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 | ContinuedAll Posts Tagged With: "cooling off period"
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 buying a sofa
If you have experienced problems buying a sofa or having one upholstered, then you are not alone. Complaints relating to sofas feature significantly in Consumer Direct’s top ten and the problem shows no sign of improving. So what do you need to watch out for and what are your rights?
Cooling off?
Buying a sofa is a [...]
Tips for Safe Online Shopping this Christmas
Like it or not, the Christmas shopping frenzy is nearly upon us, and with an increasing number of us choosing to do our Christmas shopping online, it means making an even earlier start. But how much do you know about your rights when buying from the internet? A recent survey by the OFT found that [...]
November 17th, 2008 | Catriona | 0 comments | Continued
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
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. You may choose to get an independent loan or finance it through a new credit card. Whatever method you choose, you will be [...]
September 15th, 2008 | Catriona | 0 comments | Continued
Online Auction Sites
The practice of buying goods from internet auction sites such as e-bay, and other online market places such as Amazon’s ‘Sell Your Stuff’ is becoming more and more mainstream. In these instances, you are not buying from the sites themselves, but from individuals who have put their possessions or products up for sale on those [...]
July 1st, 2008 | Catriona | 10 comments | Continued
Distance selling: your right to cancel
One of the most important implications of the distance selling regulations is a seven day cooling off period during which you have the right to cancel and get a full refund. In reality, it is more than seven days, because it starts at the point at which contracts are concluded, and ends seven working [...]
June 30th, 2008 | Catriona | 1 comment | Continued
