chapter 9: protecting the consumer consumer laws ms.mcglynn

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Chapter 9: Chapter 9: Protecting the Protecting the Consumer Consumer Consumer Laws Consumer Laws Ms.McGlynn Ms.McGlynn

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Page 1: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

Chapter 9: Protecting Chapter 9: Protecting the Consumerthe Consumer

Consumer LawsConsumer Laws

Ms.McGlynnMs.McGlynn

Page 2: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

Reasons for Consumer Reasons for Consumer ProtectionProtection

Unsafe or Low Quality GoodsUnsafe or Low Quality Goods Overcharging and incorrect Overcharging and incorrect

weightsweights Misleading AdvertisementsMisleading Advertisements Faulty goodsFaulty goods Slick sales methods, e.g. special Slick sales methods, e.g. special

offeroffer

Ms.McGlynnMs.McGlynn

Page 3: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

Consumer LawsConsumer Laws

Sale of Goods Sale of Goods and Supply of and Supply of Services Act Services Act 19801980

Consumer Consumer Protection Act Protection Act 20072007

Ms.McGlynnMs.McGlynn

Page 4: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

Sale of Goods and Supply of Sale of Goods and Supply of Services Act 1980Services Act 1980

1.1. Merchantable QualityMerchantable Quality

2.2. Fit for their purposeFit for their purpose

3.3. As describedAs described

4.4. Correspond to sampleCorrespond to sample

5.5. Suppliers of services must be Suppliers of services must be qualifiedqualified

Ms.McGlynnMs.McGlynn

Page 5: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

It is the seller's responsibility to It is the seller's responsibility to put things right if there are put things right if there are problems.problems.

Ms.McGlynnMs.McGlynn

Page 6: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

Consumer Protection Act Consumer Protection Act 20072007

Protects consumers against Protects consumers against false or misleading claims about false or misleading claims about goods, services and pricesgoods, services and prices

E.g. stating wrong weight on E.g. stating wrong weight on productproduct

Ms.McGlynnMs.McGlynn

Page 7: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

Consumer Protection Act Consumer Protection Act 20072007

EU Directives concerning EU Directives concerning pyramid schemespyramid schemes

EU Directives on unfair, EU Directives on unfair, misleading or aggressive misleading or aggressive commercial practises. commercial practises.

Ms.McGlynnMs.McGlynn

Page 8: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

Consumer Protection Act Consumer Protection Act 20072007

Deals with the National Deals with the National Consumer AgencyConsumer Agency

o Informs consumers of their rightsInforms consumers of their rightso Investigates complaints Investigates complaints

Ms.McGlynnMs.McGlynn

Page 9: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

Food LabelsFood Labels

Clear, legible Clear, legible and understoodand understood

Show name of Show name of foodfood

Show actual Show actual selling priceselling price

Show use by, Show use by, sell by and best sell by and best before date.before date.

Ms.McGlynnMs.McGlynn

Page 10: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

Bar CodesBar Codes

Series of lines Series of lines on goods that on goods that allow computers allow computers to identify to identify productsproducts

Scanned at Scanned at check outscheck outs

Less mistakesLess mistakes Records stockRecords stock

Ms.McGlynnMs.McGlynn

Page 11: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

SymbolsSymbols

Symbols of Symbols of qualityquality

It tells the buyer It tells the buyer that the good is that the good is of good qualityof good quality

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Page 12: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

Unit PricingUnit Pricing

Unit pricing shows the price per kilo/litreUnit pricing shows the price per kilo/litre It enables a consumer to decide what is the It enables a consumer to decide what is the

best value.best value. Food labels must show the price per Food labels must show the price per

kilo/litre rather than overall price.kilo/litre rather than overall price. Consumers can compare prices the best Consumers can compare prices the best

prices per kilo/litre rather than total price by prices per kilo/litre rather than total price by using the formulausing the formula PricePrice

____________ QuantityQuantity

Ms.McGlynnMs.McGlynn

Page 13: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

Consumer Protection AgenciesConsumer Protection Agencies

1.1. Enterprise IrelandEnterprise Ireland

2.2. Trade AssociationsTrade Associations

3.3. National Consumer AgencyNational Consumer Agency

4.4. Small Claims Court/ProcedureSmall Claims Court/Procedure

5.5. Consumer Association of Ireland Consumer Association of Ireland (CAI)(CAI)

6.6. The Ombudsman: State, Financial, The Ombudsman: State, Financial, InsuranceInsurance

7.7. The Advertising Standards Authority The Advertising Standards Authority for Ireland (ASAI)for Ireland (ASAI)

Ms.McGlynnMs.McGlynn

Page 14: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

1. Enterprise Ireland1. Enterprise Ireland

State Organisation that sets new State Organisation that sets new standards for safety and quality standards for safety and quality for goods & services and issues for goods & services and issues reportsreports

Operates the National Operates the National Standards Authority of Ireland Standards Authority of Ireland NSAINSAI

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Page 15: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

2. Trade Associations2. Trade Associations

Suppliers of goods and services Suppliers of goods and services are members of organisations are members of organisations which lay down standards of which lay down standards of conduct for their membersconduct for their members

These associations try to settle These associations try to settle disputes between members and disputes between members and customerscustomers

E.g. Irish travel agents E.g. Irish travel agents association ITAA, SIMIassociation ITAA, SIMI

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Page 16: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

3. National Consumer Agency3. National Consumer Agency

Informs consumers of their rights. Informs consumers of their rights. Publishes booklets advising Publishes booklets advising consumers of their rights – publishes consumers of their rights – publishes a shoppers’ rights card.a shoppers’ rights card.

Enforces consumer laws – Enforces consumer laws – investigates complaints. investigates complaints.

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Page 17: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

4. Small Claims Court4. Small Claims Court

Deals with consumer Deals with consumer claims up to claims up to €2,000€2,000

Handles claims Handles claims speedily – no solicitors speedily – no solicitors neededneeded

Fee of €15Fee of €15 Need to try settle Need to try settle

dispute with seller dispute with seller before going to the before going to the small claims courtsmall claims court

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Page 18: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

5. Consumer Association of 5. Consumer Association of IrelandIreland Voluntary BodyVoluntary Body Advises consumers Advises consumers

about goods and about goods and services and laws services and laws affecting themaffecting them

Consumer Choice Consumer Choice magazinemagazine

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Page 19: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

6. Office of the Ombudsman6. Office of the Ombudsman

Investigates Investigates complaints by complaints by members of the members of the public against public against state state organisationsorganisations

E.g. government E.g. government departments, departments, HSE, An PostHSE, An Post

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Page 20: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

7. Ombudsman for Credit 7. Ombudsman for Credit InstitutionsInstitutions Deals with Deals with

complaints complaints against banks against banks and building and building societies.societies.

Try to deal with Try to deal with the dispute with the dispute with the bank before the bank before you call upon you call upon the ombudsmanthe ombudsman

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Page 21: Chapter 9: Protecting the Consumer Consumer Laws Ms.McGlynn

8. Insurance Ombudsman of 8. Insurance Ombudsman of IrelandIreland Deals with Deals with

complaints against complaints against insurance insurance companies about companies about overcharging and overcharging and compensation compensation paymentspayments

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The MEDIAThe MEDIA

Joe Duffy ShowJoe Duffy Show Highlights complaintsHighlights complaints Embarrasses people into solving Embarrasses people into solving

the problemthe problem The Consumer ShowThe Consumer Show WatchdogWatchdog Rogue TradersRogue Traders

Ms.McGlynnMs.McGlynn