Consumer rights changes to buyer protection and refunds after Brexit

After the United Kingdom (UK) leaves the European Union (EU), consumer rights affecting your protection as a buyer could change. Here’s what you need to know before you buy anything from an EU seller.

Will refund protection under section 75 still apply to goods and services bought with my UK credit card after Brexit?

UK leaves with or without a deal

Yes, section 75 is a UK legislation and so is unaffected by the UK leaving the EU. It means you can claim refunds from your credit card provider if a retailer or trader is in breach of contract or mispresents goods or services.

Section 75 also applies to foreign transactions as well as goods bought online, by telephone or mail order for delivery to the UK from overseas.

What protection will I have when buying goods and services abroad?

UK leaves with a deal

There are unlikely to be any changes to the current protection during the implementation period from 31 October 2019 to 31 December 2020.

However, from 1 January 2021, it would depend on the details of any new agreements as to what specific protection would apply.

UK leaves without a deal

UK consumers may see changes in how the UK courts can be used to get compensation from EU-based traders.

You may need to challenge for compensation through the courts of the EU state you bought the goods or services in rather than a UK court.

You shouldn’t see any immediate differences in protection between UK law and that of EU countries, but you should always check the terms of consumer protection offered by the seller and the EU country the seller is located in to see if the level of protection is different from the UK’s.

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