Consumer rights and credit records
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How to complain
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Complain about something you bought
If something you buy is faulty, does not arrive in time or is not what you expected, the Consumer Guarantees Act gives you the right to claim a refund, repair or replacement.
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Complain about a TV or radio programme or an ad
If you think a TV or radio programme has not followed the broadcasting standards, or an ad (on TV, radio, the internet or in print) has not followed the advertising standards, you can complain to the relevant authorities.
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Complain about your financial services provider
If you have a problem with your bank, insurance company, broker, buy now pay later provider or financial adviser, you can make a complaint.
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Complain about your utility provider
If you have an issue with your electricity, gas, water, internet or phone provider, you have the right to complain and have the issue resolved.
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Complain about a privacy breach
You can complain if your personal information is being revealed without your agreement or if an organisation refuses to let you see information about you.
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Debt and credit records
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What is a credit record
Find out what is on a credit record, who can access your credit record, and your rights to change information on it.
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Check your own credit record
You can get your credit report for free. If your information is wrong, you can get your record corrected.
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Debt collection and repossession
Know your rights when a debt collector demands payment or takes your stuff because you cannot pay your bills.
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