Podcast
Questions and Answers
What are the three types of contracts recognized by the new law?
What are the three types of contracts recognized by the new law?
- Goods, Digital, Financial
- Services, Insurance, Digital
- Services, Goods, Financial
- Services, Goods, Digital (correct)
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 apply to all contracts agreed on or after 13 June 2014.
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 apply to all contracts agreed on or after 13 June 2014.
True (A)
Which of these sales does the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 NOT apply to?
Which of these sales does the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 NOT apply to?
- Off premises sales
- Gambling
- On premises sales (correct)
- Financial services
What is the "Obligation to pay"?
What is the "Obligation to pay"?
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 require retailers to charge a minimum for phone calls.
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 require retailers to charge a minimum for phone calls.
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 allow for hidden charges in contracts.
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 allow for hidden charges in contracts.
Consumers are required to pay for all work done prior to cancelling an order.
Consumers are required to pay for all work done prior to cancelling an order.
Consumers have 14 days to return goods and receive a refund, regardless of whether the goods have been used.
Consumers have 14 days to return goods and receive a refund, regardless of whether the goods have been used.
When the main contract is cancelled, all related contracts are also terminated automatically, such as insurance cover or finance.
When the main contract is cancelled, all related contracts are also terminated automatically, such as insurance cover or finance.
Flashcards
Consumer Contracts Regulations 2013
Consumer Contracts Regulations 2013
A law that protects consumers when buying goods, services, or digital content online or by other distance methods.
Cooling-off period
Cooling-off period
The time consumers have after signing a contract to reconsider and cancel it without penalty, primarily focused on distance or off-premises contracts.
Trader's obligations
Trader's obligations
Duties of a seller or service provider regarding clear contract information, cancellation rights, and avoiding hidden charges.
Consumer's responsibilities
Consumer's responsibilities
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Cancellation rights
Cancellation rights
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Hidden charges
Hidden charges
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Distance selling
Distance selling
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Off-premises contracts
Off-premises contracts
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Refund timeframe
Refund timeframe
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Study Notes
Learning Objectives
- Consumer protection during online purchases is discussed
- Consumer protection when buying goods and services through online methods is examined
Recap of Week 6
- Contract terms are tested for fairness.
- Unfair terms are legally binding on consumers.
A Nation of Online Shoppers
- One-third of Northern Ireland residents shop online.
Consumer Contracts (Information, Cancellation, and Additional Charges) Regulations 2013
- Replaces Distance Selling Regulations 2000 and Cancellation of Contracts made in Consumer's Home or Place of Work Regulations 2008
- Became law in December 2013 and applies to contracts made on or after June 13, 2014.
Contract Applicability
- Does not apply to on-premises sales, business-to-business (B2B) transactions, financial services, or distance sales of gambling or prescription drugs.
Contract Types
- Services: haircuts, building work, computer repairs
- Goods: furniture, food, footwear
- Digital: e-books, phone apps, ringtones, downloads, games
Highlights
- Longer cooling-off periods for contracts
Trader Obligations
- Provide clear, understandable information on payment obligations.
- Provide easy-to-understand information and phone calls at minimum cost
- Ensure consumers are aware of cancellation rights
- No hidden charges
- Deliver products as promised
Consumer Obligations
- Consider purchases carefully.
- Pay for services before cancelling an order.
- Clearly communicate cancellation requests.
- Promptly return products in good condition.
Information Requirements
- Who pays for returns?
- Payment methods used
- Information regarding delivery restrictions
- Expected delivery dates
- Product/service descriptions
Exceptions
- Perishable goods
- Hotel bookings
- Personalized goods
- Vehicle rentals
What's New
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Download cancellations allowed up to the point the download begins.
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Covers auction websites such as Amazon and eBay
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Refunds are issued within 14 days of cancellation, but not until goods are returned.
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Consumers have 14 days to return goods.
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Traders can deduct money if items are used.
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Related contracts terminate automatically (e.g., insurance) when the main contract is cancelled.
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Trading Standards Service enforces these laws in Northern Ireland.
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