Consumer Rights

Everybody who uses a service or buys a product has rights, and often it is tough to keep track of what rights you have when you find yourself in a dispute with an organisation.  We here at the Ross and Cromarty CAB can help you find out what your rights are and deal with any problems you may be having.

We can help with:
  • Knowing your rights when buying goods
  • Understanding credit
  • Understanding consumer contracts
  • Dealing with consumer organisations
  • Problems with distance/online selling
  • Problems with goods or services

Get in touch

Visit one of our bureaux, give us a call or get in touch with us online to find out more about how the Ross and Cromarty CAB can help you:

Alness BureauDingwall BureauTain Bureau Make an enquiry online

For further help and advice, particular outside our CAB’s opening hours, call the Citizens Advice Consumer Helpline on 03454 04 05 06 which is available Monday to Friday between 9am and 5pm.  You can also contact them by textphone, e-mail or write to them with their details here.

What to bring to the CAB

Here are some documents and information that it would be useful for you to have when making an enquiry with us:

  • Full details of the goods or services with which you have an issue
  • Copy of any contracts or credit agreements
  • Any recent letters in relation to the problem
  • Proof of purchase
  • Details and proof of income
  • Wage slips/benefits/tax credit details

Useful Links, Leaflets and Factsheets

BBC Consumer – Consumer advice

Which? – Consumer rights advice

Financial Conduct Authority – Consumer advice and grievance handling for financial products

Financial Ombudsman – Settles disputes between financial services and customers

Financial Services Compensation Scheme – Support for customers failed by banks or financial services

Moneyfacts – Price comparison for financial products and utilities

Letter about a problem with a hire purchase agreement

Letter cancelling a contract – Off-premises sales

Letter cancelling a contract – Services made by distance sales

Cancel an order for goods you bought by internet, phone, mail order, TV or telephone

Letter cancelling a distance sale to buy goods

Cancel contract for goods or services bought by internet, telephone, mail order or teletext when the legal cooling-off period does not apply.

Letter making a claim for equal liability from your credit provider

Problem with building work, decorating or home improvements

Letter to complain about a trader service – costs

Letter to complain about a trader service – delays

Letter to complain about a trader service – low quality work

Letter to complain about being transferred to another energy supplier without consent

Letter to complain about energy mis-selling

Letter to complain about faulty goods sold with a service

Letter to complain about goods or services you didn’t ask for

Letter to complain to an energy supplier

Letter to complain to an energy supplier about back-billing

Letter to dispute a mobile, TV or internet bill

Letter to negotiate debt repayment with an energy supplier

Letter complaining about faulty goods