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Consumer rights issue? Go legal
Our experts will guide you to the best outcome at a fair price.
Get legal adviceIn this article
The phrase ‘this does not affect your statutory rights’ often appears in the small print on a receipt or at the end of store policies on retailer websites.
That’s because when you buy anything from a retailer, you’re entering into a contract with them and you’re protected by rights set by the law.
These rights are often referred to as your statutory rights. They’re important if you need to ask for a refund, repair, or replacement for anything you’ve bought.
By including this phrase, retailers are doing the minimum required to make you aware that you have legal rights in addition to the store's policy.
Our experts will guide you to the best outcome at a fair price.
Get legal adviceThe most important statutory rights for consumers to understand come from two pieces of legislation - the Consumer Rights Act 2015 and the Consumer Contracts Regulations.
If you can learn the basic principles of these laws and quote them to a retailer when making a complaint, you’ll stand the better chance of getting your money back.
Your statutory rights are your minimum guaranteed legal rights which always apply and overrule the retailer’s policy.
There are some scenarios where you have less legal protections. Your rights also run parallel to any terms in your warranty or guarantee.
While warranties can often be more generous, they sometimes have exclusions and commonly last for one year - in which case, you might want to exercise your rights which last longer.
If you buy something in store in person you have fewer rights to rely on than if you purchased it online.
Everything you buy must conform to the Consumer Rights Act, which says all goods and services must be of satisfactory quality, fit for purpose and as described.
If your goods don’t conform to this, then they are classed as a faulty good and can be returned for a refund, repair or replacement depending on the length of time you’ve owned them for.
This statutory right applies regardless of whether you purchased the goods online or in store.
If you have a product which you think is faulty, claim a refund, repair or replacement by starting a faulty goods claim.
The Consumer Rights Act 2015 defines what your rights are if you’ve bought goods which aren’t up to scratch. The Consumer Rights Act states that all products must be of satisfactory quality, fit for purpose and as described.
If what you’ve bought doesn’t satisfy any one of the three criteria outlined above, you have the right to make claim for a refund, repair or replacement depending on how long you’ve had the faulty item for.
The Consumer Rights Act also covers services. The term ‘service’ covers a wide variety of services, including large and small-scale work you might have carried out in your home or elsewhere.
The service contract is governed by the Consumer Rights Act, which means you can use this as protection should anything go wrong.
Think you might have a faulty good? Just answer some simple questions and pop your name and email address in at the end, and we’ll send you a ready-to-go letter you can send to the retailer.
The Consumer Contracts Regulations 2013which came into force in June 2014, explains key information retailers must provide to you when you buy your goods.
The specific information varies depending on whether the sale is made at a distance (for example, online or over the phone) or face-to-face somewhere that’s not the business premises of the trader (also known as ‘off-premises’) or in a store.
The Consumer Contracts Regulations also explains your right to cancel an order, the length of time you have to do so and your right to a refund.
If you’ve bought something and are now looking to return it, read our detailed returns guide which will tell you what your rights are depending on how you purchased your goods.
The Consumer Protection Act 1987 gives you the right to claim compensation against the producer of a defective product if it has caused damage, death or personal injury.
The act also contains a strict liability test for defective products in UK law making the producer of that product automatically liable for any damage caused.
Anyone who suffers damage as a result of the defect is entitled to claim - not just the person who bought the product.
To learn more about the claims you can make and who is defined as the ‘producer’ of the defective product, read our Consumer Protection Act 1987 guide.
Under section 75 of the Consumer Credit Act 1974, your credit card company is just as responsible as the retailer or trader for the goods or service supplied.
This means you can put your claim to the credit card company if you’re having difficulty getting your money back from the retailer. But you can’t recover your losses from both.
This right is particularly useful if the retailer or trader has gone bust or it doesn’t respond to your letters or phone calls.
Sometimes in life you need to understand and lean on your knowledge statutory rights more than you'd like to.
Our guides to key consumer legislation can help you understand your statutory rights across a range of areas. Here are two more regulations we cover in detail which can help you understand your statutory rights around package holidays and dodgy sales tactics: