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Chapter 9: Protecting the Consumer

Chapter 9: Protecting the Consumer. Consumer Laws. Reasons for Consumer Protection. Unsafe or Low Quality Goods Overcharging and incorrect weights Misleading Advertisements Faulty goods Slick sales methods, e.g. special offer. Consumer Laws. Sale of Goods and Supply of Services Act 1980

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Chapter 9: Protecting the Consumer

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  1. Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

  2. Reasons for Consumer Protection • Unsafe or Low Quality Goods • Overcharging and incorrect weights • Misleading Advertisements • Faulty goods • Slick sales methods, e.g. special offer Ms.McGlynn

  3. Consumer Laws • Sale of Goods and Supply of Services Act 1980 • Consumer Protection Act 2007 Ms.McGlynn

  4. Sale of Goods and Supply of Services Act 1980 • Merchantable Quality • Fit for their purpose • As described • Correspond to sample • Suppliers of services must be qualified Ms.McGlynn

  5. It is the seller's responsibility to put things right if there are problems. Ms.McGlynn

  6. Consumer Protection Act 2007 • Protects consumers against false or misleading claims about goods, services and prices • E.g. stating wrong weight on product Ms.McGlynn

  7. Consumer Protection Act 2007 • EU Directives concerning pyramid schemes • EU Directives on unfair, misleading or aggressive commercial practises. Ms.McGlynn

  8. Consumer Protection Act 2007 • Deals with the National Consumer Agency • Informs consumers of their rights • Investigates complaints Ms.McGlynn

  9. Food Labels • Clear, legible and understood • Show name of food • Show actual selling price • Show use by, sell by and best before date. Ms.McGlynn

  10. Bar Codes • Series of lines on goods that allow computers to identify products • Scanned at check outs • Less mistakes • Records stock Ms.McGlynn

  11. Symbols • Symbols of quality • It tells the buyer that the good is of good quality Ms.McGlynn

  12. Unit Pricing • Unit pricing shows the price per kilo/litre • It enables a consumer to decide what is the best value. • Food labels must show the price per kilo/litre rather than overall price. • Consumers can compare prices the best prices per kilo/litre rather than total price by using the formula • Price ______ Quantity Ms.McGlynn

  13. Consumer Protection Agencies • Enterprise Ireland • Trade Associations • National Consumer Agency • Small Claims Court/Procedure • Consumer Association of Ireland (CAI) • The Ombudsman: State, Financial, Insurance • The Advertising Standards Authority for Ireland (ASAI) Ms.McGlynn

  14. 1. Enterprise Ireland • State Organisation that sets new standards for safety and quality for goods & services and issues reports • Operates the National Standards Authority of Ireland NSAI Ms.McGlynn

  15. 2. Trade Associations • Suppliers of goods and services are members of organisations which lay down standards of conduct for their members • These associations try to settle disputes between members and customers • E.g. Irish travel agents association ITAA, SIMI Ms.McGlynn

  16. 3. National Consumer Agency • Informs consumers of their rights. Publishes booklets advising consumers of their rights – publishes a shoppers’ rights card. • Enforces consumer laws – investigates complaints. Ms.McGlynn

  17. 4. Small Claims Court • Deals with consumer claims up to €2,000 • Handles claims speedily – no solicitors needed • Fee of €15 • Need to try settle dispute with seller before going to the small claims court Ms.McGlynn

  18. 5. Consumer Association of Ireland • Voluntary Body • Advises consumers about goods and services and laws affecting them • Consumer Choice magazine Ms.McGlynn

  19. 6. Office of the Ombudsman • Investigates complaints by members of the public against state organisations • E.g. government departments, HSE, An Post Ms.McGlynn

  20. 7. Ombudsman for Credit Institutions • Deals with complaints against banks and building societies. • Try to deal with the dispute with the bank before you call upon the ombudsman Ms.McGlynn

  21. 8. Insurance Ombudsman of Ireland • Deals with complaints against insurance companies about overcharging and compensation payments Ms.McGlynn

  22. The MEDIA • Joe Duffy Show • Highlights complaints • Embarrasses people into solving the problem • The Consumer Show • Watchdog • Rogue Traders Ms.McGlynn

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