กฎหมายเช่าซื้อรถยนต์ว่าด้วยกฎหมายสำเร็จรูปภายใต้สถานการณ์การแพร่ระบาดเชื้อไวรัสโควิด 2019

Abstract

The study "Adhesion Contract for an Automobile Hire Purchase during the COVID-19 Pandemic" aims to examine the conditions and issues of automobile hire purchase adhesion contracts that occurred between the years 2018-2022 under the COVID-19 pandemic, which led to contract cancellations by business operators and resulted in lawsuits filed in court. It explores the extent to which the existing laws provide protection and fairness to the public, as well as identifies any shortcomings in the law that fail to adequately protect the public, leading to debt problems and household financial impacts. The study seeks to propose guidelines and solutions to address debt issues arising from the COVID-19 pandemic in a manner that is appropriate and fair to the consumer. The study findings indicate that under the COVID-19 pandemic, the public is unable to carry out their usual economic activities, yet they still bear the responsibility of making installment payments under hire purchase contracts for automobiles, resulting in various unfairness. Despite the issuance of committee announcements regarding contracts related to the control of hire purchase businesses for automobiles and motorcycles in 2018 and 2022, respectively, the debt issues arising from hire purchase agreements during the COVID-19 pandemic remain unresolved, leading to a crisis in Thai household finances.