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This Act gives consumers a wide range of rights against companies who provide credit, for example, the right to look at any credit file; a 'cooling off period' of five days when people can cancel any credit agreement signed at home; the right to pay off credit early; limited liability or sometimes no liability when a credit card is stolen or lost.

The act also lays down conditions and procedures which credit companies have to follow when they advertise or sell credit. These are backed up by criminal sanctions

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The Sale of Goods Act 1979 (as amended) is crucial for consumers because it refers to laws which have extended the basic 1979 Act and using the phrase tells the trader that not only do you know basic consumer law, you know it has been amended too.

The Sale of Goods Act lays down several conditions that all goods sold by a trader must meet.

The goods must be:

as described

of satisfactory quality

fit for purpose

As described refers to any advert or verbal description made by the trader.

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This act protects you when you are purchasing or taking a loan by giving you a certain amount of time to decide if you want to change your mind or not without being penalised

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This act has conditions that must be met when selling goods