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More new gym memberships are taken out in January than any other time of year.

Statistics also show that people who take out membership in January tend to stick with it for only three months.

While that is fine, the problem is many of these people sign up to a year-long membership then end up forking out for something that is hardly used. The result is all they

Q A QI WANT to return a gift that was bought online. How many days do I get to do this? Fiona Hughes THE Consumer Contracts Regulations state you can return goods purchased online any time up to 14 days after delivery. IS it true you cannot return CDS bought online? Darren Jacobs are excluded only if you have broken the seal and opened the packaging. Likewise, you have no right to return perishable or bespoke goods, unless they are faulty.

I PURCHASED a sofa and it was delivered last week. While carrying it into the house, the delivery men scratched the wallpaper in my hall. Do they have to pay for this? Lorna White

YES. Take pictures of the damage and contact the retailer now.

QADo not get tempted to waste your money in the January sales unless you truly need the goods and are

Q AIF a flight is cancelled by the airline, are you entitled to compensation? Sue Lewington IT depends. If the airline cancels more than 14 days in advance of the flight, you are not. You are also not entitled to compo from the airline if the reason for the cancellation is an extraordinary circumstance, such as