Information provided applies to England & Wales
Your rights if you borrow money or buy goods using a credit agreement. Also includes hire purchase and other agreements, where you do not own the goods until you have made all the payments.
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Myths shops want you to believe...
Some traders will tell you anything to make you go away, rather than just give you your money back. *Here's a handy look at the most common highstreet fibs, and the truth behind them...
What’s a contract?
...We all make agreements with other people every day. But not all of those agreements are legally binding contracts. This guide looks at what a contract is, what your rights are, how to end a contract and what to do if something goes wrong.
Credit (PDF)
www.adviceguide.org.uk/scotland/d_credit_fact_sheet....
Information on credit including what the law says about credit, what happens if you are refused credit and credit reference agencies.
Adviceguide from Citizens Advice www.adviceguide.org.uk/
What type of plastic? (PDF)
www.oft.gov.uk/shared_oft/consumer_leaflets/credit/o...
If you decide to use a card to buy goods or services this leaflet will help you choose which one is best for you.
Office of Fair Trading- OFT www.oft.gov.uk/default.htm
Types of credit
www.thesite.org.uk/homelawandmoney/money/creditandde...
Borrowing money has become tougher since the credit crunch, but there are still several different ways to do it.
TheSite www.thesite.org
Hire Purchase debt
www.nationaldebtline.co.uk/england_wales/factsheet.p...
Explains what Hire Purchase is, and what to do if you fall behind with payments on a Hire Purchase agreement. Explains your rights and the rights of your creditors.
National Debtline www.nationaldebtline.co.uk/england_wa...
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