University Daily Kansan
Monday, April 23,1973
答
Laws Offer Consumer Protection
Kansan Staff Writer
By CHRIS STEVENS
Until an hour ago when a door-to-door salesman rang the doorbell, you hadn't dreamed of purchasing a set of new cookware inside your doorway. You listened to his sale pitch and the high pressure tactics caught you off guard. You have a set of cookware that you don't need and 24 monthly payments that you definitely don't need.
But now you have three days to cool off after signing the contract and to cancel out if you have two thoughts about the purchase.
THE KANAS Consumer Bill of Rights, as the bills are collectively known, provide a three-day cooling off period on installment contracts like the hypothetical cookware law that protects people from high pressure installment contracts.
The Kansas Consumer Protection Act and its companion bill, the Kansas Uniform Consumer Credit Code, were passed in December 2010 to code 80 new state protections for consumers.
Barkley Clark, associate dean of the University of Kansas School of Law and Sen. Robert Bennett, R-Overland Park and graduate of KU Law School, co-authored the four separate bills that comprise the Consumer Bill of Rights.
*Kansas is among the top five or six states in the country in having up to date
consumer legislation," Clark said Thursday. Clark said the 1972 legislative session was a bummer year in consumer legislation.
CLARK HAS been the primary consultant on the consumer bills for the past three years.
The Kansas Consumer Protection Act and the Uniform Consumer Credit Code are extensions of the Kansas Buyers Protection Act.
The bills cover a broad range of legal remedies to prevent business abuses.
The "holder in due course" section protects the consumer who buys shoddy merchandise from being forced to pay the price for goods that were not the contract. Until now if you bought a product that turned out to be a lemon, you had to continue to pay the bank in spite of a legitimate complaint. Under the new law you can make payments on the city merchandise.
FINE PRINT that disclaims warranties on merchandise are made illegal under the bill. This assures the buyer that the manufacturer will stand behind his product.
CREDIT LIFE insurance rates will be regulated under another provision. The life insurance applies to time buying. If the consumer dies before the balance is payed off, credit life insurance completes the payments.
Referral sales are also banned. No longer can you get a set amount removed from the balance of your bill for every sale the company makes on referrals from you.
"Kansas will drop from the most expulsive state on life insurance to the most expensive in the U.S."
Repossession has been made harder by the new act. Previously, if the debtor missed one payment the creditor could repossess the merchandise immediately without giving notice. The new legislation requires a notice of the default in payment
A creditor that repossesses goods now cannot sue the consumer for the rest of the payments. A section provided for repossession is present on default repossession under $1,000.
to be sent to the debtor. The consumer then
takes care to cure the default by paying the
installment.
Credit bureau files on applicants will be opened if the applicant is denied credit. Then the applicant may see why he has been denied credit and defend himself.
Clark said that Kansas had the highest rates for the insurance in the country.
Credit life insurance will be slashed by 20 per cent Clark said.
Under the present law, if the final bill on
aut repair work is above the original
estimate, the garage has the right to keep
the car until the customer pays in full.
Two main provisions of the complete consumer bill were deleted Clark said. Regulation of debt collectors and the consumer bill yet covered by consumer protection acts.
There will be an election Wednesday and resolve the disputed election of senior members.
Murin's name was misspelled as "Martin" on the first election ballot.
The proposed bill would allow the customer to keep the car.
Ploking places will be open from 8 a.m. to 5 p.m. Wednesday and Thursday at Summerfield Hall, Strong Hall and the Kansas Union. Ploking places also will be available from 10 a.m. to 12 noon at Naismith and Eldsworth Halls and from 4:30 to 9 p.m. Wednesday at Oliver Hall.
Runoff Election Set for Seniors
The University Judiciary has ordered the new election, which will be a runoff between Dare Murfin, Wichita janier, and Pat Koch, who were expected to be runoff ruled a runoff should be conducted because
Centennial Park Now A Jogger's Haven
A one-mile jogging course in Centennial Park was opened last week by the Lawrence Parks and Recreation Department. The grass course offers an alternative to the hiking trail jogging along major thoroughfares and to the monotony of circling an oval track.
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Want a T-shirt with this design silkscreened on it? Bring your own T-shirt to the SUA Office, Kansas Union, Main Floor.
GEORGE CARLIN
PLUS
KENNY RANKIN
"IN CONCERT"
UNIVERSITY OF KANSAS HOCH AUDITORIUM SATURDAY MAY 5, 8 P.M. A KUDL/KU-Y PRESENTATION
TICKETS $4.00, $4.50 ALL SEATS RESERVED
AVAILABLE AT:
KIEFS, MALL SHOPPING CENTER, LAWRENCE
THE ON CAMPUS BOOTH, JAYHAWK BLVD, LAWRENCE
THE TOWN CRIER, 919 MASS., LAWRENCE
JEAN JUNCTION, DOWNTOWN JUNCTION CITY CAPER'S CORNERS, and CHOOSEY BEGGAR, KANSAS CITY EARTHSHINE, DOWNTOWN TOPEKA
Tickets Available; April 23 in Kansas City, Topeka, and Junction City. April 30 on campus; May 1 at KIEF'S; Town Crier.