Black Friday and Cyber Monday are coming up on November 29th and December 2nd, 2019, so make sure you stay safe and savvy when shopping.
Here are our top tips to help you check your consumer rights, stay within budget and avoid scams on the busiest shopping weekend of the year – and all the year round.
You should know that even though prices are reduced, your consumer rights are fully protected.
If you change your mind about a purchase
Unless you made your purchase online, shops aren’t legally required to accept returns for unwanted goods. Despite this, the shop may choose to have its own returns policy. If it does, they must honour it, so it’s worth checking your receipt.
However if you buy online, unless it’s bespoke or made to measure, by law you will get an automatic 14-day cooling off period. This starts the day after you receive your order, and there doesn’t need to be anything wrong with the item for you to get a refund.
If you’re worried your purchase is faulty
If something’s gone wrong with an item you’ve bought, you may be entitled to a refund. You’ll have legal rights if you unwittingly bought an item that is broken or damaged, unusable, not what was advertised or doesn’t match the seller’s description.
You’ll have to move quickly, as you only have 30 days to return something that’s faulty with the guarantee of getting your money back. Your rights don’t end after 30 days, though after this period the retailer doesn’t necessarily have to refund you, instead they have the option of repairing or replacing the faulty product.
If you’re worried about scams
Be careful not to end up with a counterfeit item. Secure websites should start “https” and have a padlock symbol in the taskbar – take a look at your taskbar when using our website, above, to see what we mean. Be wary of spelling or grammar mistakes, and companies that don’t provide an address.
Also seek out reviews from other buyers as these can help you decide whether or not you trust the seller. If there is a lot of negative feedback from other people, it’s a sign that something’s not right.
If you’re worried that something you’ve seen online might be a scam, you can contact a Citizens Advice Scams Action adviser by calling 0300 330 3003. Alternatively you can visit any of the local Citizens Advice centres in West Sussex.
It’s the seller’s responsibility to make sure the item is delivered to you. If the seller used a delivery company, they should chase the company to find out what’s happened to your order – it’s not your responsibility.
Check the delivery address you gave the seller. Then contact them and ask where your order is.
Stay within your budget:
As well as making sure you’re clued up on your consumer rights, don’t get roped into buying something you can’t afford. Citizens Advice offers the following tips to make sure you’re staying within your budget:
- Spend time shopping around, researching what deals are on offer and getting advice.
- Always look at the total amount you will have to repay when borrowing money. A shorter repayment period may be better than a slightly lower Annual Percentage Rate (APR) amount.
- Take care when looking at buy-now-pay-later deals. It might seem like a good option but you’ll need to make sure you pay on time in future. If you don’t these deals can be very expensive.
- Never borrow money on the spur of the moment. Think about payment options beforehand. Work out your budget and stick to it so that you can afford the repayments.
Jason Mather, Service Delivery Manager at Citizens Advice in West Sussex (North, South, East), says:
“At this time of year many people may feel the pressure to part with their money.
“It is important that anyone thinking about turning to credit or taking out a loan to help pay for purchases understands the full costs involved and if they can actually afford to pay it back.
“If you are struggling with your finances, it is important to do something about it as soon as possible. You can get free debt and money advice from Citizens Advice to find a way forward and avoid spiralling debts.”