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Know your new rights

More than one in five people in the UK experience problems with goods and services.  A quarter of them spend more than four hours trying to sort out these problems, one in ten having to take time off work to do so.

So new laws which clarify rules around  such thorny issues as refunds, repairs or replacements are to be welcomed by consumers and their representative groups.

The Consumer Rights Act 2015 came into effect on October 1 and streamlines eight pieces of legislation into one. This should make life a little easier for shoppers who encountered more than 18 million problems with consumer goods and services over a 12 month period.

Martin Lewis shares his two big consumer need-to-knows