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Consumers should not be treated as creditors in the event of bankruptcy, views Kaj Turunen (PS), the chairperson of the Parliament's Commerce Committee.
Consumers should not be treated as creditors in the event of bankruptcy, views Kaj Turunen (PS), the chairperson of the Parliament's Commerce Committee.

The Parliament will begin drawing up revisions to the Bankruptcy Act and the Consumer Protection Act to remedy the shortcomings brought to light by the bankruptcy of Anttila, promises Kaj Turunen (PS), the chairperson of the Parliament's Commerce Committee.

The Commerce Committee is responsible for matters dealing with consumer protection.

“I believe the issue is so important that the necessary legislative changes should be launched by the Commerce Committee in early September,” Turunen says in a press release.

Turunen estimates that two features of the legislation are particularly in need of immediate revision. The legislation, he writes, should guarantee that customers are treated equally irrespective of their method of payment and that customers are not treated as creditors in the event of bankruptcy. Currently, customers who used a credit card to pay for their order may be eligible for compensation from their card issuer in the event of bankruptcy, whereas customers who used a debit card or online banking credentials to pay for their order may not be compensated for undelivered orders.

“Many low-income people are not even granted credit cards and instead use their online banking credentials [to shop online]. It is unreasonable if the premise of the legislation is that these people are at a disadvantage,” writes Turunen.

He also estimates that consumers are unlikely to be aware of the risks associated with online shopping.

“No one is under the impression that they are granting a loan when placing an order with a company. Consumers cannot be required to have knowledge of the economic situation of the company they placed their order with. Consumers should be in a priority position in relation to creditors,” he argues.

Aleksi Teivainen – HT
Photo: Petteri Paalasmaa – Uusi Suomi
Source: Uusi Suomi

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