II. Standard terms

4.28 (EU) M Ebers, Unfair Contract Terms Directive (93/13/EEC), 2008.

II.A. Incorporation of standard terms

II.A.1. General requirements

4.29 (DE) Bürgerliches Gesetzbuch (BGB). O·H
4.30 (FR) Cour d'appel (Court of Appeal) Bourges, 4 February 1963, Illegible clauses . O
4.32 (FR) Cass civ 1e, 3 May 1979, Reverse side clauses. O·H
4.32 (UK) High Court, 18 November 1971, Hollier v Rambler Motors, Car on fire. O·H

II.A.2. Standard terms in a foreign language

II.A.3. Surprising or particularly onerous clauses

4.33 (UK) High Court, 17 December 1970, Thornton v Shoe Lane Parking, Car park accident. O·H

II.B. Control of standard terms in individual litigation

II.B.1. Standard terms vs individually negotiated terms

4.34 (DE) Bundesgerichtshofs (BGH), 3 December 1991, Ticking boxes. O

II.B.2. The unfairness test

4.35 (EU) Unfair Contract Terms Directive , 5 April 1993. O·H
4.36 (UK) House of Lords, 25 October 2001, Director-General of Fair Trading v First National Bank plc, Interests and no end. O·H

II.B.3. Black lists, grey lists, indicative lists

4.37 (EU) ECJ Case C-478/99, 7 May 2002, Commission v Sweden, Black, grey or neither?. O·H

II.B.4. Core terms

II.B.4.a. Control of price-related terms
4.38 (UK) House of Lords, 25 October 2001, Director general of fair trading v First national bank plc, Expensive banking. O·H
4.39 (UK) High Court, 20 February 2004, Bairstow Eves London Central Ltd v Stacy Hill and Darlingtons, The impatient estate agent. O·H
II.B.4.b. Insurance contracts
4.40 (EN) High Court, 7 March 2003, Bankers Insurance Company Ltd v South and Gardner, Jet ski accident. O·H
4.41 (DE) Bundesgerichtshof (BGH), 21 April 1993, Stolen treasures. O

II.B.5. Role of the ECJ

4.42 (EU) ECJ Case C-237/02, 27 June 2000, Freiburger Kommunalbauten GmbH Baugesellschaft & Co. KG v Ludger Hofstetter and Ulrike Hofstetter, Payment or nothing?. O·H

II.B.6. Legal consequences of unfairness

II.B.6.a. Ex officio control
4.43 (EU) ECJ Case C-168/05, 26 October 2006, Elisa María Mostaza Claro v Centro Móvil Milenium SL, Disconnected phone. O·H
II.B.6.b. Partly unfair terms
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