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Consumer Law

Contract Law

Misrepresentation and Breach of Contract

How much care and attention must we pay during a contract negotiation? What is at risk if we are naïve during the negotiations and therefore we are persuaded to spend a lot of money for something which is not worth it? Can we claim for breach of contract? Firstly, please note that when someone...

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Debt Management

What to do if you receive a County Court Judgment (CCJ)?

A County Court or High Court Judgment can be made against you if an individual or a business has issued a claim against you for money and you have failed to file a response. If you receive a claim form in the post, you should always respond.  Whether you do this with or without the aid of a...

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Consumer Law

Correcting Your Credit Rating

Most people require credit at some time, whether it is in the form of a credit card, a loan or an overdraft. However careful you are, it is possible to find yourself blacklisted for credit purposes. When you apply for credit, the lender will apply to either Experian or Equifax the two Credit...

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Consumer Law

A Retailer's Guide for Returns

As the owner of a small retail shop, what do we need to consider for any returns of goods? Retail businesses need to adhere to the new guidelines within the UK Consumer Rights Act 2015 that came into effect on 1 October 2015. The three key areas to note are : goods must be sold as described, be of...

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