Saturday, January 23, 2010

RIGHTS OF CONSUMERS IN CONSUMER PROTECTION LAWS ON DISTANCE TRADING PRACTICES

Consumer Protection Laws on Distance Trading Rights

Author: Eren

RIGHTS OF CONSUMERS IN CONSUMER PROTECTION LAWS ON DISTANCE TRADING PRACTICES

Many consumers in distance trading suffer financial loss or delays in mail order or online shopping -the consumer protection legislation and Distance Trading Regulations, in basic lay terms, are as follows...

In distant trading mail order companies (including in internet shopping or online shopping) in law do not have to tell you your rights -the entitlement to details exists only if you know your rights and ask ~but it is unlawful also in distance trading for mail order traders expressly or by implication (including orally) to mislead you or to seek to restrict the exercise of your rights in consumer laws.

Whether you have ordered goods from a catalogue, newspaper or magazine, television or internet advertisement, be they on approval or not, goods such as a jackets or dress or shoes, music CDs, video cassettes, DVDs or books, whether a one off purchase or periodically by club membership, paid for by cash or on credit, by debit or credit card, in full or in part, there are some consumer rights not commonly known under various consumer laws and mail order schemes which sometimes can save you time, effort, money.

For example, mail order companies must service serviceable goods they sell, and your credit card company also may be liable.

Catalogues usually subscribe to a mail order traders' association whose logo they display, and there are expectations from them…

1. They must provide accurate information about such details as material used, colour, and size, of the goods they advertise, as well as regarding installation and anything that may restrict their use ~they must state any restriction on availability or delivery -as well as all charges involved, including any extra delivery charges.

2. You must be able within a stated period of time, usually two weeks, to return unwanted goods -if faulty or substitute goods (which must be on approval) post paid by them ~and if goods may require servicing you must be given fullest details if you ask.

3. You must be told how to complain should the occasion arise and speedily must be dealt with complaints and sympathetically.

Book or Music Clubs mostly subscribe to a mail order publishers association whose symbol they display and who must investigate complaints in case of failure in the following respects.

1. The main terms of any offer advertised must be stated clearly -must be accurate the details of quality, quantity, price, postage ~they must not be sent you unsolicited without an order (they must be returnable at seller’s expense if on approval); if you sent money it must be acknowledged with despatch date and any delay explained.

2. If you buy regularly you need not give a reason if you wish to cancel after a year, or if price increases exceed the expectation ~if debt collecting they must ensure not to unreasonably bother you.

Mail Order items advertised in a medium with a 'protection scheme' unless 'classified' are protected by advertising practice codes too ~the law requires advertisement to be 'legal, decent, honest, truthful' -'washes whiter than white' is an obvious slogan and fine.

Internet or online shopping is equally covered in the Distance Trading Regulations –whether deliver is by mail or courier.

1. You have the right without giving a reason to inform the seller within seven working days (the day of receipt not counting) that you wish to return the goods. You do not have to actually return them within the cooling off period, e.g., if the seller takes his time to issue a return number. Such a cancellation, in law, is for the whole of the package, unless the seller agrees or can be shown by custom and practice to accept return of individual items -e.g., if its RMA request form asks without more for items wanted to be returned to be marked. If you choose to do so, you must return the goods undamaged. If you have paid money, you are entitled to a full refund within thirty days which must be in 'cash' -not as credit-note, nor voucher (this is an implied statutory term -a term or condition that makes this the seller’s option is void).

In consumer protection laws and Distance Trading Regulations this is so also if goods are faulty or misleadingly described or not fit for the purpose that the seller was told of or enquired from (including orally –e.g., by telephone) or knew or could reasonably be expected to know –in this case you are entitled also to any return costs (e.g., postage). You are entitled to a refund also if the sale was not fair in the circumstances.

The seller's discretion to replace or repair is normally exercisable if, e.g., the defect has been discovered after a long time of use, e.g., six months. Reference in law is to 'goods' as distinct from their wrapping or packaging -not that they must not have been opened or used; but they must be returned in good condition in reason in the applicable circumstance.

(Any seals that the seller may lawfully ask to be agreed not be broken are only such as may be on the goods themselves and of a kind that would not restrict your legal right to try the goods, e.g., to decide whether you like and wish to keep them -except if the item sealed is “computer software or driver disk” [although it is difficult to see how, e.g., a printer or scanner can be tried without the use of its driver disk to see if one likes and wants to be keep or not within the cooling-off period]).

These legal obligations are of the sellers, directly to the customers, and are not affected by any liability on the part of the manufacturer, and any terms or conditions that exclude or restrict consumer rights given by law, e.g., that the customer must contact the manufacturer instead, even if agreed to, are void in law.

Sometimes are involved return or authorisation number request procedures for administrative purposes of the seller -sellers may not, e.g., by refusing to issue an RMA, lawfully refuse receipt of returned goods.

If in relation to returning goods within the seven-day cooling off period the customer mentions a reason [whether asked or not], e.g. that they are faulty or not fit for the purpose, that does not affect the customer’s right to return them within seven days of receipt, and does not entitle the seller to treat such a reasons to, e.g., insist to repair or replace them under any other terms and conditions.

If goods are returned as faulty and the customer states that the return is for refund, any authorisation bars the seller from exercising any otherwise exercisable discretion. Any such 'returns policy' of the seller that, e.g., faulty goods or liability (including for injury or damage resulting from faulty goods) will not be accepted (or that will not be accepted unless made, e.g., within fourteen days of purchase), has no validity in law and any, e.g., internet return-forms that do not open may be tantamount to attempt to unlawfully seek to limit liability or the exercise of the consumer's rights -as well as absence of 'good-will' on the part of the seller and in it's own right make the contract void and be 'unfair trading'.

If you are under age, the seller sells you totally at his own risk, because no contract entered into with a party who is under age is binding, and you may not be held to any terms and conditions in case of any dissatisfaction.



2. If you have paid money for goods to be despatched at the seller's convenience but have not received the goods within thirty days (unless made-to-measure goods or plants or you have agreed to wait longer -when a despatch date must be quoted) you are entitled to a refund -the medium that advertised it must find out if the advertiser has folded and try to get it for you if you claim with full details in reasonable time (normally within two months of ordering from a magazine or three months of the date of a newspaper advertisement -also your credit-card company may help if you paid by credit-card).

Trading Standards, Office of Fair Trading may be complained to -they do not disclose your identity without your consent. If on evidence they have a good reason to prosecute the seller, upon conviction you may claim compensation -including for unnecessarily caused expenses, e.g., postage, travel, correspondence, telephone calls. (But a word of caution: they rarely prosecute at the absence of many complaints or the seller’s not agreeing to amend its trading practices –and (while on the face of it perhaps similar to a police officer’s ignoring a burglary on that ground) not only if a complaint is frivolous but also if it is considered vexatious may they not prosecute.) Your money claim must still be in the County Court or the Small Claims Court.

Suing Consumer protection laws allow arbitration; you may also sue via the internet in the small claims court. If you are suing in the County Court a company you may do so at one local to you, but if suing one or more persons trading as a business it may have to be where it is located. In court protocol you need only send one Letter Before Court to the seller, and you must spell the seller’s name correctly -if a company is limited by guarantee its details are available from the Companies House –including the names of its company secretary and director/s with their direct contact addresses.

Unsolicited Goods in the case of, you do not need do anything -normally the goods become yours if you hear no more for six months or if you inform the seller but they are not collected within a month.

Do keep the receipts for monies paid and any documents.

(Sanctions against traders are not necessarily of lasting effect in the general spirit of lawful distance trading practices: e.g., the Aria Technology Limited was found in 2000 [ICSTIS report no. 81] by omission considered unintentional to have mislead the consumers, and in 2005 [Nominet DRS 02364: Atek –v- Aria] by commission intentionally to have done so. Should you wish legally justifiably in the public interest to alert fellow consumers, there are also consumer comments or consumer complaints sites on the internet where you may lawfully do so.)

(Laws change –always ascertain current law.)

About the Author:

The author's favourite site is: Teacher of Teachers

Article Source: ArticlesBase.com - Consumer Protection Laws on Distance Trading Rights

Consumer protection laws

Consumer protection laws

Author: consumersforum

A consumer in simple terms is that person who buys and purchases items in exchange for a token. Consumer Forum promotes and protects the rights and interests of consumers. Consumer Forum is a means to guard consumer protection rights. Online consumer forums are available in the internet which helps distressed customers to fill up their consumer complaint letter. General public need to keep a constant check of their rights so that their customer rights could be protected. Many people are unaware of their rights and so they become victim of injustice and a Consumer Forum helps customer to demand those rights.

Consumer protection laws are implemented by the Government. Some of the Consumer protection rights are Right to Safety, Right to Information, Right to Choice, Right to be heard, The Right to Redress, The Right to Consumer Education. Consumer forum India has helped many to realize their rights.

Consumer complaints are a legal way of filing a claim. Our Government has assigned us certain freedom and certain consumer protection rights. It is the duty of the organizations and the Government to safeguard these rights.

Consumer forum is a response towards the unending conflict between the customers and their protection. The consumer forums file the complaints of the customers and advice them on the related issues. The aim of consumer forum is to enforce consumer protection. Sometimes customers are not aware of their rights. The interest of the customers can be protected by encouraging healthy competition in the market which serve the customers and not harm their veracity. These complaints can be registered in a consumer forum.

Consumer Law is part of the Civil Rights practice, as well as Constitutional Law, Discrimination, Human Rights, Native Populations, Privacy Law, Public Law, and Sexual Harassment. Consumers are the largest economic group in a country’s economy, affecting and affected by almost every public and private economic decision. Consumers should be protected against the marketing of goods which are injurious to health or life. They should be assured, wherever possible, should get accessed to a variety of products and services at competitive prices and in those industries where competition is not workable and Government regulation is substituted, an assurance of satisfactory quality and service at fair prices. Consumer interests will receive full and sympathetic consideration in the formulation of Government policy and he will get fair and prompt action in its administrative committee. Consumers are given rights so that they could appeal to the Government against violation of their rights and can restore it.

Sometimes we don’t find the right platform to protest against any malformation. Here in Complaints Forum one can complain against any product or services which is engaged in deception or specified unfair practices from gaining an advantage over competitors.

Consumer forum paves the way for communication between different people on matters related to customer complaints. Customers in a consumer forum fill up a form to register their complaints. The complaints are then reviewed and necessary measures are then taken. Thus, consumer complaint helps public appreciate their value as a customer.

About the Author:

Ashish Prakash has a 10 long year’s of career expertise of working as a content writer. Throughout the years, Mr Prakash has been writing content about the consumer related issues and has developed in-depth knowledge about the commandment followed for the consumer forum, Consumer Complaint, customer complaint rights.

Article Source: ArticlesBase.com - Consumer protection laws

How to Protect your Assets

How to Protect your Assets

Author: McDonald Law Group

What is asset protection?





Asset protection is the legal safeguard of your assets. Every state has enacted laws which allow individuals to legally protect their assets from future creditors. Asset protection is not an attempt to defraud creditors, which is a criminal offense. Asset protection is not hiding your assets; it is a properly structured plan which allows the debtor to reveal the nature and structure of the plan without sacrificing its integrity.





Why do I need to protect my assets?





Sadly, legal action has become a part of our daily lives. Whether you are a millionaire real estate investor or a single family home property owner, you should protect the assets you strive so hard to gain. Even the most careful individual can be involved in an accident that can lead to a litigation action that may leave them open for liability. Being proactive can save you thousands of dollars and protect the assets you work so diligently for.





Types of protection





While there are legal, financial, and tax consequences of each of the following types of asset protection that should be discussed with legal representation we have listed a few to start you thinking about your options.





Estate Planning- Recent events in the Terri Shrivo case have highlighted the importance of estate planning. This case demonstrates not only the financial impact of assets protection, but also the emotional issue that can arise when a person has not created estate documents. The most common type of estate planning protection is the creation of trusts. Trust creation is cost effective and easy. The creation of a trust can protect assets for future generations.





Corporate Formation- Corporate formation should be used to protect not only businesses but other types of assets that can be attached by creditors. Nevada corporate law and Nevada licensing rules make it very easy to create a corporate entity to protect assets of a business. Whether that business is the operation of a multimillion dollar company, a rental property, or a dog sitting business, setting the business up as a separate entity can protect your individual assets from creditors in the event your business is found liable for damages in a civil litigation.





Other asset protection devices- A properly drafted Nevada contract can protect your assets by including strong indemnification language which requires the other party to protect you in the event of litigation. Prenuptial agreements can also be a strong tool in protecting your assets. A well drafted prenuptial agreement can prevent future issues leading to the loss of assets, Nevada divorce, and child support issues. Offshore trusts can also work as important asset protection tools.





These are just a few types of asset protection tools that can be implemented by a licensed Nevada attorney to shelter your assets. You should consult a Nevada lawyer and develop a plan that helps you to keep the assets which you work so hard to procure. If you have any questions regarding this article or would like to discuss asset protection with one of our attorneys, please call us at (702)448-4962 or visit our web site at www.mcdonaldlawgroup.com to set up a free consultation.





Disclaimer: The McDonald Law Group provides the information in this web site for informational purposes only. The information does not create an attorney-client relationship constitute legal advice.

About the Author:

The McDonald Law Group's attorneys and staff will provide you with the time, attention and understanding necessary to assist you in resolving your matter as quickly and efficiently as possible. Our goal is to provide our clients with representation based upon experience, determination, and integrity. For more information please check out our web page at www.mcdonaldlawgroup.com.

Article Source: ArticlesBase.com - How to Protect your Assets