Until recently, the Doorstep Selling Regulations only covered contracts which were made in the consumer’s home or place of work as a result of a cold call or an unsolicited visit. New Regulations (The Cancellation of Contracts made in a Consumer’s Home or Place of Work etc Regulations 2008) have recently come into force which [...]
September 30th, 2008 | Catriona | 0 comments | ContinuedArchive for Catriona
Misleading Commercial Practices: Unfair Trading Regulations 2008
The practice of incorrect or misleading descriptions, statements, marketing and pricing was made unlawful under the both the Consumer Protection Act and the Trade Descriptions Act. This legislation has now been replaced in large part by the Consumer Protection from Unfair Trading Regulations 2008. The regulations outlaw three specific practices:
Misleading actions.
Misleading omissions
Aggressive sales tactics.
1. Misleading [...]
September 28th, 2008 | Catriona | 0 comments | Continued
Accessing your Credit File
If you have been turned down for a credit agreement such as a loan or a credit card, you have the right, under the Consumer Credit Act, to request that the lender provides you with details of the credit reference agency they used to access your credit file. You must do this in writing within [...]
September 16th, 2008 | Catriona | 0 comments | Continued
Credit Agreements Explained
There is a wealth of ways in which retailers make high priced items affordable - you can choose to ‘buy now pay later’, or spread the cost in monthly instalments, or both. Whatever method you choose, you will be party to a consumer credit agreement, which may involve a third party finance company. The [...]
September 15th, 2008 | Catriona | 0 comments | Continued
Your Rights Under the Consumer Credit Act
The Right to Cancel
The Consumer Credit Act does allow a cooling off period, but only for agreements which were discussed face to face, and then signed away from the lender’s normal business premises - i.e. at the consumer’s home, place of work or at an exhibition stand. The cooling off period for agreements made in [...]
Credit Cards and Credit Agreements: Consumer Credit Act 1974
Credit Cards
Perhaps the most significant aspects of this piece of legislation is Section 75, which imposes equal liability on the creditor for breaches by the supplier. In other words, if the company you are buying from goes bust or disappears, or if the goods turn out to be faulty and you can’t get recompense from [...]
If the Tour Operator Goes Bust
Along with the raft of airlines which have collapsed over the previous 12 months, we hear of yet another tour operator which has gone the same way. XL Leisure group ceased trading earlier this month, with the loss of 2000 jobs and countless holiday plans ruined. So what are your rights and remedies if the [...]
September 13th, 2008 | Catriona | 0 comments | Continued
Making a Small Claim
If you are in dispute with an organisation or an individual and wish to recover specific sums of money you feel you should not have paid, then you can issue a claim at county court level against that individual or firm. If the claim is for less than £5000 (or £1,000 or less if the [...]
September 12th, 2008 | Catriona | 0 comments | Continued
If the Airline Goes Bust
So far this year 24 airlines have gone bust, the latest being Silverjet and Zoom, leaving thousands either stranded or out of pocket. So what are your rights and remedies if your airline collapses?
Some consumers will be protected and eligible for refunds or alternative flights depending on how, where and from whom they booked [...]
What Consumer’s Top Ten
What Consumer presents its top ten consumer tips to help you know your rights and stay one step ahead of the retailer. We also expose the myths relating to some of the most common consumer complaints.
1. Pay on credit card
Where possible, always pay for items over £100 by credit card. This is because if [...]
