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Stay Safe Shopping This Year
People looking to pick up a New Year bargain in the sales on the internet, by mail order or on the high street are being encouraged by The Highland Council’s Trading Standards team to be aware of their consumer rights and to stay safe online from scams and fake websites that try to dupe inexperienced online shoppers trying to buy a bargain.
Consumers have extra protection when they shop online.
These rights also apply if you shop over the phone; or from a mail order catalogue; or from a TV shopping channel.
Whether shopping online or on the high street, consumers are also required to be informed of specific information before they enter into a contract.
Here are a few tips to ensure that you are a savvy shopper:
Buying online (distance sales contracts)
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 were introduced on 13th June 2014 and require traders to give you certain information as well as give you cancellation rights when shopping at a ‘distance’.
These regulations have since been their introduction to include “off-premises sales” contracts.
Off-premises sales contracts include sales away from trader or business premises (e.g. a consumers home) as well as distance sales contracts.
Contacting the retailer
Online retailers have to give details of who they are and provide a geographical address and an email address at which to contact them.
Read terms and conditions before you order!
Check out terms and conditions regarding special price offers and sale items to ensure you are getting the price advertised.
Also check for extra charges such as ‘delivery charges’ which may not be added on to your final bill until you confirm your order.
Cancelling your order
You can cancel your order for goods ordered online anytime from the moment you place your order up to 14 days after you receive it.
However, traders can withhold a refund until goods are returned
What you can’t return
There are some items you can't return if you simply change your mind, such as CDs, DVDs or software if you've broken the seal on the wrapping, perishable items such as food and flowers, and tailor-made or personalised goods.
If an online shop doesn't explain who pays to send returned goods back, then they must pay.
Otherwise it is the consumers’ responsibility to return the goods to the trader no later than 14 days after cancellation.
A business can deduct money from a refund if goods have been used beyond reasonable handling.
No fee may be charged for reimbursement of a refund and all payments should be made using the same means of payment, unless the consumer has agreed otherwise.
Reimbursement must be made without delay and no later than 14 days after the trader receives the goods back or has supplied evidence of having sent the goods back.
Provision to prevent hidden costs
The new requirements offer further protection from potential hidden costs in that they:
Prohibit excessive surcharges for payment methods
Trader telephone helplines consumers must not pay more than basic rate of call
Traders must obtain consumers active consent for any additional payments (no tick boxes allowed!)
Remember, if the trader does not provide you with information on your cancellation rights, the cancellation period can be extended by up to 12 months depending on if / when the information was provided.
Further advice and information for consumers can be found at: www.highland.gov.uk/distancecontracts
Buying on the high street and online / Returning faulty goods
New provisions are now provided under the Consumer Rights Act 2015 for both purchases you make ‘off-premises’ (e.g. online) or on premises (e.g. on the high street), in that not only must the seller have the right to sell the goods (i.e. – the person transferring or selling the goods must have the right to do so) but the goods must:
Be of satisfactory quality
Be fit for a particular purpose
Match the description, sample or model
Be installed correctly – where installation has been agreed as part of the contract.
Remedy for breach - Goods (Full Refund)
Short term right to reject (30-day time limit).
If goods do not meet statutory requirements consumer is entitled to reject the goods within 30 days.
(The 30 days starts from purchase; delivery or completion of contract - whichever is later).
A full refund must be given without delay and within 14 days of trader agreeing that the consumer is entitled to a refund.
Burden of Proof
A consumer can also choose (as a remedy) a:
Price Reduction, or
Final Right to Reject
If the fault is discovered within 6 months of delivery, it is assumed that fault was there at time of delivery unless the trader can prove otherwise or unless there are signs of excessive wear and tear or misuse.
If you are claiming repair or replacement more than six months after purchase, the burden of proof is back to YOU, the consumer.
Delivery of Goods – Failure to deliver on time
A consumer can treat the contract as at end if:
The trader has refused to deliver the goods
Delivery of the goods within the time was essential, taking into account all relevant circumstances
The consumer has told the trader that delivery within the time was essential
In all other circumstances the consumer can make time of the essence and then bring the contract to an end
Where there has been no agreement about when the goods will be delivered the goods must be delivered ‘without undue delay’ and in any event ‘not more than 30 days’ after the contract was entered into.
Remember - If the goods that you have bought are faulty or not what you ordered or the goods you have ordered do not arrive or do not arrive on time you have rights against the seller!
Buying presents through and online market place or auction – your rights
An online auction or market place can be a great way of saving money and picking up bargains or unusual presents for Christmas.
However, do be aware that if you buy goods from a private individual and not a business that you do not have the shopping rights.
Buyer beware however, as you can only reject goods and ask for refund from a private individual if the goods you receive are ‘not as described’.
It’s always worth looking at the seller rating and feedback to see what others have said about their purchasing experience with any seller whether it is a business or a private individual.
Always read the terms and conditions of any online auction site before you ‘bid’ online or make a purchase.
Remember to protect your payment
Make your payment either through Paypal or by debit/credit card.
Payments for goods either through Ukash Vouchers or by Bankers draft/cheque are not protected so if the goods your order never arrive, it is unlikely that you can trace your payment or get your money back.
Be safe paying online this New Year
Don’t fall foul of online scams or fraud - take a few simple steps to protect yourself:
Install the right software Make sure you have good virus protection, anti-spyware software and a firewall.
Update your browser Make sure you're using the latest version of your browser, and have it set to the highest security level and install updates when prompted.
Avoid dodgy links - Don't navigate to sites by clicking links in emails or from adverts.
If you’re unsure about the legitimacy of a site, use a search engine to research it.
Do some security checks - Secure sites will display a locked padlock or key symbol in the browser window.
They will also have an address that begins 'https' instead of the usual 'http'.
Choose your payment method wisely - It can be a good idea to get a credit card that you use just for online purchases as it'll make it easier for you to track your genuine purchases.
Also under Section 75 of the Consumer Credit Act 1974 (as amended) you have extra rights if you pay for single items which cost £100 or over, as both your credit card company and the retailer could be equally liable for goods which turn out to be either faulty; mis-described or do not arrive.
Be savvy about your password - If a site asks you to create a password, use a combination of letters and numbers and avoid using passwords that you've used before.
Consumers can talk to an advisor for help and advice from Citizens Advice Consumer Service on 03454 04 05 06 or by going to: https://www.citizensadvice.org.uk/consumer/get-more-help/if-you-need-more-help-about-a-consumer-issue/
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