Consumer Rights Act and the Competition & Markets Authority Jon Scott.

Slides:



Advertisements
Similar presentations
CMA approach to consumer enforcement: challenges and opportunities Presentation to the CMA Board 19 March
Advertisements

The Prices Act PRICES ACT 1974 & PRICE MARKING ORDER 2004 The Prices Act 1974 is the primary legislation that has enabled numerous Orders on price.
New Canadian Anti-Spam Legislation Robert Lipson – April 8, 2014.
BC Freedom of Information and Protection of Privacy Act
Customer Service & Customer Protection in MANSELL
Guide to a successful PowerPoint design – simple is best
Legislation Who governs e-commerce?. E-commerce is regulated by laws and guidelines. These aim to ensure that sites operate effectively and that online.
Social Responsibility of Business and Government
Applicants, higher education providers and consumer law April 2015 Janet Graham, Director of SPA David Palfreyman, Bursar and Fellow, New College, Oxford.
BUSINESS PLAN How do you make a business Plan?
University of Pittsburgh Study Abroad Programs Guidelines and Checklist.
Energy | Food | Money Affairs | Postal Services | Transport | Water | Consumer Skills | Consumer Support New laws to protect consumers in the digital age!
EU Awareness raising campaign on Consumer Rights.
Acceptance Definition: The final expression of agreement (assent) to the terms of an offer.
NCA guide for businesses Selling via a website An overview of the key rules if you sell online to consumers.
Standards and Guidelines for Web Page Publishing December 9, 2009.
CONSUMER RIGHTS LEGISLATION. TRADE DESCRIPTIONS ACT (1968) Can’t say your product is something it is not. Can’t say your product is something it is not.
Standards experts. Accreditation solutions. Andrea Spencer Coordinator, WTO/NAFTA Enquiry Point (Canada) TBT Special Meeting on Procedures for Information.
Complaints by Older Adults against Financial Institutions Examples and Possible solutions By Conor Cashman Senior Investigator.
E-commerce Law Consumer Protection. This lecture will examine legislation protecting consumers. We will look specifically at: –Consumer Protection (Distance.
CONTRACTUAL FLOW DOWN OF DPAS PRIORITY RATINGS
E-Commerce Directive 2002 Overview. This Map It was derived from Complying with the E-Commerce Regulations 2002 by the DTI.
JOINT PROGRAMMES: CONSTRUCTION AND CHALLENGES ASEM CONFERENCE QUALITY ASSURANCE AND RECOGNITION IN HIGHER EDUCATION: CHALLENGES AND PROSPECTS LIMASSOL.
Distance Calculus Program Overview. Minimum Requirements vs. Competitive Admission Minimum Requirements: 3.5 overall GPA (GT recalculated scale) 3.5 math.
 How it affects a company’s operation  The need to understand the complexity of business ethics and  the stages that must be established for the proper.
ND e-commerce Carl Arrowsmith Session 14 Consumer Protection & Trust.
MODULE 23: ADVERTISING. Coordinating the efforts of the sales staff in advance pays off. An advertising sales kit organizes important information for.
E-Business Project - Strategy Carl Arrowsmith
Consumer Protection Law and the Applicant Experience SPA Event Wales- Cardiff University, 2 December 2015 Janet Graham, Director of SPA.
Ecommerce Applications 2007/8 E-Commerce Applications UK e-Commerce Regulations.
Competition and Markets Authority, consumer protection and HE admissions 12 October 2015 Dan Shaffer, Head of Professionalism in Admissions.
Osborneclarke.com 0 Ban on excessive payment surcharges Consumer Rights (Payment Surcharges) Regulations 2012 In force 6 April 2013 Implement Article 19.
Consumer Protection Law and Admissions and Student Recruitment 6 January 2016 Janet Graham, Director of SPA.
Chapter 9 Contract Considerations Contract Considerations C H A P T E R 9.
John Balfour Clyde & Co London Conference on EU Passenger Law Towards 2020 Leuven, 6 December 2011 FARE TRANSPARENCY – REGULATION 1008/2008 AND DIRECTIVE.
Chapter 2 Conflict resolution: the consumer © Edco 2012 It’s the Business.
Responding to Invitation to Tenders Michael Fowler Category Manager – Procurement Brian Davies Senior Procurement Officer.
Consumer protection one year on: reflections from the sector UCAS Admissions Conference, 21 March 2016 Janet Graham, Director of SPA Carys Fisher, Policy.
MONEY MANAGEMENT William Blochberger. OPENING A BANK ACCOUNT  Setting up a business bank account is easy. Start by selecting the bank you want to work.
How to apply for a Tier 4 visa Student Immigration Team.
Jenny Lyon Quality Assurance Team
Changes to Credit Card Rules WBA Consumer Education Conference September 9, 2010.
[ Direct marketing – an introduction to data protection and privacy] For [insert name of organisation] presented by [insert name of presenter] on [date]
Student Satisfaction: MMUnion: Hidden Fees Campaign Becci Heard Student Voice Manager.
Consumer Protection Law and the Applicant Experience SPA Event Wales- Cardiff University, 2 December 2015 Janet Graham, Director of SPA.
Introduction to online sales – The legal aspects of the business Quick Course on e-Commerce.
Consumer Protection Legislation Sale of Goods Act Distance Selling and E-commerce Regulations.
What is this called and why is it there?. What is this called and why is it there?
Consumer Protection Law and Admissions and Student Recruitment July 2016.
Students’ Rights: The CMA and beyond
SPA Programme outline 26/04/2018
Communications and Marketing February 2017
Tender Evaluation and Award Process
Insolvency protection: questions raised by the Member States
Consumer Law AND Student Recruitment: A Practitioners’ guide
Applying for HEA Fellowship
Best Content Writing Services
Unit 8 – E-commerce by Nick Sims
OFFICE FOR THE PROTECTION OF COMPETITION
Energy Accreditation Training
Credit Cards: More Than Plastic
PowerPoint presentation
Communications and Marketing November 2017
Pitch Deck Template.
Legal and risk management WOB_1
Consumer Protection Law: HE Admissions
TYPES OF INFORMATION SOURCES
Student complaints and consumer rights issues
Presentation transcript:

Consumer Rights Act and the Competition & Markets Authority Jon Scott

Competition & Markets Authority Consumer Protection Regulations (2008) - CPRs Consumer Contracts Regulations (2015) – CCRs Unfair Terms (in Consumer Contracts) Regulations (1999) – UTCCRS Consumer Rights Act 2015 Universities are viewed as ‘traders’ and students as ‘consumers’

Consumer Protection Legislation Cover ‘invitations to purchase’ and provision of material information Universities must not: –Advertise goods/services that do not, or may not exist when the student arrives at that point in their course – for example withdrawal of a course or module that was advertised when the student applied. –Omit material information needed for an informed decision: e.g. additional costs or restrictions on student numbers taking a given module –Provide information that is obscure or untimely –Use aggressive sales tactics

Consumer Protection Legislation The University is required to: Provide the information an enquirer needs to make an informed decision i.e. the ‘material information’ : –course structure and the fees/costs (incl. extras). –non-course-related information, e.g. accommodation options –any important and surprising rules and regulations Provide information that is accurate, complete, clear, unambiguous, up front, timely and accessible, e.g. website, prospectus, open days, social media. –this applies whoever provides the information on behalf of the University, irrespective of format, i.e. written, digital, visual or spoken. This could include, for example, a member of staff or a student ambassador talking to an applicant at an open day, or it could be something put out on social media Provide information about how to complain

Consumer Contracts Regulations An admissions offer is an offer of a contract: Description of the course title being offered and whether the award is accredited Duration of the programme Core modules for the course and indication of likely optional modules and when they will be delivered (especially if not every year) Clarity around what might change Composition of the course and how it will be delivered Total price of the programme including: –Tuition fees –Any extra costs e.g. field trips, equipment, books, printing costs etc. –Whether these costs are mandatory or optional and when they fall due How to complain Right to cancel up to 14 days after accepting the offer

Consumer Rights Must be clear about what might change & why May need to gain consent or reimburse students affected by significant changes Must be a single source of information, properly signed off: e.g. link to central source rather than host programme information on dept’l pages If possible remove all legacy on-line material Social media: must be a clear distinction between personal and institutional accounts and statements