We have received many complaints regarding the so-called YLOD (Yellow Light of Death Fault) that is affecting a number of Sony Playstation 3 (PS3) owners and have created this guide to help them get their consoles fixed for free.
In the UK consumers have statutory rights that give them six years from the date of purchase [...]
Consumer Rights
Faulty Playstation 3 Rights
Faulty Laptop Your Rights
Your statutory rights give you six years from the date of purchase to make a claim (five years Scotland) and are in addition to any warranty that came with the laptop. The Sale of Goods Act 1979 is fundamental and says that goods including laptops must be:
Of Satisfactory Quality
This includes fitness for purpose, life [...]
Direct Marketing and Your Rights
Direct Marketing – What does it mean for you?
If you were to ask the average person in the street about their view of direct marketing, it is likely that you would draw no response. For many people, the term, ‘direct marketing’ tends to be associated with stories about so called ‘junk mail’ or other examples [...]
Protect Yourself When Using Paypal
What Consumer recommends that you only use Paypal when absolutely necessary due to Paypal Buyer Protection limitations .
Where possible use a Credit Card for items over £100 to ensure the transaction is protected by Section 75 of the Consumer Credit Act. This makes the credit card company equally liable if there is a problem. [...]
Default, Arrears and Debt Collection Agencies
Default on payments
The Consumer Credit Act (CCA) requires certain procedures be followed and specific documentation be provided in the event that two or more payments are missed. Within 14 days of the second default payment, the lender must send you a notice of default to include the following:
Exact details of [...]
February 25th, 2009 | Catriona | 3 comments | Continued
Ending a Credit Agreement
It should be once again pointed out that only certain types of credit agreements, made under certain circumstances have a statutory cooling off period. If you have signed an agreement in on trade premises, in the presence of the lender (or a party to the agreement), the contract is legally binding from the moment it [...]
February 25th, 2009 | Catriona | 3 comments | Continued
Consumer Credit Act – Required Information
The Consumer Credit Act and all of the various regulations and orders which have recently been introduced are very strict on what information must be presented to the consumer, when it must be presented, and the order and manner in which it is to be shown. This is so the consumer is in no doubt [...]
February 25th, 2009 | Catriona | 1 comment | Continued
Consumer Credit Act and Your Rights
There is growing awareness of Consumer Rights in relation to The Consumer Credit Act (CCA). We will deal with the most useful ones here.
Cooling off and your right to cancel
You will benefit from a cooling off period if the credit agreement was made in one of the following ways:
For agreements signed away from the creditor’s [...]
February 25th, 2009 | Catriona | 19 comments | Continued
Consumer rights when a retailer goes bust
It is all too common these days for retailers to go into administration and it is imperative that consumers protect themselves and know what their right are if the shop they have ordered from goes bust.
It is not just the small shops that are closing down but large household names such as MFI, Woolworths and [...]
Supply of Goods and Services Act 1982
The Supply of Goods and Services Act 1982 aims to protect consumers against bad workmanship or the poor provision of services. It covers contracts for work and materials, as well as contracts for pure services, and remember, this still applies even in everyday situations – such as going to the hairdressers or the dry cleaners [...]
December 10th, 2008 | Catriona | 24 comments | Continued
Unfair Contract Terms
When a dispute arises over a clause in a contract, it is easy for the party defending this clause to say ‘well, you should have read the contract’. But how many of us actually take the time to trawl through the small print when signing up to an agreement? Most of us will assume good [...]
December 5th, 2008 | Catriona | 19 comments | Continued
Avoiding Liability for Breach of Contract
Large powerful firms have legal teams at their disposal for the writing of contracts. These contracts may be cleverly and creatively worded so that in cases of a breach, their liability is limited or even excluded. Legislation in the form of the Unfair Contract Terms Act 1977 and the Unfair Terms in Consumer Contracts Regulations [...]
December 4th, 2008 | Catriona | 0 comments | Continued
Visa Debit Chargeback – The Facts
The majority of us are now aware of the benefits of using our credit cards in terms of the protection it offers us in the event the supplier is unable to offer the goods and services we have paid for.
But did you know that you can also claim the money back if you have [...]
Eat Healthy Food, Save Money
Here’s a challenge. Trying to spend less on your weekly shop, while coping with rising food prices AND still making sure your family eats healthy food. It’s a tough one.
Have you ever looked at all the ready meals or packaged stuff in your trolley and wondered whether you could make it yourself? From scratch? Would [...]
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 | 24 comments | Continued
