Most of us have, at some time in our adult lives have experienced poor quality, suffered economic loss, been injured or generally felt aggrieved by the attitude of powerful retailers. You may choose to do nothing and learn from the experience, or you may decide to take action against the offending party by investigating your [...]
November 9th, 2008 | Catriona | 0 comments | ContinuedAll Posts Tagged With: "Consumer Credit Act"
Visa Debit Chargeback - The Facts
The majority of us are now aware of the benefits of using our credit cards in terms of the insurance 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 [...]
November 8th, 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
Foreign Credit Card Transactions – New Protection
As many of us know, Using a credit card for transactions over £100 provides you with an automatic insurance policy should the supplier you are dealing with go bust or disappear, or if the goods turn out to be faulty. This is because under Section 75 of the Consumer Credit Act, if you run into [...]
July 9th, 2008 | Catriona | 0 comments | Continued
Cooling off and Cancellations
Contracts are, by definition, legally binding, therefore it’s difficult to cancel without financial penalty unless you can prove breach of contract. In contracts for services, you have three fundamental statutory rights - that the supplier will do the job with reasonable care and skill, at reasonable cost and within reasonable time. Any failure to do [...]
July 8th, 2008 | Catriona | 6 comments | Continued
Guide to Shopping Online
Most people do not realise that when they shop online from a UK retailer they have additional consumer protection and unfortunately that also includes the traders.
Online purchases are covered by the Distance Selling Regulations (DSR) which provide shoppers with a seven day cooling off period. This is because you the purchaser has not had an [...]
Consumer Credit Act: Equal Liability
A few years ago I paid for a solid wood floor to be installed in my new build home. It looked absolutely gorgeous, but after about a week a ridge the whole length of the kitchen had risen up to a height of about one foot. Luckily there were workmen still on the [...]
April 5th, 2008 | Tony | 1 comment | Continued
