Ways to shop
From online shopping to in-store, auction and the sharing economy, the rights you have as a consumer are different depending on where you buy from.
Credit and loans
Information on using credit, ‘buy now and pay later’ loans and alternatives to high-cost loans.
Lay-by
How lay-by agreements work, what to expect and what to do if you have a problem.
Leasing or renting goods
Consumer lease agreements, your rights and what to do if things go wrong.
Gift cards and vouchers
Information on buying and using gift cards and vouchers, expiry dates and what to do when you have a problem.
Referral selling
An explanation of referral selling and why it is illegal.
Help if I can't pay
Advice and support to help when you are dealing with financial stress.