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consumer guide
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All of us, at some point will encounter poor or even unlawful customer practice from shops, suppliers or commercial organisations in general. Knowing your rights in these situations will help you deal with unscrupulous or misinformed traders, giving you the quality and satisfaction you deserve in exchange for handing over your hard-earned cash. The Consumer Rights section contains more legal information on the scenarios presented here. Don’t forget to share your experiences or queries via the forum, or simply post a reply to any of the articles on the site.
Credit and debit cards
Plastic has undeniable benefits in terms of managing spending and consumer protection. But the right of the card provider to impose fees and change the terms of your agreement can often come as a big surprise to many people.
Mobile phones
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!
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.
Buying a sofa
Buying a sofa is a big commitment in more ways than one. Therefore make sure you understand what you are agreeing to, and how to deal with any problems should they occur.
Buying clothing and footwear
Your statutory rights regarding the purchase of clothing and footwear refer to standards of quality and consumer expectations, and what you should do if these are not met.
Buying a new build house
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. So is it?
Buying online
New Regulations have introduced greater consumer protection measures for the increasing number of people buying online and by mail order. Find out more about them in this section.
Buying from online auction sites
Buying goods from internet auction sites and other online market places is becoming more popular. But buying in this way has important implications for your consumer rights.
Problems with delivery and collection of goods
With the increase in online shopping comes an obvious increase in the number of complaints regarding delivery of goods – whether this is non-delivery or delivery of damaged items. So where do you stand?
Cooling off and cancellations
Some contracts however offer you the right to cancel during a specific duration – called a ‘cooling off period’. Find out which types of agreements are subject to this right and how long you’ve got.
Returning damaged or faulty goods
The Sale of Goods Act also details the retailers obligations in situations where you have to return an item on the basis that it is damaged or faulty – or both. Make sure you know what you are entitled to.
Extended Warranties
Extended warranties are a relatively new sales opportunity for the retailers and have not been without their fair share of bad press. The question is, are they worth it? Find out here.
Buying Payment Protection Insurance (PPI)
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. So why is it so controversial?
Junk mail, cold callers and telemarketing
The invasion of our privacy at home is becoming an important issue, which is why procedures are in place both to protect you and to allow you to opt out. Find out how in this section
Problems with builders or tradesmen
If it hasn’t happened to us, it’s happened to someone we know. Everyone has a story, which is why it’s crucial to know your rights and remedies so you can be prepared at the outset.
Getting holiday cash without paying a fortune
There are so many different ways of getting your cash abroad, but there are also a host of hidden charges to be aware of. So how can you get your holiday cash without getting fleeced? This guide will tell you all you need to know.
The Holiday was a Nightmare!
Your holiday was a nightmare and you had a miserable time. Is there anything you can do? Know your rights under the package holiday regulations and also about statutory entitlements in the event of flight delays
Making a Small Claim
This section will tell you all you need to know if you are in dispute with a firm or individual and are considering trying to recover money, damages or compensation via a county court small claims procedure
Credit Agreements Explained
There is a wealth of ways in which retailers make high priced items affordable. Whichever method you choose it is likely you will be party to a credit agreement. Read about your rights and obligations under the Consumer Credit Act which regulates these agreements.
Accessing your Credit File
If you have been turned down for a credit agreement, you have the right not only to access you credit file, but to change or remove anything which is incorrect and request these changes to be made known to the lender.
Excessive bank charges
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. Where do we currently stand with this?
Debt Management Companies
There are a growing number of debt management companies who all want to help you get out of debt. Do their solutions work? Or are they simply trying to capitalise on your misfortune?
Debt Collection Agencies
Debt collection is big business. As the use of Debt Collection Agencies (DCAs) increases, so have the number of complaints regarding unfair practices. So what is acceptable and what is unlawful?
Gym Memberships and Unfair Terms
How many of us actually take the time to trawl through the small print when signing up to an agreement for gym membership? Most of us will assume good faith, the record number of consumer complaints regarding these contracts is proof that this can be a false assumption.
All of us, at some point will encounter poor or even unlawful customer practice from shops, suppliers or commercial organisations in general. Knowing your rights in these situations will help you deal with unscrupulous or misinformed traders, giving you the quality and satisfaction you deserve in exchange for handing over your hard-earned cash. The Consumer Rights section contains more legal information on the scenarios presented here. Don’t forget to share your experiences or queries via the forum, or simply post a reply to any of the articles on the site.
Credit and debit cards
Plastic has undeniable benefits in terms of managing spending and consumer protection. But the right of the card provider to impose fees and change the terms of your agreement can often come as a big surprise to many people.
Mobile phones
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!
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.
Buying a sofa
Buying a sofa is a big commitment in more ways than one. Therefore make sure you understand what you are agreeing to, and how to deal with any problems should they occur.
Buying clothing and footwear
Your statutory rights regarding the purchase of clothing and footwear refer to standards of quality and consumer expectations, and what you should do if these are not met.
Buying a new build house
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. So is it?
Buying online
New Regulations have introduced greater consumer protection measures for the increasing number of people buying online and by mail order. Find out more about them in this section.
Buying from online auction sites
Buying goods from internet auction sites and other online market places is becoming more popular. But buying in this way has important implications for your consumer rights.
Problems with delivery and collection of goods
With the increase in online shopping comes an obvious increase in the number of complaints regarding delivery of goods – whether this is non-delivery or delivery of damaged items. So where do you stand?
Cooling off and cancellations
Some contracts however offer you the right to cancel during a specific duration – called a ‘cooling off period’. Find out which types of agreements are subject to this right and how long you’ve got.
Returning damaged or faulty goods
The Sale of Goods Act also details the retailers obligations in situations where you have to return an item on the basis that it is damaged or faulty – or both. Make sure you know what you are entitled to.
Extended Warranties
Extended warranties are a relatively new sales opportunity for the retailers and have not been without their fair share of bad press. The question is, are they worth it? Find out here.
Buying Payment Protection Insurance (PPI)
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. So why is it so controversial?
Junk mail, cold callers and telemarketing
The invasion of our privacy at home is becoming an important issue, which is why procedures are in place both to protect you and to allow you to opt out. Find out how in this section
Problems with builders or tradesmen
If it hasn’t happened to us, it’s happened to someone we know. Everyone has a story, which is why it’s crucial to know your rights and remedies so you can be prepared at the outset.
Getting holiday cash without paying a fortune
There are so many different ways of getting your cash abroad, but there are also a host of hidden charges to be aware of. So how can you get your holiday cash without getting fleeced? This guide will tell you all you need to know.
The Holiday was a Nightmare!
Your holiday was a nightmare and you had a miserable time. Is there anything you can do? Know your rights under the package holiday regulations and also about statutory entitlements in the event of flight delays
Making a Small Claim
This section will tell you all you need to know if you are in dispute with a firm or individual and are considering trying to recover money, damages or compensation via a county court small claims procedure
Credit Agreements Explained
There is a wealth of ways in which retailers make high priced items affordable. Whichever method you choose it is likely you will be party to a credit agreement. Read about your rights and obligations under the Consumer Credit Act which regulates these agreements.
Accessing your Credit File
If you have been turned down for a credit agreement, you have the right not only to access you credit file, but to change or remove anything which is incorrect and request these changes to be made known to the lender.
Excessive bank charges
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. Where do we currently stand with this?
Debt Management Companies
There are a growing number of debt management companies who all want to help you get out of debt. Do their solutions work? Or are they simply trying to capitalise on your misfortune?
Debt Collection Agencies
Debt collection is big business. As the use of Debt Collection Agencies (DCAs) increases, so have the number of complaints regarding unfair practices. So what is acceptable and what is unlawful?
Gym Memberships and Unfair Terms
How many of us actually take the time to trawl through the small print when signing up to an agreement for gym membership? Most of us will assume good faith, the record number of consumer complaints regarding these contracts is proof that this can be a false assumption.
shopping Arena
online shopping is a very easy way to perches product at home just go online and select as you like
no travel no tension ,no drive, just go online and search as you need and order online pay online and get at your door step you need your finger tips action and the things in you home
copy past in browser
(http://affiliate-program.amazon.com/gp/associates/network/build-links/individual/main.html)
Shop Amazon - Holiday Gift Cards - Instant Delivery or Free One-Day Shipping
Shop Amazon - Holiday Gift Cards - Instant Delivery or Free One-Day Shipping
Save money on shopping, travel, car care, movie tickets and more!
copy past in browser
(http://affiliate-program.amazon.com/gp/associates/network/build-links/individual/main.html)
Shop Amazon - Holiday Gift Cards - Instant Delivery or Free One-Day Shipping
Shop Amazon - Holiday Gift Cards - Instant Delivery or Free One-Day Shipping
Save money on shopping, travel, car care, movie tickets and more!
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