How to save money when shopping for Christmas and in the sales

Saving money at Christmas time

Below are a number of posts that may help you through the most expensive period of the year.

Christmas stocking to decorate a reverse advent calendar for the foodbank

Shopping in the run up to Black Friday

10 Top Tips for getting the best from Black Friday tips for making sure you save and don’t overspend

Make Light Work of Black Friday comprehensive guide to shopping around Black Friday

Shopping in the run up to Christmas

How to keep the “Happy” in Christmas shopping your rights when shopping this Christmas

Christmas shopping all wrapped up with Ten Top Tips similar post about rights when shopping this Christmas

Christmas is coming… are online retailers getting fat? National Consumer Week covering how to protect yourself when shopping online

Consumer reviews pros, cons and who uses them? what you need to know about reviews too

Keeping the festive cheer in Christmas shopping 10 top tips for saving money when Christmas shopping

 

Tips for Christmas shopping

After Christmas

Christmas presents, returns – your rights when you can return items and when you can’t

What to do with the ghost of Christmas Present? when you can’t return items there are more options than regifting and the charity shop

The top 10 tips for winning in the sales how to save money in the sales

Looking a Gift Card in the mouth? – warnings about when and how to use

Christmas decorations border how to save money when shopping Christmas and sales

 

returns – your rights

 

When things go wrong with purchases

Cover of How to Complain updated 2019 large cow logo

For lots of help, consumer laws, advice and  templates GET THE BOOK! How To Complain: The ESSENTIAL Consumer Guide to Getting REFUNDS, Redress and RESULTS!

 

 

 

 

101 Habits if an Effective complainer book cover with logo

 

101 Habits of an Effective Complainer designed to improve the way you look at and make complaints. Each page gives you a complaining habit to consider and an example of how and why it empowers you to become more effective in getting the results you want.

How to complain about financial institutions

How to complain about financial products and services

So much can and does go wrong when you’re dealing with a financial institution! This post will signpost you to various posts on The Complaining Cow blog which will help with most bank/credit card and insurance problems.

2 piggy banks,coins in two jars credit card and machine to pay

The Financial Services Regulations 2004

Financial products are covered by the Consumer Rights Directive 2013. These regulations cover the sale of most financial services that take place at a distance (such as online), directly,or through an  intermediary such as an insurance broker. Generally, you have 14 days to cancel starting from the day of purchase. There are some products where you don’t have the right to cancel, e.g. where the price of the service depends on fluctuations in the financial markets.

For pension products, you get 30 days from when you enter into the contract, and for life insurance you have 30 days from when you’re told that the provider has agreed to accept you for cover. f you decide to cancel, you should receive the payment within 30 days of the date that you notify the company.

How to complain about insurance

How to save money on your car insurance tips for saving money before you take out any insurance

Do Morethan just comparison websites for insurance quotes! case study describing how you can come unstuck if you don’t do your full research when purchasing insurance

Warning about insurance procedures how to complain when an insurer doesn’t want to pay out

Banks and credit cards

How to increase a bank’s offer of redress case study where first offer of redress from bank was increased

Who else wants to get back those bank charges? how and when you can get back bank charges

How to ensure banks don’t break the Misrepresentation Act 1967 case study being wrongly charged commission for travel money

A guide to credit and debit cards and the Consumer Credit Act 1974 how you can get money back for goods and services from your bank or credit card company

VISA outage – what you need to know covers what you need to know if your credit card provider’s system goes down

credit cards in a black wallet

Using finance to purchase items

Everything you need to know about financing your car purchase the different ways of financing your car and what to do if you encounter problems

Taking things further

Why use the Financial Ombudsman? a guest post from a lead ombudsman on how, when and why to use the Financial Ombudsman

Gift cards

Looking a Gift Card in the mouth? all you need to know about your rights regarding gift cards

Looking a Gift Card in the Mouth

Payday loans

Everything you need to know about Payday loans guest post regarding information about your rights regarding loans

Bright ideas for complaining about Brighthouse (& avoiding them in the first place!) refunds and rights regarding Brighthouse

More help and advice on effective complaining

Why you should write not ‘phone to complain effectively the importance of writing not phoning when complaining

Top 20 Tips for Complaining Effectively

For more help on complaining effectively see Top 20 Tips How to Complain!

 

Cover of How to Complain updated 2019 large cow logo

 

For masses of information, tips, guidance, laws and regulations and templates GET THE BOOK! How To Complain: The ESSENTIAL Consumer Guide to Getting REFUNDS, Redress and RESULTS!

 

 

 

pink piggy bank and coins how to complain about financial products and services