Category: Consumer
“Consumer” legal articles cover everyday issues that affect people when they buy things or deal with businesses. They explain your rights as a consumer, like what happens if you buy something that breaks or if a company doesn’t deliver what they promised. These articles also talk about common problems like misleading ads or scams. Whether it’s understanding contracts, sorting out disagreements, or knowing your rights under consumer protection laws, these articles give you the info you need to make smart choices and stand up for yourself when you’re shopping or dealing with companies.
Insurance: UK Legal Overview
Understanding Insurance and Your Consumer Rights Insurance is a way to protect yourself financially from unexpected events, such as accidents, illness, or damage to your property. When you buy an insurance policy, you pay regular payments (called premiums) to an insurance company. In return, the insurer agrees to cover certain costs if something goes wrong,…
How to Contact an Ombudsman in England for Consumer Complaints
What is an Ombudsman? An ombudsman is an independent and impartial service set up to help resolve disputes between consumers and businesses. If you have a complaint about a company and you’ve already tried to sort it out directly – without success – an ombudsman can step in to review your case. Their main role…
How Long to Get an Insurance Offer After a Medical Exam?
Introduction to Waiting Times After Insurance Medical Exams When you apply for certain types of insurance in the UK – such as life insurance, critical illness cover, or income protection – your insurer may require you to complete a medical exam. The main purpose of this exam is to give the insurer a clear picture…
Travel Insurance for Accidents and Illness When Travelling
Introduction to Accidents and Illness When Travelling Independently Introduction to Accidents and Illness When Travelling Independently Travelling independently means organising your own trip without the help of a tour operator or package holiday provider. This could involve booking your own flights, accommodation, and activities, whether you’re heading abroad for a city break, a backpacking adventure,…
Issues With Buying or Repairing a Car
Introduction to Issues With Buying or Repairing a Car When buying or repairing a car in the UK, it’s not uncommon to face problems such as discovering faults, receiving a car that isn’t as described, or being unhappy with the quality of repairs. Whether you’ve bought a new or used vehicle, or taken your car…
How to Find and Check a Trustworthy Trader in the UK
Why It’s Important to Find a Trustworthy Trader When you hire a trader – whether for home repairs, renovations, or other services – trust is essential. Choosing someone unreliable can lead to a range of problems, from shoddy workmanship and unfinished jobs to outright scams where you lose your money and get nothing in return.…
How to Complain About Mis-Sold PPI and Claim Refunds
What is Mis-Sold PPI? What is Mis-Sold PPI? Payment Protection Insurance (PPI) was designed to cover repayments on loans, credit cards, or mortgages if you became unable to pay due to illness, accident, unemployment, or death. While PPI itself is a legitimate insurance product, it became the centre of one of the UK’s biggest financial…
Making a Claim on Travel Insurance: Legal Overview
Understanding Travel Insurance Claims When you buy travel insurance, you’re protecting yourself against unexpected problems while you’re away from home. Travel insurance can help cover costs if your trip is cancelled, your luggage is lost or delayed, or you face a medical emergency or accident abroad. Making a claim on your policy means asking your…
Consumer Help with UK Law: An Overview
Understanding When You Need Extra Help When you buy a product or service in the UK, you have certain rights under laws like the Consumer Rights Act 2015. For example, you’re usually entitled to goods that are as described, fit for purpose, and of satisfactory quality. Most problems can be sorted by contacting the seller…
How to Complain About Unfair PPI Commission Charges
Understanding PPI Commission Charges Understanding PPI Commission Charges When you took out a Payment Protection Insurance (PPI) policy, you may not have realised that part of what you paid went towards commission for the provider or broker. PPI commission is a fee that lenders or insurers charge for arranging the policy, and it is often…
