Time moves on so quickly and now here we are again – it’s the month when many people are focused on their Christmas shopping. So what better time for shoppers to brush up on their rights, be wary of scammers and consider the best credit card deals to make their cash go a little further.
Know your rights on returns
There may have been some impulse buys on Black Friday – and anyone can change their mind. So it’s good to know that shoppers will have around 30 days to return an item for a refund or store credit. It’s important to check the returns policy of the store at the point of purchase to make sure you don’t miss the deadline, or you could be wasting your cash when you think you snapped up a bargain.
Not everyone will be brave enough to approach their retailer for a refund but this could be because they were let down in the past. In fact, a recent study from Citizens Advice found that over half of consumers who approach a retailer for a refund, replacement or repair of a faulty electrical item are turned down. However, consumers are within their rights to complain to the seller. Consumers can return their goods within the first six months of purchase, as stated in the Consumer Rights Act 2015.
In addition, the Consumer Contract Regulations give consumers the right to return any purchase for any reason if bought online or over the phone. In fact, they can cancel an order for goods up to 14 days from the moment the order is placed. There are only a few exemptions, such as CDs, DVDs and games where the packaging seal has been broken – but it’s always worthwhile checking the terms and conditions with the seller. These regulations are designed to make things fairer for consumers, so it’s important to be aware of the rules in place, particularly over the festive season.
Credit card protection
Credit card customers have added protection under Section 75 of the Consumer Credit Act.