How to get your money back if you’ve been swindled
By S Hunt, 2nd June 2010
Door-to-door salesmen can be a real pest - they are brazen
creatures who are difficult to shake off once you have opened your
door to them. They can talk at a hundred miles an hour and make it
impossible for you to get a word in edgeways, making it difficult
to simply interject to say that you're not interested. Sometimes
they refuse to take no for an answer and the result is that
thousands of people are pressurised into buying useless goods that
they don't need.
There are measures that can be taken to deter them, such as
stickers or notes, but you can't always expect these to be adhered
to. No Cold Calling Zones can be established whereby the council
assists residents in making a collective effort to deter the
parasites. However, these do still not make door to door selling
illegal.
Of course, your house is your property and there's no obligation
to even talk to the person, let alone let them into your home. In
theory a polite rebuttal and shutting of the door should do the
trick, but this is easier said than done and door-to-door salesmen
employ an arsenal of tricks to try to stop you from doing so.
Often you get so fed up with them that you feel forced into
taking the decision to buy their products just to get rid of them.
Try to remember that at all times you can just slam the door
shut in their face, and avoid letting them into your home at all
costs as it will be very difficult to persuade them to leave once
they are in.
Indeed, sound advice is to refuse their product at the earliest
possible juncture, as once they gain a foothold things can get
sticky as they begin to bring out their heavy psychological
artillery. Furthermore, the chance of them selling anything you
actually need is minimal, and there is a rise in burglars posing as
salesman to worm their way into your house, so you are safest
sending them on their way as soon as you can.
It is a good idea to make yourself au fait with the laws
regarding door-to-door salesmen so that you can act accordingly if
you end up encumbered with unwanted products.
The same law applies to pedlars who accost you on the street or
in busy town squares as the law is the same for traders doing
business anywhere outside of their premises. These people can make
you feel as if you are being ill-mannered by ignoring them, when in
fact it is they who are guilty of the discourtesy of harassing
you.
Read on to find out more.
Getting back your money
Many of us do end up snared by the devious tactics of door to
door salesmen and usually we will realise the inutility of the
product we have just purchased as soon as the salesman has
left the house with our money. Thankfully it is
relatively straightforward to get your money back thanks to
doorstep selling regulations.
Anybody attempting to sell goods to you at your home is
compelled by law to inform you of your cancellation rights, which
are usually included in a contract but can also be given to you in
writing by the seller. Failure to give you your cancellation rights
is an infringement of the law and you should report this illegal
practice to the Trading Standards Office.
What these cancellation rights entitle you to is a 7-day cooling
off period. This gives you the right to cancel the product within 7
days of purchase, after which the trader must refund any money you
have paid, including deposits.
The seller may have provided you with a cancellation form at the
time of purchase - if so just fill this in and make sure it gets to
the seller, whether by taking it directly or posting (by either
traditional snail mail or email). Whatever option you choose, make
sure you send it within 7 days of the transaction.
It is very important when doing this to take the necessary
precautions, as naturally these aren't always the most reputable of
tradesmen and may do all in their power to avoid giving you back
your money. With that in mind, make sure you have some proof of the
cancellation - if sending your cancellation by post, use recorded
delivery and retain the delivery slip. Also keep a copy of your
letter. If you choose to email then it is relatively easy to simply
save a copy of it in your email account.
If it transpires that the seller does not cooperate or rejects
your cancellation then they are in breach of the regulations and
you should report them to the local authorities, who will take
the necessary action against them.
Note however that these doorstep selling regulations will only
help you if you paid £35 or more. Certain classes of product are
also unfortunately not protected. These are land, perishables like
food and drink, insurance, and credit or investment agreements.
Sales of Goods Act
Door to door sales are also bound by the Sales of Goods Act.
This means that all goods sold must match their description and
also be of satisfactory quality. These are the statutory rights of
the buyer which, if broken, entitle the buyer to a refund,
replacement or repair, depending on the promptness with which the
faults are reported.
If the complaint is lodged fairly quickly then there is every
chance of a refund, but if not, you will in all likelihood have to
settle for a replacement or repair.
Alternatively, if you buy a service from a door to door seller
then the law dictates that it must be carried out with reasonable
care and skill, finished in a reasonable time (the definition of
reasonable will depend on the nature of the work carried out) and
provided at a reasonable cost. If the work has not yet begun and
one of these conditions has been violated you should be entitled to
get back anything you have paid.
If the work has already begun but you deem it to have not been
done with reasonable care and skill, you are expected to approach
the trader first to resolve the problem, but claiming for
compensation may be possible if they refuse to comply.
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