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 | ContinuedAll Posts Tagged With: "Consumer Rights"
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 | 16 comments | Continued
Unfair Bank Charges
Banks have traditionally levied heavy financial penalties on consumers who exceed their overdraft limits or have insufficient funds to honour cheques or direct debit payments. In April 2007, the OFT launched an investigation into whether these charges were fair and legal in terms of reflecting the true administrative cost to the bank. This was followed [...]
July 7th, 2008 | Catriona | 0 comments | Continued
Payment Protection Insurance (PPI)
What is Payment Protection Insurance?
Payment Protection Insurance, or PPI, is a policy which covers your monthly repayments in the event that you are unable to work due to accident, ill health or unemployment. It is usually taken out when applying for a mortgage, loan or credit card, although policies can be bought separately from insurers [...]
Returning Damaged or Faulty Goods
The Sale of Goods Act covers the purchase of most things from shops, suppliers and online or mail order retailers. It also details the retailers obligations in situations where you have to return an item to them take on the basis that it is damaged or faulty - or both.
Your statutory rights
One of your principle [...]
Buying a New Build Home
Many people decide to ‘buy new’ from a housebuilder in the belief that it will be a much less troublesome experience than buying somebody else’s home. In reality however, these people go on to find the experience more stressful than they could possibly have anticipated. The reason for this is that the purchase of property [...]
July 6th, 2008 | Catriona | 3 comments | Continued
Buying Online
New Regulations have introduced greater consumer protection measures for the increasing number of people buying online and by mail order. Although the practice is still not without its problems due to the anonymity of the web and the regularity of card fraud.
The purchase of goods and services over the internet, by phone or by mail [...]
Buying a Car
When you buy a car, whether brand new or second hand, you benefit from the protection of certain statutory consumer rights as provided for under the Sale of Goods Act. However there is some variation in these rights depending on how you buy the car and who you buy it from.
Your statutory rights
First and [...]
Mobile Phones & Service Providers
There is a bewildering choice of phones, packages and deals available when buying a new mobile phone. It’s big business. It’s also top of the list when it comes to consumer complaints!
When choosing a new mobile, you are not only selecting the phone (or the handset), you are dealing with the retailer and choosing a [...]
Who do I Sue?
Bear in mind that under the Consumer Protection Act you can only sue in the event of death, personal injury and damage to private property in excess of £275. You would not be able to sue for loss or damage to the product itself. Therefore if you were to buy a defective car, which then [...]
July 1st, 2008 | Catriona | 0 comments | Continued
