As the annual Black Friday and Cyber Monday sales approach, advisors from DAS Law are sharing valuable tips for consumers, aiming to protect their rights and promote informed shopping during the year’s biggest online sale events.
Top Tips for Consumer Rights
When it comes to online shopping, it’s essential to understand your legal rights and avoid potential pitfalls. DAS Law’s legal experts provide answers to common questions and misconceptions, empowering shoppers to make better decisions this Black Friday.
1. 14-Day Return Policy for Online Purchases
For items purchased online, consumers have the right to return goods within 14 days from the date of delivery, even if there’s nothing wrong with the item. However, consumers should carefully check the return terms; while refunds generally cover the cost of the item and standard delivery, consumers may still need to cover return shipping. DAS Law recommends familiarising yourself with each retailer’s terms to avoid unexpected fees.
2. Payment Security: Why Credit Cards Are Safer
A credit card is the most secure method for online shopping, offering protection under Section 75 of the Consumer Credit Act. This legal safeguard applies to purchases between £100 and £30,000, allowing consumers to pursue compensation from the card provider if an issue arises, such as non-delivery or faulty items. If paying with a debit card, some protection may be available through the chargeback scheme, although coverage varies. DAS Law suggests checking with your card provider about available protections before purchasing.
3. Understanding ‘Subscription Traps’
Subscription traps often found in “free trial” offers have become a major concern, prompting regulatory scrutiny. These traps involve automatic renewals after an initial low-cost or free period, often without clear terms. To avoid unplanned charges, consumers should always read the fine print and cancel any subscriptions they don’t wish to continue. Continuous Payment Authorities (CPAs) allow retailers to charge consumers indefinitely until cancelled. Consumers can cancel these payments through their bank, with refunds potentially available if the charge was unauthorised.
4. Who’s Responsible for Delivery Damages?
If your online purchase arrives damaged, the retailer is responsible if they arranged the delivery, as outlined in the Consumer Rights Act 2015. DAS Law advises consumers to inspect deliveries upon arrival. For items delivered by a courier you selected, the liability may shift to the courier rather than the retailer. DAS Law recommends selecting a reliable delivery option, especially for high-value purchases.
5. Navigating Price Adjustments During Sales
Many shoppers wonder if they can receive a refund or price adjustment if they find an item discounted after purchase. Legally, retailers aren’t required to match the reduced price or offer a retroactive discount. However, some retailers allow returns within a specified period, enabling consumers to buy the item again at the lower price. DAS Law suggests checking the store’s policies and acting quickly if you find a better deal.
6. Tips for International Purchases
For online purchases from international websites, using a credit card is often the best approach to ensure payment security. Many UK consumer protections don’t apply internationally, so consumers may need to rely on credit card protections if issues arise. PayPal and similar platforms offer additional layers of security, although they have their own terms that consumers should review. DAS Law encourages buyers to choose payment methods carefully when shopping from international sites.
7. Posting Negative Reviews: Know Your Rights
Consumers concerned about retaliation from a business over a negative review can rest assured. As long as a review is factual or represents an honestly held opinion, it’s unlikely to be considered defamatory. DAS Law notes that most businesses respect constructive feedback, making it rare for companies to pursue legal claims against consumers over honest reviews.
8. Protecting Yourself from Subscription Traps
A ‘subscription trap’ occurs when a consumer is unknowingly signed up for ongoing payments after a trial period. This is typically done under the guise of a ‘free’ or ‘low-cost’ trial, with automatic renewals that continue until the consumer cancels. Subscription traps are an area of regulatory concern, and government action may further address these issues in future. DAS Law advises consumers to read the terms of trial offers carefully and to use a cancellation reminder if unsure about continuing with the service.
A Note on Contracts for Immediate Services
If you’re signing up for services that start immediately, such as gym memberships, you may have limited options to cancel without financial consequences. While consumers still retain a 14-day cooling-off period for contracts, charges may apply for services used during this time. DAS Law highlights that consumers should carefully review contract terms before committing, particularly around the holiday season when special offers might feel urgent.
Preparing for the Shopping Season
With Black Friday around the corner, consumers are eager to score the best deals, but it’s crucial to shop with awareness. DAS Law’s consumer rights advice aims to help shoppers avoid legal pitfalls, make secure transactions, and protect their rights during these large-scale sales events. DAS Law suggests that shoppers stay informed, especially around terms that could impact refunds or returns and purchase only from trusted retailers.
Additional Protection through PayPal and Other Payment Services
For those who don’t use credit cards, alternative payment services like PayPal can provide additional security, especially for online shopping. However, PayPal’s buyer protection is subject to specific terms, so consumers should be aware of these conditions before making purchases. DAS Law highlights the importance of reviewing payment provider terms to ensure maximum security and reduce the likelihood of financial loss.
Disclaimer: This Guidance Does Not Constitute Legal Advice
DAS Law reminds consumers that this guidance provides general information about consumer rights. It is not formal legal advice and does not establish an attorney-client relationship.
Conclusion
DAS Law’s tips provide consumers with the tools they need to navigate Black Friday and Cyber Monday safely and confidently. By knowing their rights around refunds, subscriptions, and payment protections, consumers can shop smarter and avoid common traps. For any concerns or specific legal advice, DAS Law encourages consumers to reach out to qualified legal professionals.