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Международныйконсорциум«Электронныйуниверситет»

Московский государственный университет экономики, статистики и информатики

Евразийский открытый институт

Н.Б. Назарова Е.В. Коробова

Practice in Consumer Law

Учебно-практическое пособие

Москва 2008

1

УДК – 811.111

ББК – 81.2 Англ Н - 192

Назарова Н.Б., Коробова Е.В. PRACTICE IN CONSUMER LAW: Учебно-методический комплекс. – М.: Изд.

центр ЕАОИ, 2008. – 198 с.

ISBN 978-5-374-00112-9

Назарова Н.Б., 2008

 

Коробова Е.В., 2008

 

Евразийский открытый институт, 2008

2

Contents

 

Foreword .........................................................................................

4

Unit 1. What is Law?......................................................................

6

Unit 2. Law and Values ................................................................

11

Unit 3. Consumer Law...................................................................

17

Unit 4. How Laws Protect the Consumer ...................................

23

Unit 5. What to Do Before Buying ...............................................

29

Unit 6. What to Do After Buying..................................................

34

Unit 7. Consumer Protection Agencies and Organizations......

40

Unit 8. Taking Your Case to Court...............................................

44

Unit 9. Small Claims Court ...........................................................

48

Unit 10. Door–to–Door and Telephone Sales .............................

53

Unit 11. Advertising and the Consumer .....................................

56

Unit 12. Ads that Appeal to Our Emotions ................................

61

Unit 13. Bait and Switch Technique.............................................

64

Unit 14. Shopping by Mail ............................................................

67

Unit 15. Contracts...........................................................................

70

Unit 16. Written and Oral Contracts............................................

74

Unit 17. Warranties ........................................................................

77

Unit 18. Implied Warranties .........................................................

82

Unit 19. Disclaimers .......................................................................

85

Unit 20. Credit.................................................................................

89

Unit 21. Credit Cards and Charge Accounts ..............................

93

Unit 22. EFT Cards and Debit Cards ..........................................

97

Unit 23. Costly Credit Arrangements..........................................

100

Unit 24. What Lenders Want to Know Before Extending Credit 104

Unit 25. Default And Collection Practices ..................................

109

Unit 26. Creditor Collection Practices .........................................

112

Revision Tasks and Achievement Tests .....................................

116

Vocabulary ......................................................................................

155

Руководство по изучению дисциплины.................................

176

Рабочая программа......................................................................

198

3

Practice in Consumer Law

Предисловие

Настоящее пособие адресовано студентамюристам, изу- чающим английский язык в области коммерческого права и овладевшими умениями и навыками речевой деятельности на уровне Intermediate.

Целью пособия является совершенствование коммуни- кативной компетенции студентов в профессиональной сфере обучения на английском языке. В пособии предлагается учеб- ный материал для развития речевых навыков чтения и гово- рения (диалогической и монологической речи).

Структура пособия:

Данное пособие состоит из 26 разделов, каждый из кото- рых содержит текст или ряд текстов и послетекстовые зада- ния. Упражнения построены по принципу проверки понима- ния прочитанного, отрабатывается лексика по тематике раз- делов а также употребление её в ситуациях общения.

Предлагаются упражнения следующих типов:

1.Ответить на вопросы по содержанию текста.

2.Найти дефиниции или синонимы активной лексики урока.

3.Подобрать в тексте эквиваленты слов и словосочетаний.

4.Прочитать диалоги и ответить на вопросы, пересказать их в косвенной речи.

5.Выполнить ролевые игры.

6.Обсудить проблемные ситуации.

7.Выполнить тестовые задания для проверки усвоенного материала.

Упражнения рассчитаны как на выполнение их в ауди- тории под руководством преподавателя, так и на самостоя- тельную работу студентов.

Тексты пособия не адаптированы, их тематика охваты- вает разнообразные аспекты потребительского права.

Количество часов, необходимое для проработки каждого раздела, зависит от уровня знаний английского языка студен- тами и конкретных задач обучения.

4

Предисловие

При составлении пособия была использована следующая литература:

1.Oxford advanced learner’s dictionary of current English. A.S. Hornby, Oxford University press, 1989.

2.Webster’s New World Dictionary. Prentice hall press, 1984.

3.Street Law. A Course in Practical Law. Fifth Edition. Lee P. Arbetman, M. Ed. A Publication of the National Institute for Citizen Education in the Law. West Publishing Company.

5

Practice in Consumer Law

UNIT 1.

What is Law?

Read and translate the text.

The question “What is law?” has troubled people for many years. An entire field of study known as jurisprudence (the study of law and legal philosophy) is devoted to answering this question. Many definitions of law exist. For our purposes, however, law can be defined as the rules and regulations made and enforced by government that regulate the conduct of people within a society.

As a child, you learned about rules first at home and later at school. At home, your parents made and enforced rules concerning issues like chores and bedtimes. Rules made and enforced by the government are called laws. The government makes laws that affect almost every aspect of daily life.

One thing is certain: every society that has ever existed has recognized the need for laws. These laws may have been unwritten, but even pre–industrial societies had rules to regulate people’s conduct. Native American societies, for example, were governed by unwritten laws. When Europeans first arrived on the North American continent, each of the Native American nations (or tribes, as they are commonly called today) maintained order through a system of unwritten rules. Because many non–Native American government officials and others did not see or understand these traditional mechanisms, many non–Native Americans held the erroneous view that the societies were lawless. Today, some Native American groups are still governed, at least in part, by traditional unwritten law.

Without laws, there would be confusion and disorder. This does not mean that all laws are fair or even good, but imagine how people might take advantage of one another without a set of rules.

6

What is Law?

Find the equivalents for the following words and expressions in the text.

Существовать, проводить в жизнь, внутри общества, ка- ждый аспект повседневной жизни, признать необходимость законов, неписаный закон, доиндустриальное общество, пове- дение людей, поддерживать порядок, ошибочная точка зре- ния, путаница и беспорядок, набор правил.

Answer the questions:

1.Why has the question “What is law?” troubled people for many years?

2.What is jurisprudence?

3.What definition of law is given in the text?

4.Why does any existing society need laws?

5.Have laws always been written?

6.What would happen if people lived without laws?

Problem–solving:

Make a list of all your daily activities (for example, waking up, eating, going to school). Next to each item, list any laws that affect that activity. What is the purpose of each law that you identified? Would you change any of these laws? Why?

Read and translate the text: Kinds of Laws

Laws fall into two major groups: criminal and civil. Criminal laws regulate public conduct and set out duties owed to society. A criminal case is a legal action brought by the government against a person charged with committing a crime. Criminal laws have penalties, and offenders are imprisoned, fined, placed under supervision, or punished in some other way. Criminal offenses are divided into felonies and misdemeanors. The penalty for a felony is a term of more than one year in prison. For a misdemeanor, the penalty is a prison term of one year or less. Felonies are more serious crimes such as murder or robbery. Misdemeanors are less serious crimes such as simple assault or minor theft.

Civil laws regulate relations between individuals or groups of individuals. A civil action (lawsuit) can be brought by a person

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Practice in Consumer Law

who feels wronged or injured by another person. Courts may award the injured person money for the loss, or they may order the person who committed the wrong to make amends in some other way. An example of a civil action is a lawsuit for recovery of damages suffered in an automobile accident. Civil laws regulate many everyday situations, such as marriage, divorce, contracts, real estate, insurance, consumer protection, and negligence.

Sometimes one action can violate both civil and criminal law. For example, if Joe beats up Bob, he may have to pay Bob’s medical bills under civil law and may be charged with the crime of assault under criminal law.

Find the equivalents for the following words and expressions in the text.

Уголовное право, гражданское право, совершать престу- пление, нарушитель, оштрафовать, поместить под наблюде- ние, уголовное преступление, судебно наказуемый проступок, убийство, грабеж, нападение, воровство, возмещать убытки, судебный процесс (тяжба).

Answer the questions:

1.What two groups of laws do you know?

2.What is a criminal case?

3.How are criminal offenses divided?

4.What crimes are more serious?

5.What is the penalty for a felony? For a misdemeanor?

6.Make a list of all the crimes mentioned in the text.

7.What do civil laws regulate?

8.Give your own examples how one action can violate both civil and criminal laws.

Match the words on the left with the correct definition on the right:

Jurisprudence

law dealing with private rights of citizens, not

 

with crime.

Criminal law

punishment for wrongdoing.

Civil law

the branch of law dealing with crimes and

 

their punishment.

Felony

recognized and permitted by the law.

8

 

 

What is Law?

 

 

Misdemeanor

accuse.

Murder

violent and sudden attack.

Penalty

the study of law and legal philosophy.

Assault

major serious crime, e.g. murder, armed rob-

 

bery, arson.

Responsibility

legal offence less serious than a felony.

Charge

prosecution of a claim in a law court.

Lawsuit

unlawful killing of a human being on purpose.

Legal

duty.

Read, translate and finish the dialogue:

PEOPLE IN LAW CASES IN GREAT BRITAIN

Narrator: The solicitor says why he thinks thefts occur, and then he gives his views on violence.

Solicitor: In thefts I would say that the motive strongest motive is not to work. Oh, for theft, and very often there is a pattern of drinking, involved in the theft…

Interviewer: Could you give an example?

Solicitor: They leave the pub, they go out, they see a house which is in darkness with a couple of milk bottles on the doorstep, they think, “Right, we’ll do that house and get a bit more beer money for tomorrow.”

Interviewer: What about violence, it’s one thing I find least easy to explain?

Solicitor: Because very often it’s not explicable. I have very frequently found there is a pattern here too, especially the juvenile offenders, broken homes…

Interviewer: You mean they come from broken homes… Solicitor: Yes, from broken homes, or large, unhappy, rather

poor families.

Answer the questions:

1.What is the strongest motive for theft?

2.What pattern often occurs in lives of people involved in theft?

3.What house do robbers usually choose?

4.What background do robbers most often come from?

9

Practice in Consumer Law

Retell the dialogue in indirect speech.

Problem–solving:

Matt and Luther decide to skip school. They take Luther’s brother’s car without telling him and drive to a local shopping center. Ignoring the sign Parking for Handicapped Persons Only, they leave the car and enter a radio and TV shop.

After looking around, they buy a portable AM–FM radio. Then they buy some sandwiches from a street vendor and walk to a nearby park. While eating, they discover that the radio does not work. In their hurry to return it, they leave their trash on the park bench.

When Matt and Luther get back to the shopping center, they notice a large dent in one side of their car. The dent appears to be the result of a driver’s carelessly backing out of the next space. They also notice that the car has been broken into and that the tape deck has been removed.

They call the police to report the accident and theft. When the police arrive, they seize a small clear bag containing illegal drugs from behind the car’s back seat. Matt and Luther are arrested.

a.List what you think Matt and Luther did wrong.

b.What laws are involved in the story?

c.Which of these are criminal laws? Which are civil laws?

Role–play:

Dramatize the story.

The roles: Matt, Luther, the shop assistant, the street vendor, the policeman.

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