Simply YES. Consumers’ rights are indeed protected by law. Every service provider and retailer must ensure that their services or products are fit for purpose, that is, well suited for its designated role or purpose. All individuals agree to terms and conditions of these service providers or retailerat the time of purchase, either in writing or by e-signature or simply by a tick box online, but no one ever reads them in details. It is not uncommon for these service providers to breach their obligations or trap innocent consumers into water tight agreement or unfair terms. All service providers and businesses must adhere to the Trading Standards and laws. The statutory rights of Consumers are protected by Consumer Rights Act 2015and accordingly, consumers can issue a claim against the seller or supplier upon discovery of any breach. Additionally, consumers have recourse to Sales of Goods Act 1979, Supply of Goods, Services Act 1982 and Consumer Credit Act 1974.
Are Consumers’ Rights Protected?
- Right for repairs or replacement
- Short-term right to reject the goods
- Right for part refund or full refund
- Right for a reduction in the original price
- Right to redress
- Faulty products or services
- Poor quality products or services
- Non Delivery
- Service or Product warranty Disputes
- Disputes over insurance claims or coverage
- Refund problems with hotels, airlines and tour operators
How Credit Card Claim works?
The number of credit card claim is increasing day by day as there are more people using their credit card to make purchases. It has proven to be very beneficial to make purchases using a credit card because under Consumer Credit Act 1974, you may be entitled for a full refund of the money paid if the products or services have not been fulfilled satisfactorily. A credit card provider is jointly and severally responsible for any breach of contract or misrepresentation by a retailer or service provider. Upon such breach you can make a claim against your credit card company directly to get your money back even if the retailer or service provider has gone bust.
- It covers costs incurred and you may also be entitled to claim for associated costs.
- It applies to foreign transactions as well as goods bought online, by telephone, or mail order for delivery to the UK from overseas.
- It also applies to store cards.
- It does not apply for payments made using debit card or pre-paid cards.
- Claim can be made directly through the card issuer.
- The cost incurred must be more than £100 and less than £30,000.
How To Deal With A Claim?
Most of the time service providers and retailers will remedy the breach or wrong via their complaint procedure or refund policies or terms of warranty. Where your complaint has been ignored or dealt with satisfactorily, you can escalate it to the Ombudsman or alternatively the team at RKM Law will assess the merit of your claim and support you in making one through the Court.
RKM Law has a specialist team to deal with different types of consumer disputes. We aim to resolve your dispute by way of negotiation but if this does not work we will strenuously defend your interest. We’ll guide you through the process and offer you different payment options including, subject to eligibility, No Win No Fee and Fixed Fee.