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Even though you will be in possession of the goods in question, you will only own them on the condition that you have paid all the instalments.
However, the agreement may also specify other conditions to be met before ownership can take place.
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Was it in the presence of the creditor but away from their place of business? Or were you with a broker – either in their office or at home?
This will have important implications for your cooling off rights, the information which must be supplied to you and the way in which it must be presented.
Nevertheless, these changes have been designed to benefit consumers by providing further clarification and additional rights.
In this section, we will look at the basics of the Act, types of credit agreements, consumer rights, creditors’ obligations and what to expect in situations of default or arrears.
Scammers take advantage of people looking for romantic partners, often via dating websites, apps or social media by pretending to be prospective companions.
They play on emotional triggers to get you to provide money, gifts or personal details.
We will look at cooling off and required information in the following two sections.