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They do not apply to:
• financial services like insurance or banking. The Financial Services Authority (FSA) regulates financial services businesses – see their web site at www.fsa.gov.uk
• auctions – including auctions on the internet. Be careful when buying at online auctions because auctioneers, unlike other sellers, can refuse to accept responsibility for the quality of the goods they auction. Read the conditions of sale with care. But, unless the seller is a private individual, the standard terms of the contract set out in the Unfair Terms in Consumer Contracts Regulations 1994 still apply see www.oft.gov.uk/html/consume/general.htm#uct
• vending machine purchases
• contracts involving the sale of land
Most of these rights – and particularly the right to cancel – do not apply to:
• unsealed audio or video tapes
• computer software
• betting games or lottery services
• newspapers and magazines
• food, drink or other goods intended for everyday consumption delivered by regular roundsmen – deliveries of milk, for example.
• contracts for accommodation, transport, catering or leisure services, which are arranged for a specific time or date. Train, airline or concert tickets, for example or hotel bookings.
• timeshare and package holidays
You have some extra rights when you shop from home for some of these products and there are other consumer protection rules that apply. Look at www.oft.gov.uk/html/consume/consume.htm for more information.
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