When choosing a loan make sure you do your research and shop around.
When thinking about getting a loan make sure you know your rights.
A guarantor is someone who is prepared to pay off your loan if you are unable to do so.
If you are struggling with your repayments, it is important to get help quickly.
In the event you don’t make your repayments your lender may be entitled to take and sell some of your property to pay your loan. This is called repossession.
Kids under 3 struggle to cough things up if they get stuck in their throat.
If your goods have been repossessed and sold to pay down your loan, any remaining debt you have on that loan must be frozen.
The Consumer Guarantees Act gives you some automatic rights when you buy from a trader, whether in store or online.
Traders who sell online must make it clear that they are in trade.
You have the right to ask for a repair, replacement or refund for products and services, but you may not always be entitled to these remedies.
When you purchase goods from a trader you may be offered an extended warranty. An extended warranty is different to an everyday warranty, because it is purchased at an additional cost.
You have the right to say no to an offer from a door-to-door salesperson – if you don’t understand what they are proposing or feel pressured, don’t agree to anything.
Buying from mobile traders can be a convenient option but make sure you understand all the terms of the contract, including the total price you will pay, before you sign up.