Buying on credit is something most of us do these days, even if we have the cash to pay for things we want.
The Consumer Credit Act is the main piece of legislation that governs how credit providers must treat consumers.
It contains important provisions, including your rights in relation to your credit files, and the extra [...]
Contracts aren’t just for complicated things – we enter into contracts all the time, for example, when joining a gym, switching energy supplier, buying something from the internet, taking out a loan, or having a tradesperson fix a boiler.
Contracts can be written or verbal, but it’s always best to get a written contract if you [...]
When you buy goods you enter into a contract with the seller of those goods. Under the Sale of Goods Act 1979 goods must be:
* ‘as described’,
* ‘of satisfactory quality’, and
* ‘fit for purpose’ – this means both their everyday purpose, and also [...]
Mortgage exit fees explainedExit fees explained
Mortgage exit administration fees (MEAFs) – or mortgage exit fees for short – are charged by lenders when you change mortgage contract. If, for example, you switch providers at the end of a fixed-rate period, or you pay off your mortgage, you’ll probably have to pay an exit fee. According [...]
When you’re shopping, whether it’s for groceries, an expensive new television or a holiday, you have a right to expect the prices you see to be accurate and clear. There shouldn’t be hidden extras, or bogus claims about price reductions. But that doesn’t mean that a shop always has to sell you something for a [...]
