Credit card provider urges consumers to know rights

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One of the UK's leading credit card providers has urged consumer to be aware of their rights when returning unwanted gifts to stores in the coming weeks.

Halifax's head of credit cards Ken Stannard has stated that December and January are major months for retail returns meaning, consumers should be aware of what they can and cannot do.

Research from the financial company found that shops make 29 per cent more refunds on credit cards than any other month.

Mr Stannard said: "Other than those rights afforded under the Sale of Goods Act, credit card users have additional protection on their purchases.

"Under section 75 of the consumer credit act, if the retailer refuses to issue a refund for faulty goods, for example if the shop has gone bust; the credit card company is equally liable for faulty purchases valued at over £100 and under £30,000."

Halifax is part of the HBOS group, which offers a number of financial products, including investment and insurance advice, to consumers across the UK through its brands.

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