Let me put it this way:
The population of Italy is about 60 million. The population of the USA is about 330 million. That means we have at least five times as many lawyers here trying to figure out how to keep people and companies from having to take responsibility for their actions and inactions.
As an aside, the actual percentage of lawyers is remarkably close between the two countries, about four-tenths of one percent of the population in each. Interesting.
It would cost several hundred dollars to thousands of dollar to even pursue a case. If the case was seen as frivolous then the person bringing the action could be held liable for both party's legal and other fees. I'd bet that all a company would have to do is claim "Pandemic shipping delays caused a Force majeure event" and you lose.
Literally every contract has a Force majeure clause. You can fight like heck to have it removed, but on a piano delivery from overseas? Nope, the selling party would need something more valuable in return. There always are customers lined up for products so the seller really does not care if you
are the one to buy it or not so the seller is not going to increase their legal exposure needlessly.https://en.wikipedia.org/wiki/Force_majeure
Italian law may be different in this regard but there still seems to be some applicability: https://www.mondaq.com/italy/litiga...re/1037042/coronavirus-and-force-majeureHowever, a temporary impossibility to perform a contract, let's say for emergency reasons, cannot be used as an excuse for not performing the same contract when the emergency measure will be over. Normally it will be a matter of simply delaying the final deed of sale to a future date.
In conclusion, we can confirm that Covid-19 may affect some contracts, however the pandemic cannot be used as an excuse for not performing an agreement.
In other words, delay, delay, delay. That in fact is what is going on.
The loan, in this case, was a personal loan and not a loan through the piano seller. Unless the seller required that the buyer take out that loan, and they could not do that without the buyer's consent
, the consequences are totally on the buyer. No one forced them to take out a personal loan. Payments on a loan obtained from the seller never start until the product is delivered.
This likely will be my last post on this aspect because this is taking the thread off-topic a bit even though I find it interesting and there is some applicability to the subject.