Consumer Protection



States for Consumer Protection

Consumer Protection

Consumer Protection Law
If you buy an item, service or property that doesn’t work as advertised, you can take the support of consumer protection law. Consumer protection law is designed to protect customers from fraudulent services and defective products. However, it does not end here - consumer protection law also includes protection against fraud and identity theft, financial mismanagement, credit discrimination, unauthorized charges to your account, and bad faith denial of insurance claims. Health and travel insurance, vehicle purchase and air travel are also regulated by consumer protection law. The Consumer Protection Act was designed to protect unwary customers from uninformed use of credit, unfair billing and credit card practices, sale of products or property without adequate disclosure of costs, and inaccurate lease terms that may mislead customers. Lemon Law provides protection to customers who have been sold defective vehicles, while Magnuson-Moss Warranty Act governs product warranties. The Federal Trade Commission (FTC) is charged with the enforcement of most of these laws.
 
Types of Consumer Protection Claims:
If you paid to receive certain services or purchased a product that did not live up to expectations, was defective, or did not provide the services advertised, you may be entitled to damages under consumer protection law. You can also file a claim for damages in a case where you have been the victim of real estate fraud, travel or healthcare fraud and a number of other scams including paying for a fake charitable cause. Consumer protection law also protects you in cases where you have been sold a defective or malfunctioning item including vehicles. If you have been passed a bad check, or have paid for services such as construction or vehicle repair that later turned out to be defective, you can also obtain damages. New Federal Reserve rules now offer an increased degree of credit card protection, including when you can be charged late fees, how interest rates are applied and payments calculated, and how often and when interest rates can be raised in addition to a number of other items. No matter what the size of your purchase, you should be aware of your rights as a consumer and be willing to exercise them in order to recover the costs of personal injury, emotional and mental distress, damage to property, and lost wages.

Reasons to Hire an Experienced Consumer Protection Attorney:
Filing a claim under consumer protection law can be a long and tiring process. Most companies employ a number of lawyers to deal with consumer disputes, and as such, having an experienced consumer protection attorney on your side is crucial. An attorney can prove to be extremely helpful when it comes to filing your consumer protection claim and dealing with all the paperwork. An experienced attorney is also able to negotiation with a particular manufacturer or service provider in order to obtain a settlement. In the event that your case goes to trial, a lawyer must be present in order to make sure that you are properly represented and that your side of the story is heard. 

Frequently Asked Questions

Q:Does Consumer Protection law cover travelling complaints and security concerns?

A:Yes, consumer protection law covers arrange of travelling and safety issues. There are a number off guidelines and laws that govern legal issues in this category. If you have faced any sort a problem while travelling on air, road, train, or bus, you can file a complaint and take legal action against the travelling company. For this it is important that you hire a travelling lawyer and formally lodge a complaint.

Q:According to the consumer protection law, can I cancel my contract and under which circumstances?

A:As a consumer you have the complete right to cancel a contract. Contract means purchase or usage of a item/product/service. The consumer protection act defines guidelines and points out the rights consumers have. There are certain circumstances that allow you to cancel a contract, these have been explained here: the contract can be cancelled if a cooling off period has been mentioned, for example if your product turns out to be faulty within 10 days of purchase. You can also cancel your contract and claim your money if the product is false and the seller gave you misleading information.

Q:What are UK Consumer Protection Laws?

A:Consumer protection laws are designed to protect consumers from unfair competition in the marketplace. With the growth of the concept of consumer rights, there has been a thorough development of consumer laws over the years. These laws have been created to protect consumer rights. In the United Kingdom, consumer protection laws fall under the control of the office of fair trading. This agency is the only authorized consumer watchdog in the country. The consumer protection act was set up in 1987. It has set up agencies that regulate safety of consumer rights and products. Product, liability, limitation, defect, credit, breach, etc are a few of the areas covered in the UK Consumer Protection Laws act.

Q:If I have suffered form damage caused by a defective product, shall I hire a Consumer Protection Lawyer?

A:Yes in such a case the most appropriate action to take is to find a consumer protection lawyer. This is because a consumer protection lawyer is specialized legal expert who can help you claim for damages. A consumer protection lawyer will present your case in court and will work towards finding compensation for the loss you have suffered. Such cases can turn out to be very complicated as the burden of proof falls onto the injured person, the injured person is supposed to prove in court that the damage was caused by the defective product. So if you have suffered damage then you must remember that you must prove this in court.