So with Christmas just a few days away… what do you do if you have buy a present for the horse lover in your life for Christmas and it just isn’t right? What are your rights and what can you do?

The Consumer Rights Act applies to goods sold after 1 October 2015. For items sold in the course of a business (i.e. you didn’t buy the goods from an individual) there are certain things implied into your contract as to the quality of the goods being sold.

The item should be safe to use and be reasonably hard wearing. The item should also be suitable for the job it was designed to do, as well as any specific purpose you let the seller know about before i.e. if it is a saddle it should fit the horse well and enable you to ride your horse without it rubbing (i.e. be ‘fit for purpose”).

It should also have no small faults or problems, such as the stitching coming undone (i.e. be ‘of satisfactory quality’).

Under the Consumer Rights Act you have 30 days to reject goods that are not fit for purpose, of satisfactory quality or as described and get all of your money back.

What if your horse ‘ate’ your receipt? 

It doesn’t matter if you have lost your receipt, you will have the same rights, you just need to show ‘proof of purchase’ and as such a bank statement will normally do.

Buying items with a credit card

If you buy a faulty item worth £100 to £30,000 on you credit card (or pay at least £100 of the items price on credit card) you may be able to make a claim against your credit card provider as the Consumer Credit Act 1974 makes a credit card company jointly responsible (‘liable’) with the seller for a faulty item.

If you have bought something that isn’t right and you need legal advice, please do not hesitate to contact me on Rebecca.stojak@shma.co.uk