The Politics Of Consumer Credit In The Uk 1938 1992

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The Politics of Consumer Credit in the UK, 1938-1992

Stuart Aveyard,Paul Corthorn,Sean O'Connell
The Politics of Consumer Credit in the UK 1938 1992 Book PDF

Author : Stuart Aveyard,Paul Corthorn,Sean O'Connell
Publisher : Oxford University Press
Page : 224 pages
File Size : 55,6 Mb
Release : 2018-08-30
Category : History
ISBN : 9780191046100

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The Politics of Consumer Credit in the UK, 1938-1992 by Stuart Aveyard,Paul Corthorn,Sean O'Connell Pdf

As early as the 1930s, Britain had a highly innovative and profitable mortgage sector that promoted a major extension in home ownership. These controversial and risky offerings had an equivalent in numerous hire purchase agreements, with which new homes were furnished. Such developments were forerunners of the 'easy credit' regime more commonly associated with the 1980s. Taking a long-term perspective on this issue indicates that Britain's departure from European models of consumer credit markets was not simply a by-product of neoliberalism's influence on the Thatcher administration, and this book offers a much fuller explanation to the phenomenon. It explores debates within and between the major political parties; reveals the infighting amongst civil service departments over management of consumer demand; charts the varying degrees of influence wielded by the Bank of England and finance capital, as opposed to that of consumer durable manufacturers; reviews the perspectives of consumers and their representatives; and explains the role of contingency and path dependency in these historical events. The central focus of this book is on consumer credit, but this subject provides a case study through which to explore numerous other important areas of British history. These include debates on the issues of post-war consensus, the impact of rising home ownership and its impact on consumer credit and personal finance markets, the management of consumer society, political responses to affluence, the development of consumer protection policy, and the influence of neoliberalism.

Changing Consumer Law in the United Kingdom after Brexit?

Katharina Steinbrück
Changing Consumer Law in the United Kingdom after Brexit Book PDF

Author : Katharina Steinbrück
Publisher : Nomos Verlag
Page : 428 pages
File Size : 45,7 Mb
Release : 2021-06-14
Category : Law
ISBN : 9783748926559

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Changing Consumer Law in the United Kingdom after Brexit? by Katharina Steinbrück Pdf

Dem britischen Gesetzgeber eröffnen sich durch den weitgehenden Wegfall von Bindung an EU-Recht im Verbraucherrecht neue regulatorische Möglichkeiten. Dieses Werk widmet sich der Frage, ob Normen des bisher von der EU bestimmten Verbraucherkredit- und AGB-Rechts beibehalten oder geändert werden sollten. Eine historische Analyse beantwortet die Frage, inwieweit EU-Recht in der Vergangenheit durch das Vereinigte Königreich gestaltet und rezipiert wurde. Auf Grundlage einer umfassenden rechtsvergleichenden Betrachtung wird zudem analysiert, ob alternative europäische Kooperationsmodelle mehr regulatorischen Freiraum bieten und die (Nicht-) Umsetzung von Verbraucherrecht als Vorbild für neue Regulierung im Vereinigten Königreich dienen könnte.

The Neoliberal Age?

Aled Davies,Ben Jackson,Florence Sutcliffe-Braithwaite
The Neoliberal Age Book PDF

Author : Aled Davies,Ben Jackson,Florence Sutcliffe-Braithwaite
Publisher : UCL Press
Page : 396 pages
File Size : 49,9 Mb
Release : 2021-12-07
Category : History
ISBN : 9781787356856

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The Neoliberal Age? by Aled Davies,Ben Jackson,Florence Sutcliffe-Braithwaite Pdf

The late twentieth and early twenty-first centuries are commonly characterised as an age of ‘neoliberalism’ in which individualism, competition, free markets and privatisation came to dominate Britain’s politics, economy and society. This historical framing has proven highly controversial, within both academia and contemporary political and public debate. Standard accounts of neoliberalism generally focus on the influence of political ideas in reshaping British politics; according to this narrative, neoliberalism was a right-wing ideology, peddled by political economists, think-tanks and politicians from the 1930s onwards, which finally triumphed in the 1970s and 1980s. The Neoliberal Age? suggests this narrative is too simplistic. Where the standard story sees neoliberalism as right-wing, this book points to some left-wing origins, too; where the standard story emphasises the agency of think-tanks and politicians, this book shows that other actors from the business world were also highly significant. Where the standard story can suggest that neoliberalism transformed subjectivities and social lives, this book illuminates other forces which helped make Britain more individualistic in the late twentieth century. The analysis thus takes neoliberalism seriously but also shows that it cannot be the only explanatory framework for understanding contemporary Britain. The book showcases cutting-edge research, making it useful to researchers and students, as well as to those interested in understanding the forces that have shaped our recent past.

Are We Rich Yet?

Amy Edwards
Are We Rich Yet Book PDF

Author : Amy Edwards
Publisher : Univ of California Press
Page : 383 pages
File Size : 54,7 Mb
Release : 2022-06-14
Category : Business & Economics
ISBN : 9780520385467

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Are We Rich Yet? by Amy Edwards Pdf

'A wonderful growth' : investment culture from 1840 to 1980 -- Over the counter : speculation and the small investor -- Shopping for shares: The rise of financial consumerism -- 'The moneymen's Sunday sermon': the making of a mass-market financial advice industry -- Yuppies : finance and investment in popular culture -- Are we rich yet? : investment clubs and investor activism.

Sexuality and Consumption

Mario Keller,Johann Karl Kirchknopf,Oliver Kühschelm,Karin Moser,Stefan Ossmann
Sexuality and Consumption Book PDF

Author : Mario Keller,Johann Karl Kirchknopf,Oliver Kühschelm,Karin Moser,Stefan Ossmann
Publisher : Walter de Gruyter GmbH & Co KG
Page : 247 pages
File Size : 51,5 Mb
Release : 2022-08-01
Category : Business & Economics
ISBN : 9783110747676

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Sexuality and Consumption by Mario Keller,Johann Karl Kirchknopf,Oliver Kühschelm,Karin Moser,Stefan Ossmann Pdf

In western societies today, it goes almost without saying that sex and consumption are closely related. On the one hand, there is a plethora of commercial goods and services that shape sexual desires, and practices. On the other, there are scarcely any products or services that do not lend themselves to sexually charged advertising and mass media communication. This volume focuses on forms of hybridization of these equally suggestive notions.

Outsourcing in the UK

Janice Morphet
Outsourcing in the UK Book PDF

Author : Janice Morphet
Publisher : Policy Press
Page : 258 pages
File Size : 42,6 Mb
Release : 2021-04-15
Category : Political Science
ISBN : 9781529209624

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Outsourcing in the UK by Janice Morphet Pdf

In this comprehensive account, Janice Morphet analyses the role and use of outsourcing within the UK public sector since the mid-1970s. Morphet examines the many drivers for the use of outsourcing in the public sector, including international agreements, new public management, performativity and austerity. She also takes in to account the role and failures of the private sector and its response to the opening up of public sector competition. By investigating the way that outsourcing has been used in different service sectors and across scales, the book illustrates the impact it has had on ideology, policy narratives and public expectations in the present.

Plastic Capitalism

Sean H Vanatta
Plastic Capitalism Book PDF

Author : Sean H Vanatta
Publisher : Yale University Press
Page : 412 pages
File Size : 52,5 Mb
Release : 2024-05-21
Category : Business & Economics
ISBN : 9780300247343

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Plastic Capitalism by Sean H Vanatta Pdf

How bankers created the modern consumer credit economy and destroyed financial stability in the process American households are awash in expensive credit card debt. But where did all this debt come from? In this history of the rise of postwar American finance, Sean H. Vanatta shows how bankers created our credit card economy and, with it, the indebted nation we know today. America's consumer debt machine was not inevitable. In the years after World War II, state and federal regulations ensured that many Americans enjoyed safe banks and inexpensive credit. Bankers, though, grew restless amid restrictive rules that made profits scarce. They experimented with new services and new technologies. They settled on credit cards, and in the 1960s mailed out reams of high-interest plastic to build a debt industry from scratch. In the 1960s and '70s consumers fought back, using federal and state policy to make credit cards safer and more affordable. But bankers found ways to work around local rules. Beginning in 1980, Citibank and its peers relocated their card plans to South Dakota and Delaware, states with the weakest consumer regulations, creating "on-shore" financial havens and drawing consumers into an exploitative credit economy over which they had little control. We live in the world these bankers made.

Governing Financialization

Jack Copley
Governing Financialization Book PDF

Author : Jack Copley
Publisher : Oxford University Press
Page : 202 pages
File Size : 50,9 Mb
Release : 2022
Category : Political Science
ISBN : 9780192897015

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Governing Financialization by Jack Copley Pdf

Capitalism has become 'financialized'. Since the 1970s, the swelling of financial markets and asset price bubbles has occurred alongside weaker underlying economic growth. Yet financialization was not a spontaneous market development - it was deeply political. States fuelled this process through policies of financial liberalization, and the British state lies at the heart of the story. Britain's radical financial liberalizations in the 1970s and 1980s were instrumental in creating a financialized global economic order in which the City of London emerged as a central hub. But why did the British state propel financialization? The conventional wisdom points to the lobbying power of financial elites and the strength of neoliberal ideology. However, Governing Financialization offers an alternative explanation through an in-depth exploration of declassified state archives. By examining key financial liberalizations in the 1970s and 1980s - including the notorious 'Big Bang' - this book argues that these policies were not part of an intentional scheme to create a new finance-led economic model. Instead, they were designed to address immediate governing dilemmas related to the grinding 'stagflation' crisis and its aftershocks. In this era, British governments found themselves trapped between global competitive pressures to enforce painful domestic adjustment and national political pressures to maintain existing living standards. Financial liberalization was pursued in a trial-and-error manner to navigate this dilemma. By unleashing financial markets, the state hoped to either postpone the worst effects of the crisis, or enact tough economic restructuring in an arm's-length fashion. Financialization was an accidental outcome, not an intentional result.

Enoch Powell

Paul Corthorn
Enoch Powell Book PDF

Author : Paul Corthorn
Publisher : Oxford University Press
Page : 250 pages
File Size : 52,5 Mb
Release : 2022-07-28
Category : Great Britain
ISBN : 9780198747154

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Enoch Powell by Paul Corthorn Pdf

Best known for his notorious 'Rivers of Blood' speech in 1968 and his outspoken opposition to immigration, Enoch Powell was one of the most controversial figures in British political life in the second half of the twentieth century and a formative influence on what came to be known as Thatcherism. Telling the story of Powell's political life from the 1950s onwards, Paul Corthorn's intellectual biography goes beyond a fixation on the 'Rivers of Blood' speech to bring us a man who thought deeply about - and often took highly unusual (and sometimes apparently contradictory) positions on - the central political debates of the post-1945 era: denying the existence of the Cold War (at one stage going so far as to advocate the idea of an alliance with the Soviet Union); advocating free-market economics long before it was fashionable, while remaining a staunch defender of the idea of a National Health Service; vehemently opposing British membership of the European Economic Community; arguing for the closer integration of Northern Ireland with the rest of the UK; and in the 1980s supporting the campaign for unilateral nuclear disarmament. In the process, Powell emerges as more than just a deeply divisive figure but as a seminal political intellectual of his time. Paying particular attention to the revealing inconsistencies in Powell's thought and the significant ways in which his thinking changed over time, Corthorn argues that Powell's diverse campaigns can nonetheless still be understood as a coherent whole, if viewed as part of a long-running, and wide-ranging, debate set against the backdrop of the long-term decline in Britain's international, military, and economic position in the decades after 1945.

The Making of Consumer Law and Policy in Europe

Hans-W Micklitz
The Making of Consumer Law and Policy in Europe Book PDF

Author : Hans-W Micklitz
Publisher : Bloomsbury Publishing
Page : 432 pages
File Size : 42,5 Mb
Release : 2021-11-04
Category : Law
ISBN : 9781509944859

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The Making of Consumer Law and Policy in Europe by Hans-W Micklitz Pdf

This book analyses the founding years of consumer law and consumer policy in Europe. It combines two dimensions: the making of national consumer law and the making of European consumer law, and how both are intertwined. The chapters on Germany, Italy, the Nordic countries and the United Kingdom serve to explain the economic and the political background which led to different legal and policy approaches in the then old Member States from the 1960s onwards. The chapter on Poland adds a different layer, the one of a former socialist country with its own consumer law and how joining the EU affected consumer law at the national level. The making of European consumer law started in the 1970s rather cautiously, but gradually the European Commission took an ever stronger position in promoting not only European consumer law but also in supporting the building of the European Consumer Organisation (BEUC), the umbrella organisation of the national consumer bodies. The book unites the early protagonists who were involved in the making of consumer law in Europe: Guido Alpa, Ludwig Krämer, Ewa Letowska, Hans-W Micklitz, Klaus Tonner, Iain Ramsay, and Thomas Wilhelmsson, supported by the younger generation Aneta Wiewiórowska Domagalska, Mateusz Grochowski, and Koen Docter, who reconstructs the history of BEUC. Niklas Olsen and Thomas Roethe analyse the construction of this policy field from a historical and sociological perspective. This book offers a unique opportunity to understand a legal and political field, that of consumer law and policy, which plays a fundamental role in our contemporary societies.

Contractual Relations

David Campbell
Contractual Relations Book PDF

Author : David Campbell
Publisher : Oxford University Press
Page : 465 pages
File Size : 48,6 Mb
Release : 2022-09-29
Category : Contracts
ISBN : 9780198855156

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Contractual Relations by David Campbell Pdf

Written by one of the leading contributors to the relational theory of contract, Contractual Relations authoritatively explains the form of the existing law of contract by relating it to its economic, legal, and sociological foundations. This volume demonstrates that economic exchange and legal contract rest on a moral relationship by which each party legitimately pursues its self-interest through recognition of the self-interest of the author. This essential relationship of mutual recognition is in stark contrast to the pursuit of solipsistic self-interest that is central to the classical law of contract. Self-interest of this sort is not morally defensible, nor does it enhance economic welfare. It is for these reasons that the classical law is legally incoherent. The fundamental inadequacies of the classical law's treatment of agreement, consideration, and remedy have emerged as the doctrines of the positive law of contract have been progressively developed to give effect to the relationship of mutual recognition. The welfarist criticism of the classical law has, however, failed to develop a workable concept of self-interest, and so is at odds with what must be retained from the classical law's facilitation of economic exchange and the market economy. The relational law of contract restates self-interest in a morally, economically, and legally attractive manner as the foundation of the social market economy of liberal socialism. Contractual Relations is a fundamental critique of the classical law of contract and the welfarist response to the classical law, and an important statement of the relational theory of contract. This is a thoughtful and essential work for academics and research students in law, economics, and sociology.

The Development of Consumer Credit in Global Perspective

J. Logemann
The Development of Consumer Credit in Global Perspective Book PDF

Author : J. Logemann
Publisher : Springer
Page : 295 pages
File Size : 44,9 Mb
Release : 2012-07-16
Category : History
ISBN : 9781137062079

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The Development of Consumer Credit in Global Perspective by J. Logemann Pdf

This volume brings together historians, economists, political scientists, and anthropologists to present a global perspective on the new forms of lending and borrowing that have become a key feature of twentieth-century mass consumer societies, emphasizing comparative and transnational historical perspectives.

The Regulation of Consumer Credit

Sarah Brown
The Regulation of Consumer Credit Book PDF

Author : Sarah Brown
Publisher : Edward Elgar Publishing
Page : 256 pages
File Size : 42,6 Mb
Release : 2019
Category : Law
ISBN : 9781784712495

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The Regulation of Consumer Credit by Sarah Brown Pdf

This incisive book gives a comprehensive overview of the regulation of consumer credit in both the US and the UK. It covers policy, procedure and the dynamics of the consumer credit relationship to advocate for a balanced approach in achieving more effective consumer protection.

Major Companies of The Far East and Australasia 1991/92

Jennifer L. Carr
Major Companies of The Far East and Australasia 1991 92 Book PDF

Author : Jennifer L. Carr
Publisher : Springer Science & Business Media
Page : 482 pages
File Size : 53,6 Mb
Release : 2012-12-06
Category : Business & Economics
ISBN : 9789401130103

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Major Companies of The Far East and Australasia 1991/92 by Jennifer L. Carr Pdf

This book represents the eighth edition of what has become 3.n established reference work, MAJOR COMPANIES OF THE Guide to the =AR EAST & AUSTRALASIA. This volume has been carefully 'esearched and updated since publication of the previous arrangement of the book 3dition, and provides more company data on the most mportant companies in the region. The information in the This book has been arranged in order to allow the reader to )()ok was submitted mostly by the companies themselves, find any entry rapidly and accurately. I ;ompletely free of charge. For the second time, a third volume Ilas been added to the series, covering major companies in Company entries are listed alphabetically within each section; ,\ustralia and New Zealand, in addition three indexes are provided on coloured paper at the back of the book. --he companies listed have been selected on the grounds of lhe size of their sales volume or balance sheet or their The alphabetical index to companies throughout East Asia lists lliportance to the business environment of the country in all companies having entries in the book irrespective of their which they are based. main country of operation. _Ore book is updated and published every year. Any company The alphabetical index to companies within each country of tlat considers it is eligible for inclusion in the next edition of East Asia lists companies by their country of operation.

20th Century Britain

Francesca Carneval,Julie-Marie Strange
20th Century Britain Book PDF

Author : Francesca Carneval,Julie-Marie Strange
Publisher : Routledge
Page : 403 pages
File Size : 55,9 Mb
Release : 2014-06-11
Category : History
ISBN : 9781317868378

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20th Century Britain by Francesca Carneval,Julie-Marie Strange Pdf

Written by leading international scholars, Twentieth Century Britain investigates key moments, themes and identities in the past century. Engaging with cutting-edge research and debate, the essays in the volume combine discussion of the major issues currently preoccupying historians of the twentieth century with clear guidance on new directions in the theories and methodologies of modern British social, cultural and economic history. Divided into three, the first section of the book addresses key concepts historians use to think about the century, notably, class, gender and national identity. Organised chronologically, the book then explores topical thematic issues, such as multicultural Britain, religion and citizenship. Representing changes in the field, some chapters represent more recent fields of historical inquiry, such as modernity and sexuality.