An increasing number of us are routinely paying for goods with plastic. Using credit and debit cards has undeniable benefits: It allows us to track and manage our spending, it provides automatic proof of purchase, it enables us to collect rewards or points, and perhaps most significantly it gives us some protection against dodgy traders [...]

When you make a purchase though Paypal you are not covered by section 75 of the Consumer Credit Act and therefore you cannot claim your money back from your credit card provider. However, Paypal transactions are covered by the Visa Debit Chargeback scheme.
When you make a Paypal purchase the corresponding amount is [...]

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 [...]

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 [...]

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 [...]

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 [...]

The Consumer Credit Act is a huge piece of legislation. Understanding it is not an easy task, made harder still by all the amendments and reforms which have taken place in recent years. Nevertheless, these changes have been designed to benefit consumers by providing further clarification and additional rights. In this section, we will look [...]

Contracts are, by definition, legally binding, therefore it’s difficult to cancel without financial penalty unless you can prove breach of contract. In many situations however, such as buying goods from shops, you are able to cancel the contract and get your money back. But unless the goods are faulty, this is not an automatic right, [...]