Festive Frights: Protect Yourself from Christmas Scams!

With the holiday season just around the corner, the excitement of gift-giving and festive cheer can sometimes overshadow the need for caution. Unfortunately, scammers and dodgy retailers are ready to capitalise on the rush, preying on unsuspecting consumers. So, as you embark on your Christmas shopping spree, keep your wits about you and remember these tips to safeguard your hard-earned money.

Credit Card: Your Festive Shield

When making purchases, especially online, consider using a credit card. Why? Because it offers a safety net in case things go awry. Under UK law, you have specific protections that can help you recover your money if you encounter defective goods or fall victim to a scam.

Section 75: Your Secret Weapon

Section 75 of the Consumer Credit Act 1974 is your secret weapon against festive fraud. If you've spent between £100 and £30,000 on a credit card and something goes wrong, your credit card company is jointly liable with the seller. This means you can claim a refund directly from the credit card company, even if the seller is unresponsive or has gone bust.

Remember, Vigilance is Key

While these protections are invaluable, it's always better to be proactive. Here are some additional tips to stay safe this Christmas:

• Shop from Reputable Retailers: 

  Stick to well-known and trusted online stores

  
  

• Check for Secure Websites: 

  Look for the padlock symbol in the address bar before entering your payment details.

  
  

• Be Wary of Phishing Emails: 

  Avoid clicking on suspicious links or downloading attachments.

  
  

• Keep Your Device Secure:

  Use strong passwords and up-to-date antivirus software.

  
  

• Check Reviews and Ratings: 

  Read reviews from other customers to gauge the seller's reputation.

  
  

By following these guidelines and understanding your rights, you can enjoy a stress-free and secure holiday shopping experience. Happy shopping, and may your Christmas be filled with joy, not regret

Need Further Help?

If you find yourself a victim of a scam or have issues with defective goods, don't hesitate to seek legal advice. At Law Clinic we can provide expert guidance and support to help you navigate the legal process and recover your losses.

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