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- What to do when a company has gone into administration
What to do when a company has gone into administration
Unfortunately, due to the current financial climate, more and more companies are going out of business, and this can leave many of us high and dry, with little or no form of redress when things have gone wrong.
There are a few steps that we can take to try to resolve outstanding issues:
- Find out whether an administrator has been appointed - details can often be found on the company's website, or in the press.
- If an administrator has been appointed, write to them and log your claim attaching any copies of paperwork which may help to prove your claim, the method in which you have made payment is also very important in this type of situation.
- If your claim relates to individual items which were purchased for over £100 (but not more than £30,000), and a portion or all of the amount was paid for using a credit card, then you may have an "equal liability" claim against the credit card firm.
- You are well advised to write to the credit card firm, attaching any copies of paperwork which may help to prove your claim, stating that they are "equally liable" for your claim under section 75 of the Consumer Credit Act 1974.
- If, however, you have purchased the goods using a Visa debit card or a Mastercard debit card, it is worth contacting your bank to see if you are able to be reimbursed under a Charge Back Scheme. You will need to contact your bank within 120 days of realising that there is a problem.
- It is important to note that unlike the protection offered when using a credit card, there is no legal obligation on the bank when payment has been made using a debit card, it is merely a scheme.
If your situation is still unclear or unresolved, you can call the Government-funded Consumer Direct helpline between Monday to Friday 9am - 5pm to speak directly to an advisor who may be able to offer more personalised advice. The number is 08454 04 05 06.
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- Consumer Direct
A wide range of goods and services are sold to people at their own home. This type of trading can be useful for many consumers. Many traders are honest and genuine. However, some are not and can be extremely persuasive. There is evidence of bad practices and consumer detriment in this selling practice.
Many traders who call at your door are honest and genuine. However, some are not and can be extremely persuasive. Examples of bad practices associated with cold calling and doorstep selling include pressure selling, unfair contracts, overpriced or substandard home maintenance or improvements, phoney consumer surveys and bogus charity collections.
So, there's something you want to buy - a car, perhaps, or a computer? Or you're thinking of getting some home improvements done, or perhaps paying for private healthcare? Read on to make sure you get the best deal.
The following gives an overview of the different groups that are involved in the sale and distribution of event tickets. Additional groups are involved in the sale of sporting and special event tickets.
Be careful - some companies use dubious tactics to sell timeshare or membership of holiday clubs. For example, you may be offered a prize or a gift to persuade you to attend a presentation where you will be under a lot of pressure to sign on the spot. Unless you are seriously considering buying from the company concerned, do not go.
Identity theft occurs when someone pretends to be you. Criminals find out your personal details and use them to open bank accounts and get credit cards, loans, state benefits and documents such as passports and driving licenses in your name. Your identity can be stolen in many different ways, so it is important to be vigilant and take steps to avoid being a victim of identity theft.
Rather than being a chocolate biscuit snack used as a treat for kids, the word cookie in regard to the internet has a whole new and significantly less tasty meaning. Read on for details about the new Cookie Law.
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