Those fes­tive spe­cial of­fers might look tempt­ing, but a lit­tle bit of prepa­ra­tion now could help you avoid costly shop­ping re­grets, says Vic­to­ria Shaw

Costa Almería News - - Legal And Finance -

Press As­so­ci­a­tion IT'S THAT time of year again - when peo­ple pre­pare to roll up their sleeves and take part in shop­ping fren­zies such as Black Fri­day.

But be­fore you start shelling out, pause for a moment and con­sider whether you could be a lit­tle more savvy with your cash. Are you re­ally go­ing af­ter the best bar­gains? Will you re­gret splash­ing out too much come Jan­uary?

Here are 7 things you need to know be­fore start­ing your Christ­mas shop­ping...

1. Is it re­ally a bar­gain?

Just be­cause a shop is ad­ver­tis­ing 'mega dis­counts', is the item you're af­ter re­ally cheaper than it would be at an­other time of year? Do some home­work now, when you're less un­der pres­sure to have Christ­mas all wrapped up - and you'll have a bet­ter idea later on if you're re­ally get­ting a great deal.

2. Can you take it back?

Swot up on your con­sumer rights. While there are gen­eral rules, it's worth ask­ing stores about their in­di­vid­ual poli­cies when it comes to 'good­will' re­turns if you sim­ply change your mind. The Con­sumer Rights Act spells out con­sumers' rights to re­funds on faulty items and makes it eas­ier to chal­lenge hid­den fees and charges.

3. How you pay can give you added pro­tec­tion

Con­sumer group Which? ex­plains that un­der sec­tion 75 of the Con­sumer Credit Act, your credit card com­pany is jointly li­able if some­thing goes wrong with a prod­uct or a ser­vice you've paid for with that card.

If you've spent more than £100 and less than £30,000 on some­thing, you can claim in this way if some­thing goes wrong. You don't have to have paid the full amount on your credit card, ei­ther. Which? says to qual­ify for the pro­tec­tions, it's the value of the goods you're buy­ing that is key, not the amount paid on the card.

4. Check the web­site you're buy­ing from is gen­uine

Myles Daw­son, UK coun­try man­ager at Adyen, which pro­cesses pay­ments, says with many lim­ited-pe­riod deals on of­fer, shop­pers may be tempted to let their guard down. "It helps to stick to re­tail­ers you know are rep­utable. That is not to say that any on­line re­tailer you haven't heard of should be on the black list, but take the time to do a lit­tle re­search and look for re­views," he says.

"Check­ing your emails care­fully is also cru­cial. Fraud­sters are be­com­ing in­creas­ingly so­phis­ti­cated at mim­ick­ing le­git­i­mate re­tail­ers. They know it's easy for you to get caught in the moment when a great of­fer lands in your in­box. Take a few mo­ments to check the email ad­dress of the sen­der is le­git­i­mate and look closely at the des­ti­na­tion of a link, be­fore click­ing it. This helps avoid end­ing up on a spoofed web­site and mis­tak­enly pro­vid­ing your card de­tails and per­sonal in­for­ma­tion to fraud­sters."

5. Fac­tor in de­liv­ery charges

Two-thirds (67%) of shop­pers say they would not be will­ing to buy on­line if the de­liv­ery costs are too high, ac­cord­ing to a sur­vey by de­liv­ery man­age­ment com­pany Whistl.

Newspapers in English

Newspapers from Spain

© PressReader. All rights reserved.