the charity for your community
How we can help:
Waltham Forest CAB is now on Twitter – Follow us @WalthamForestCA
New consumer rights
On 13 June, new consumer regulations came into force. The new Consumer Rights Directive will cover the following:
• Information traders should provide to consumers. This applies to both distance and ‘off-premises’ sales.
• Rules regarding cancellation rights for distance and ‘off premises’ contracts.
Read more about the new regulations in a blog by Sue Russell, Consumer Strategy Manager at Citizens Advice. For up to date advice, visit Adviceguide. You can read more about how it affects retailers and businesses on the Trading Standards Institute website.
Make sure you don’t get diddled when buying Used Cars – use this checklist to make sure it’s safe and legal
Average spend on Used Cars is £5k, says Citizens Advice. Get your money’s worth & run proper checks
Can you tell if a car’s mileage has been clocked? Here are some top tips from Citizens Advice
If you accidentally buy a stolen car, the police can take it away at any time. Make sure it’s legit
More information at Used Cars section of the Adviceguide site
Aggressive behaviour, sexual harassment and death threats are just some of the brutish tactics logbook lenders used to intimidate customers, reveals new evidence from Citizens Advice.
The charity exposes the murky world of logbook loans as it finds borrowers face high interest rates, ridiculous charging structures and bamboozling language. Citizens Advice analysed 261 client cases about logbook loans which were reported between February 2011 and January 2014. New voluntary practices for the industry were introduced in 2011 but Citizens Advice evidence suggests this code of conduct is being flouted.
One in five people have had their car repossessed despite not being the original borrower. As it stands, cars sold with a logbook loan against them can be repossessed by the lender even though the new owner did not take out the loan. The car had been sold with the loan still attached to it and the new owner was completely unaware as the loans don’t have to be registered.
Citizens Advice wants this practice to be reversed and is calling on the Financial Conduct Authority and Government to require lenders to get a court order before they can take away someone’s car and to stop repossessions of cars that have been sold on with loans.
Logbook loans, or ‘bills of sale’ as they are known officially, are often taken out by people who find it difficult to get credit elsewhere as they’re able to secure the loan against their car. If the borrower struggles to keep up with repayments the car is taken away without any official process.
Help the campaign by completing this online survey – the deadline is 30 th April
We are at Leyton Library every day for advice
You can pick up more than just a book at the borough’s libraries with Leyton library offering a new service.
Waltham Forest Citizen’s Advice Bureau (CAB), which is funded by the Council, will be available at the library everyday for appointments.
We provide general and specialist advice and information on a wide range of issues including; welfare benefits, money, immigration and employment.
The outreach team based at the library are experienced and qualified staff, so residents are in safe hands.
We also lobby to change social policy to prevent problems from arising by providing local data and research to national think tanks.
The advice given by bureaux is free, independent and confidential and you can make an appointment over the phone
To make an appointment with the CAB at Leyton library phone 020 8521 5125
Can’t find what you are looking for? Look in Adviceguide
We are working to make our website fully accessible, in the meantime Abilitynet and the BBC have good easy to follow advice on how to customise your computer to help you access web pages easier for example if you have a visual or hearing impairment or find it difficult to use a computer mouse
Charity Number: 1075780 Company Number: 3696999
Waltham Forest CAB is authorised and regulated by the Financial Conduct Authority. Authorisation number FRN: 617781