Consumer rights changes to buyer protection and refunds after Brexit

The United Kingdom (UK) left the European Union (EU) at the end of January 2020, and after December 2020, consumer rights affecting your protection as a buyer could change. Here’s what you need to know about the changes that affect you now, and what could happen in the future surrounding purchasing from an EU seller.

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

Yes, section 75 is UK legislation, 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?

EU law will continue to apply after the UK has left the EU on the 31 January 2020, and at least until the end of the transition period which runs till 31 December 2020.

Consumers will not see any changes to existing consumer rights and protection during the implementation period from 31 January 2020 to 31 December 2020.

However, from 1 January 2021, specific protection would depend on the details of any new agreements.

After this period, you should always check the terms of consumer protection offered by the seller and the seller’s EU country to see if the level of protection is different from the UK’s.

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