Consumer Protection Act
The Sale of Goods Act provides protection against goods which are of poor quality. As we have mentioned, the definition of ‘quality’ takes into account fitness for purpose, appearance and finish, freedom from minor blemishes, durability and safety. If a product is unsafe, we must look to the Consumer Protection Act as it provides different information on what your remedies are and who you should pursue as the responsible party.
Damages and Compensation
To make a successful claim for damages or compensation as a result of using an unsafe item, there are a number of things you must first prove.
- The product has a defect
- Damage has been caused (death, personal injury, damage to private property in excess of £275)
- The damage was caused by the defect
- The producer can be identified
Although you no longer have to prove negligence on the part of the supplier, you still have to prove the defect, the damage and the link between the two, so it could very well amount to the same thing. You should also ensure you were using the product only for the purposes it was reasonably intended for, and there were no safety instructions which you ignored. Similarly, if a product is marketed for expert or experienced users and you are a novice, you have nobody to blame but yourself if you are injured as a result.
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Due to a change in circumstances I have been unable to keep up my payments for a loan taken out in 2005. I have repeatedly asked the company to accept a lower payment plan and they repeatedly refuse. I went to citizens advice and they contacted them on several occassions but have been unable to help. I am now being threatened with court proceedings. Where do I stand if tken to court as I cant afford what they’re asking me.
Thank you for your time
i had a mobile phone contract with o2 through the carephone warehouse that ended in october 2009. i stopped the payemnts in november 2009 but carphone warehouse kept sending me bills for payment. i contacted carphone warehouse in January who said i had to inform them of the cancellation. i said fair enough i informed them paid up the out standing mony for the two months.
i was asked to retain the o2 line as a pay as you go and paid £10 extra credit. carphonewarehouse told me that they would send me a sim card but because i was traveling out of the country that weekend (sunday 24/1/2010) i therefore picked the sim card at a carphone shop on Maryleborn on the 23/1/2010, contacted 02 from the shop gave them the PAC number i was given and thought all was well after that.
the following day i travelled and on returning 17/2/2010 i found more letters demanding more money. they insisted that the PAC had not been activated so i had to pay for two months more line rental which i declined.denis