Buy something from a store in cash and the store must obey the Sale of Goods Act rules. But what happens if you’re one of the growing band of voucheristas who buy without cash? In a nutshell your rights are identical. When you purchase goods or services you are entering into a contract between you and the...

This quick blog is more to ensure there’s a permanent record than anything else. Last week I was on a debate panel for CCCS at the Liberal Democrat conference. One fellow panellist was the coalition Consumer Minister, Ed Davey, so I took the opportunity to ask him about the Financial Inclusion Fund (FIF). In a nutshell the...

Many homes can make £250+ savings by switching energy, but a large proportion don’t do it. Energy Secretary, Chris Huhne’s been widely quoted as blaming public laziness. As I’ve been nagging, pushing, and trying to persuade people to switch for 10+ years, I thought it worth noting down what barriers I’ve noticed. To be fair to Chris...

Turn on a radio phone-in, read a web forum, listen to people talking in the pub, and politicians are often described in disparaging terms and are accused of not ‘living in the real world’. Yet most MPs I meet from all parties are decent people, caring about big issues and wrestling with tough concepts to try and...