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Follow on Google News | Guide to Staying Safe Whilst Shopping Online this Christmas by Bad Credit Loans 4 YouShopping online this Christmas? then this is a must read for all those looking to shop online for Christmas this year, outlines traps that could catch out those not aware of them and cost you dear! rather than saving you money!
By: Bad Credit Loans 4 You Despite much of the high street retail market suffering from the credit crunch, online retailers such as ASOS, amazon.co.uk and eBay are still reporting soaring sales. The growing market of online bargain hunters spent a total of £38bn in 2009, whilst between £5bn and £8bn was during Christmas 2009 alone, according to IMRG Capgemini e-Retail Sales Index. Most experts suggest that online shopping is no riskier than purchasing goods by mail order or over the phone, but we’ve highlighted steps you should take to ensure that you are protected while surfing the World Wide Web. STAY SAFE WHILST ONLINE Like the real world, virtual shopping is still at risk from criminals and websites which are unsafe make those who shop online more vulnerable to fraud. However, there are steps you can take to protect your computer, building a layer of security to help guard your personal details. Up-to-date anti-virus, anti-spyware and firewall software or even a security package that includes all three will shield against malicious attacks and should prevent people from having easy access to your details. It’s also worth protecting your wireless network with encryption or a password to stop other people from using your internet access. The latest version of web browser will make it harder for thieves to work their way in to your laptop or PC to begin with. It is possible to obtain good, encompassing software for free from certain sites, but be wary, as some may require you to get bad credit computer loans - http://www.bad- ENSURE YOU UNDERSTAND WHAT YOU ARE SIGNING UP TO BEFORE COMMITTING YOUR CARD DETAILS Companies make it extremely easy to sign up to free trials and other offers online, but its possible to misunderstand how much it could end up costing you, needing a bad credit loan to bail you out of spiraling financial problems. Before entering your card details onto any site, ensure you have checked exactly what is included in the service. If you need to cancel the service to stop future charges, make sure you take note of how and when you have to do it. KEEP A CLOSE EYE ON WHAT THE YOUNGSTERS ARE DOING Music services, online games and virtual worlds, apps and fan clubs are all the rage with teenagers and children who want to sign up to their favourite along with their friends. Many of these sites require an initial fee to get started, often only a small one, but retain your card details for future purchases. Without vigilant checks, your child could end up purchasing additional items for their character or bonus points and gifts without realising that it is costing you real money and then needing a bad credit loan to pay it off. CHECK WEBSITE SECURITY BEFORE YOU BUY If you are unsure which sites to use, try only using websites which have been recommended by friends or family, or are operated by a retailer which you are familiar with to ensure your purchase is secure. Look out for a closed padlock symbol which will appear in the browser address window or in the boarder at the bottom right of your screen as this indicates a secure connection. The site address should also change from http:// to https:// which means the site is secure. If neither of these changes occur, then do not use the site as it is an open invitation for your details to be provided to the wrong type of person. Avoid sites that do not have adequate contact details for the company, as you will have trouble contacting them if something does go wrong with your order. Always keep a note of any reference numbers and print off a copy of your order as evidence should you try and claim for a refund at a later date, if no printer available copy and paste the page and save it on your pc. ONLINE AUCTION SITES The most commonly known auction site, eBay, can be used to obtain great bargains without the need for a bad credit Christmas loan, but it doesn’t mean you won’t encounter any problems. General setbacks include items not arriving or the buyer failing to send payment to the seller. Before bidding on an item, its worth checking the sellers feedback to see how other customers have rated their experience. KNOW YOUR RIGHTS When purchasing goods online, the same consumer rights apply as if you were shopping on the high street. The goods must be of satisfactory quality and the description of the item should not be misleading. If an item arrives in a faulty condition you are entitled to return it and obtain a full refund, providing you do so within a reasonable period of time. WAYS TO PAY The best way to protect yourself when buying or making payments online is to use your credit card. Should the item or service be worth more between £100 and £30,000 then you are protected by the Consumer Credit Act, resulting in the credit card company being liable for any failings. This only applies when purchasing from a UK website, but makes the credit card company equally responsible should the goods never arrive or the retailer provides misleading information. Most purchases made through a Visa debit card are protected by their chargeback scheme, though this is not a legal requirement. PayPal is a safe payment system which is owned by giant auction website eBay and uses encryption to secure payments and the details of the buyer. With PayPal you are able to send and receive money online by multiple currencies, provided you have a valid email address. PayPal also operates a buyer protection feature which enables you to claim for goods up to the value of £250 at no additional cost on the condition that you make your complaint within 30 days. BEWARE THE TAX CHARGES ON FOREIGN PURCHASES Any goods which are imported into the UK are subject to inspection and could be liable for VAT and duty tax. Items which are imported via the internet are subject to the same rules, with VAT at 17.5% (rising to 20% in January 2011) on the purchase price of an item, plus its duty rate. Always read any terms and conditions of an overseas website as the price you are quoted may not be the price which you end up paying causing possible bad credit problems. Bad Credit Loans 4 You helps out people who fear they have been blacklisted because of CCJ’s and Defaults. Bad Credit Loans 4 You holds a Consumer Credit Licence issued by the Office of Fair Trading. The company is also covered by the Financial Ombudsman. Bad Credit Loans 4 You is also registered with the Information Commissioner’ For help, phone 0800 011 4503 or visit http://www.bad- ~Ends~ Notes for Editor: http://www.bad- Loans 4 You of London Ltd Innovation Centre Monks Brook PO30 5WB United Kingdom Tel: 0800 011 4503 Bad Credit Loans 4 You was formed in April 2010, bringing together a team of specialists that together offers over 50 years of expertise to help applicants gain the bad credit unsecured loans they need. From its UK head office in Monks Brook, Loans 4 You operates across Britain, sourcing loans for people with bad credit. Bad Credit Loans 4 You holds a Consumer Credit Licence issued by the Office of Fair Trading. The company is also covered by the Financial Ombudsman. Bad Credit Loans 4 You is also registered with the Information Commissioner’ # # # Loans 4 You helps people source the personal loan they need. Loans 4 You can help people with bad credit history, poor credit history and obviously good credit history, our senior management have over 50 years collective experience in the finance field. End
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