What is not covered by the consumer Guarantees Act?
Asked by: Alexandria Schultz | Last update: February 8, 2026Score: 4.6/5 (75 votes)
The Consumer Guarantees Act (CGA) generally doesn't cover purchases made privately (not in trade), goods for resale, commercial use (like business equipment over a certain value), real estate, or financial products, nor does it provide remedies for simple "change of mind" or issues caused by consumer misuse or damage; it also doesn't apply if you knew about a fault before buying.
What are three exceptions to the consumer guarantees?
Exceptions to guarantees
Consumer guarantees do not apply if you: misused a product in any way that caused the problem. knew of or were made aware of the faults before you bought the product. bought a one-off item from a private seller, for example at a garage sale or fete.
What does the consumer guarantees act cover?
The Consumer Guarantees Act (CGA) says that products should: be of acceptable quality. be fit for a particular purpose. arrive on time and in good condition.
What are the 8 consumer guarantees?
goods will be of acceptable quality ▪ goods will be fit for a particular purpose ▪ goods will match their description ▪ goods will match the sample or demonstration model ▪ they will honour any express warranties ▪ you have title to the goods ▪ you have undisturbed possession of the goods ▪ there are no undisclosed ...
What is covered by the Consumer Protection Act?
It aims to protect consumers against poor-quality products and services and unfair business practices or contract terms with regards to transactions, repairs, refunds and delivery.
what is Consumer Guarantees Act
What falls under consumer protection?
Consumer protection laws safeguard buyers of goods and services from deceptive, unfair, or fraudulent practices. Historically, under the common law doctrine of caveat emptor (“let the buyer beware”), consumers had little recourse against misleading or one-sided sales.
What is covered under the consumer credit protection act?
The CCPA requires that the total cost of a loan or credit product be disclosed, including how interest is calculated and any fees involved. It also prohibits discrimination when considering a loan applicant and bans misleading advertising practices.
What are the 9 consumer rights?
The purchased goods and services availed of should not only meet their immediate needs, but also fulfil long term interests. Means right to be informed about the quality, quantity, potency, purity, standard and price of goods so as to protect the consumer against unfair trade practices.
What are my rights under warranty?
Warranty rights give consumers legal recourse for defective products, ensuring sellers or manufacturers repair, replace, or refund items that fail to meet promised quality within a reasonable time, covering both explicit promises (express warranties) and basic functionality (implied warranties) like being fit for normal use. Key rights include free repairs/replacements, protection from unreasonable limitations, and the ability to enforce claims even if the warranty period ends during a repair, though you should get spoken promises in writing and keep all records.
What are the 8 consumers?
The document outlines the eight basic consumer rights which include the right to basic needs, safety, information, choice, representation, redress, education, and a healthy environment.
On what grounds can a customer ask for a refund?
If a product or service is faulty, broken or not as described, depending on the problem, you may have the right to a refund, repair or replacement.
What is considered a breach of warranty?
Breach of warranty is defined as the violation of an express or implied contract of warranty, and thus it is a breach of contract. Essentially, it occurs when the warrantor fails to provide the assurance warranted.
What are the 5 key consumer rights?
Consumer rights are consumer protections that encourage businesses to produce products and services that will be beneficial and safe for consumers. In this lesson, we will identify and discuss the five major rights of consumers: safety, information, choice, voice, and redress.
How long after purchase can I return faulty goods?
After 30 days, the buyer will not be legally entitled to a full refund if an item develops a fault, although some sellers may offer an extended refund period. Even beyond the 30 day period there is still a good chance of at least a replacement, and possibly a refund for the faulty item.
Who does the consumer guarantees act apply to?
The act only applies if you buy goods or services from sellers “in trade”. This means it does not cover private sales. However, it does cover goods sold in second-hand shops, and goods sold over the internet by businesses trading here. The act does not cover the purchase of homes, although it does cover home repairs.
What are the four main consumer rights?
The four foundational consumer rights, established by President John F. Kennedy, are the Right to Safety, Right to be Informed, Right to Choose, and Right to be Heard, protecting consumers from hazards, ensuring access to information, promoting market competition, and providing a voice for consumer concerns, respectively. These core rights form the basis for broader consumer protection laws worldwide, with later additions including rights to redress, education, and a healthy environment.
What damages are not covered under warranty?
A warranty typically doesn't cover accidental damage (drops, spills, cracks), cosmetic issues (scratches, dents), normal wear and tear (tires, brakes, batteries), misuse, lack of maintenance, unauthorized repairs, or "acts of God," focusing instead on defects in materials or workmanship from the manufacturing process. While a standard warranty covers manufacturing faults, you might need a separate extended warranty or insurance for accidental damage, according to Asurion and FTC.gov.
What to do if a company won't refund you?
If a company won't refund you, first formally contact them again, then dispute the charge with your bank/card issuer, and if needed, escalate by filing complaints with the Better Business Bureau (BBB), your State Attorney General, and the FTC, or consider small claims court for larger amounts.
What does the consumer Act protect against?
The California Consumers Legal Remedies Act protects consumers from false advertising, fraud, and other unfair business practices. This law allows consumers to bring individual or class action lawsuits to recover damages and stop unlawful practices.
What are common consumer rights violations?
Some common illegal practices include: Repeated or excessive phone calls. Threatening arrest or legal action they cannot take. Contacting you at work after being told to stop. Failing to verify the debt upon request.
How do I return a defective product?
Tell the business what you want.
For example, say you want a refund, repair, exchange, or store credit. Include copies of relevant documents , like receipts, repair orders, and warranties. Keep the originals.
What are the 7 rights of a consumer?
the right to safety; the right to be informed; the right to choose; and the right to be heard. The International Organisation of Consumer Unions has since added four more rights: the right to redress; the right to satisfaction of basic needs; the right to consumer education; and the right to a healthy environment.
What is section 77 of the Consumer Credit Act?
(1)The creditor under a regulated agreement for fixed-sum credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [F1£1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a ...
What are 5 consumer credit protection laws you should be aware of?
Knowing your credit rights empowers you to take control of your credit and handle any issues efficiently. A few major laws that affect your credit life include: the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Truth in Lending Act, and the Equal Credit Opportunity Act.
What is protected under Section 75 of the Consumer Credit Act?
Fortunately, certain credit card purchases are likely to be legally protected under Section 75 of The Consumer Credit Act 1974. What does this mean? It means your credit card provider could be jointly responsible with the retailer or supplier if something goes wrong.