Know your rights when electrical goods don't work

Posted by George Coburn in Personal Finance on 1 December 2016 - George is a Credit Analyst at checkmyfile

Consumers are being urged by the Citizens Advice Bureau to brush up on their rights when it comes to purchasing electrical goods that turn out to be faulty. The charity warns that too many people are being denied their rights by companies, who refuse to repair or refund, leaving them out of pocket with items that don’t operate as intended.

According to a survey conducted by Citizens Advice, around two thirds of consumers experienced problems with faulty goods and a quarter of those questioned said they’d experienced difficulties getting the matter resolved with the seller. What many people don’t realise is that it is the retailer, not the manufacturer, who need to solve the problem so if you feel you’re being palmed off to the manufacturer, it is possible this is a breach of your consumer rights.

To help combat the matter, Citizens Advice has teamed up with the Chartered Trading Standards Institute and the Department of Business, Energy and Industrial Strategy to promote consumer rights through a National Consumer week campaign. The aim is to raise consumer awareness on their rights and what to do if things go wrong.

Speaking about the launch of the campaign, Chief Executive of Citizens Advice, Gillian Guy said, “People shouldn’t be left out of pocket because an item they’ve bought is faulty.

“It’s important to understand your rights so you know when a retailer has to offer you a solution. While some shoppers faced resistance at first, the majority did get the repair, refund or replacement they were entitled to - so don’t be afraid to stand your ground.

“Retailers must also recognise their responsibilities to shoppers so they know when to help people, instead of turning them away.”

Of those surveyed, a common theme was consumers being sent incorrectly by the retailer to the manufacturer (28%) which only delayed matters. Despite this, it did find that those who were persistent with retailers often got some form of redress. What Citizens Advice have concluded about the matter is it appears both consumers and retails aren’t clear on what the correct processes are for when electrical goods go wrong.

Generally speaking Citizens Advice recommend not tampering with faulty goods because this could prevent you from getting a replacement or refund. When an item is faulty, it should be returned to the retailer and the consumer shouldn’t be expected to cover the cost of sending it back to the seller.

Check Your Multi-Agency Credit Report

30 Day Free Trial

The Limitation Act 1980 and Debt Time limits

The majority of credit consumers believe that once a debt has been acquired, that debt will remain until the full balance has been cleared regardless of the length of time passed. This may not be the case though, thanks to a little-known piece of legislation known as the Limitation Act 1980.

Published on 19 Sep 2018 by Erika Bone

Full Article

UK Households More Likely to be Borrowers Than Savers

UK Households are now more likely to be borrowers than savers, with savings at their lowest since 1963, according to a study by the Office for National Statistics. Households are increasingly borrowing more – by taking out loans, mobile phones, car finance, and mortgages – than they are actively depositing into savings accounts.

Published on 3 Sep 2018 by Sam Griffin

Full Article

Wonga Administration: What it Means For You

On Thursday 30th August the payday lender Wonga filed for Administration, following a spike in compensation claims and increased pressure on the payday loans industry. This follows a steady decline in this form of lending since the FCA began introducing stricter regulations 2013 in the name of protecting consumers.

Published on 31 Aug 2018 by Jamie Mackenzie Smith

Full Article

How a Baby Name Can Affect Creditworthiness

A lot of preparation (and usually arguing) goes into choosing a baby name – books, ‘top 100’ lists, place names, family names – the list of possibilities is endless. The trouble is, most parents don’t give much thought to the long-term impact of the name they decide on, beyond checking to make sure it doesn’t sound ridiculous when paired with the last name or that when put into initials it doesn’t spell something unfortunate.

Published on 19 Aug 2018 by Jamie Mackenzie Smith

Full Article

The Advantages & Disadvantages of Store Cards

There are a number of reasons you might take out a store card: whether you’re just waiting in-line at the shop and find out you can save on today’s shopping or they offer the promise of making money in the future, these cards regularly find their way into wallets (or phones via an app). Most big retailers offer their own cards, which allow you to take your purchases home – often with a nice discount applied – without having to part with a penny at the till.

Published on 10 Jul 2018 by Tom Blandford

Full Article

What Happens To Your Credit Report When You Move Country?

Moving from one country to another results in a lot of changes and new things – a new place and culture, new job, new people and in some cases even a new language. However, one thing lots of people do not realise is that you will also be starting afresh when it comes to your Credit Report. Credit Reports and the information they contain are country-specific and do not follow you from one country to another.

Published on 27 Jun 2018 by Kirstie Day

Full Article

What To Do If You’re a Victim of Data Breach

Another day, another high-profile data breach, with the morning news bringing word of another leak of personal information that affects millions of consumers. This time it’s the turn of Dixons Carphone - the company behind PC World, Currys and Carphone Warehouse.

Published on 14 Jun 2018 by Jamie Mackenzie Smith

Full Article

What Does Bongo Know About You?

“What does Bongo know about you?” A slightly off-the-wall question I’ll grant you, but one that you might have been asked at some point in time.

Published on 7 Jun 2018 by Richard Catlin

Full Article

Why Don’t Millennials Take Out Credit?

As a millennial, it can feel like my generation is besieged with criticisms on a daily basis, and not all of them are entirely fair (though lots are). We are frequently told that as a generation we are entitled, we have it so much easier than our elders and arguably, worst of all: we buy too many avocados. While I don’t buy avocados, I do have access to credit, which makes me a minority among my age group.

Published on 16 May 2018 by Beth Jennings

Full Article

Why Is My Loan Balance Wrong On My Credit Report?

One of the single most important pieces of information to appear on your credit file is the information relating to your credit agreements and how you repay them - with this information lenders can see your borrowing history across the last six years and use it to help them decide whether or not to offer you finance.

Published on 7 May 2018 by George Coburn

Full Article
keyboard_arrow_left

keyboard_arrow_right

We have loads of great customer reviews