The Independent newspaper has conducted an investigation into the activities of various payday loan companies, discovering that almost two thirds of those approached have no valid consumer credit licence and are therefore trading illegally.

Under the Consumer Credit Act 1974, businesses that lend money need to have a 'Category A' consumer credit business licence.

Question: I bought a case of 7up from Tesco. The best before date shown on it is 6 months old. After drinking, it tastes different .What should I do to ask for compensation?

Discussion: The first thing you should do is take the drinks back to the shop and complain. They will most likely give you a refund and possibly some kind of small compensation. They are not legally obliged to do anything else since you have not been harmed by the product.