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Bought something that is broken, faulty, or not as described? Under the Consumer Rights Act 2015, you have strong legal rights when goods are not of satisfactory quality, not fit for purpose, or not as described. Your rights depend on when you bought the item, where you bought it, and how you paid. Within the first 30 days you have a short term right to reject faulty goods for a full refund. Between 30 days and 6 months the retailer must prove the goods were not faulty when sold. After 6 months the burden shifts to you to prove the fault was present at the time of purchase. If you paid by credit card, you may also have protection under Section 75 of the Consumer Credit Act. This tool analyses your specific situation and tells you exactly what you are entitled to and what steps to take next.

Writing a formal complaint letter is often the most effective first step when you have a dispute with a company. A well written letter that references the correct consumer law carries much more weight than a phone call or email. Under the Consumer Rights Act 2015, goods must be of satisfactory quality, fit for purpose, and as described. Services must be carried out with reasonable care and skill. If these standards are not met, you are entitled to a remedy. This tool generates a professional complaint letter tailored to your situation, whether you are dealing with faulty goods, poor building work, a ruined holiday, or bad service. The letter references the specific legislation that applies to your case and gives the company a clear deadline to respond.

One of the most common questions in consumer law is whether you can get your money back. The answer depends on several factors including why you want a refund, how long ago you bought the item, where you bought it, and how you paid. Many people do not realise that shops are not legally required to offer refunds if you simply change your mind about something bought in store. However, if goods are faulty, not as described, or not fit for purpose, you have a legal right to a remedy regardless of the shop refund policy. Online purchases have additional protection under the Consumer Contracts Regulations 2013, which give you a 14 day cooling off period. This tool gives you a clear answer based on your specific circumstances.

Dealing with a builder who has done poor work, disappeared mid job, or is demanding extra money is one of the most stressful consumer disputes. Under the Consumer Rights Act 2015, any service you pay for must be carried out with reasonable care and skill, within a reasonable time, and for a reasonable price if no price was agreed in advance. If these standards are not met you are entitled to a repeat performance or a price reduction. This tool gives you a step by step action plan based on your specific situation, including how to document the problems, how to formally complain, your options for getting the work put right by someone else, and how to recover your money through the small claims court if necessary.

Buying a faulty car is one of the most common and expensive consumer disputes. Your rights depend heavily on whether you bought from a dealer or a private seller. If you bought from a dealer, the Consumer Rights Act 2015 gives you strong protection. Within the first 30 days you can reject a faulty car for a full refund. After 30 days the dealer must be given one opportunity to repair or replace. If that fails you can request a refund, though a deduction for use may apply. If you bought on finance through HP or PCP, the finance company is jointly liable under the Consumer Credit Act. Private sales offer much less protection as the principle of caveat emptor (buyer beware) applies, though the car must still match any description given. This tool analyses your specific purchase and tells you exactly where you stand.

Section 75 of the Consumer Credit Act 1974 is one of the most powerful consumer protections in UK law, yet many people do not know about it. If you paid for goods or services costing between £100 and £30,000 using a credit card, the credit card company is jointly liable with the seller if something goes wrong. This means you can claim your money back from the card company even if the seller has gone bust, refuses to help, or is based overseas. Crucially, you do not need to have paid the full amount on the credit card. Even a small deposit on credit card can trigger full Section 75 protection for the entire purchase. This tool checks whether Section 75 applies to your situation and explains how to make a claim.