Archive for Catriona

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Money Saving on Kids and Party Food

What Consumer has compared the cost of making popular party food from scratch to buying it from the supermarket. Perhaps just as important as the cost issue, is the concern over salt, sugar and fat content in the food we serve to kids. Therefore, this section also explores the costs associated with making higher quality [...]

October 31st, 2008 | Catriona | 0 comments | Continued
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Money Saving on Christmas Food

As part of the Food Money Saving Study What Consumer has compared the price of making some popular Christmas food items from scratch to buying it from the supermarket. Find out more about the Food Money Saving Study.
Key Findings:
Christmas cakes and mince pies are much cheaper if you make them yourself, so save yourself [...]

October 26th, 2008 | Catriona | 0 comments | Continued
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PPI Misselling Continues Despite Record Fines

Payment Protection Insurance policies, or PPI would appear to generate nothing but bad news. This is due to the fact that these expensive and, some would say, badly designed policies have been mis-sold to people for whom they are not appropriate. This bad press has been exacerbated by various reports detailing just how profitable these [...]

October 11th, 2008 | Catriona | 0 comments | Continued
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Doorstep Selling: Your Right to Cancel

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 | Continued
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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
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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
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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
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Consumer Credit Act And Your Consumer Rights

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 [...]

September 15th, 2008 | Catriona | 0 comments | Continued
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Consumer Credit Act 1974: Credit Cards and Credit Agreements

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 [...]

September 15th, 2008 | Catriona | 0 comments | Continued
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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