The importance of the consumer's legal protection

The importance of the consumer’s legal protection law is essential to local and regional development, consumer contracts. All of these contracts refer to the provisions governing bank loan or loan contract. Another compelling reason for dealing analytically and comparatively between Albanian legislation and other legislation is the “misuse” of commercial banks’ term consumer credit. These financial institutions advertise as consumer loans, a series of loans outside the law’s scope on consumer protection.

Consequently, regardless of the denomination given by them, these will be assessed as a mortgage or other bank loans provided for everyday consumption purposes.
On the other hand, in the case-law, it finds almost no consumer lawsuit regarding consumer credit, the legal basis of the law “On consumer protection” with the plaintiff the consumer and the plaintiff a Bank of the High Level. Second. The Consumer Protection Association informs consumers of their rights and lists the traders who have harmed consumers or intentionally sold goods dangerous to consumer health and safety in recent years.

Any rights infringed by the consumer or the consumer protection association may be appealed to the competent administrative authorities charged by law for consumer protection. Manufacturers and service providers must market regulated goods and services.

Safe products and services are those goods and services that meet:

a) Local standards,

b) European standards laid down in International Conventions,

c) Consumer legal security requirements.

Specific laws covering this area will establish the rules and regulations relating to the standards and conditions of safety and health that a good or service must meet before it is placed on the market. Consumer protection policies, in particular, the tracking and recording of work performed by the Consumer Protection Program, are managed by the Ministry of Trade and Industry.

The Consumer Protection Program specifically stipulates:
Principles and goals of consumer protection policies,

a) Priority tasks when designing consumer protection policies,

b) The program for utilization of funds for the implementation of the functions of the national curriculum,

c) Analyze the program framework’s size for the use of financial resources to stimulate consumer associations’ development and activity.

The right to consumer protection is a significant factor in the progress of economic entities and the economy. Healthy competition enhances efficiency between companies in the free market of products in the commodity market.

Competition market and consumer protection law promote productivity and output sharing efficiency, where consumer welfare is a crucial issue. To create such an environment, the state establishes protection mechanisms. Abide by specific rules, the purpose of which is to prevent conduct contrary to the principles of free competition and the protection of consumer protection rights.

The Law on Protection of Competition in the Kosovo Economic Market and Protection of Consumer Protection Rights provides legal protection to ensure free and useful competition. Competition law protection of consumer protection rights should be a legal framework for applying the relevant competition regulation policy protection of consumer protection rights, preventing misuse, and realizing the fundamental principles of consumer protection. Business law in terms of the functioning of the free market and its protection against unfair competition.

Maintaining Consumer Rights and Market Competition is based on a functioning market economy where market competition is a form of rivalry between companies. Game is an economic phenomenon in which two or more market operators operate at the same time. Produce the same or similar products and compete against each other through quality, price, and other characteristics of Albania’s goods or services.

3 Historical background of consumer legal protection

According to the Roman jurist Paulus: “The sale originates in the exchange (exchange) of things.” The sale contract, or as it was then called the sale contract, reflects the first stages of the birth of civil legal relations, where one of the parties was weaker than the other. In the absence of commodity exchange interests, people created valuable material that would serve as commodity equivalence.

Rom Roman law regulates in detail the elements of this contract, such as the existence of consensus, the object of the agreement, the price, the rights and obligations of the parties, and the lawsuits with which they could be protected. What stands out is the relation of the cost to the qualities of the thing.

Pompous points out that it is only logical for the transaction’s nature that the contractors mutually deceive the item’s price. Remedies, in the form of a sanction, misleading one party to the detriment of the other, as a sale below the price consciously made by the seller and above the buyer’s expense knowingly accepted—the transition from consumer-like contracts to the development of consumer law in the world.