QI have a smaller budget for gifts this Christmas than last year. I’m hoping to do my shopping earlier so I don’t spend too much money on impulse purchases on Christmas Eve. I plan to shop online on Black Friday November 25th to grab some bargains. However, I haven’t shopped online much yet and I don’t know which sites to trust. What do I have to consider?
Peter, west port
A First, check which country you’re buying from: you have stronger rights if the company is based in Ireland or elsewhere in the European Union. A website with an .ie domain does not necessarily mean that the seller is based in Ireland. So look for a physical address for the company – a useful way to do this is to check the “About” section of the website or at the very bottom of the homepage.
When shopping from a company based in the UK or elsewhere outside the EU, different consumer rights and potential customs duties apply. If you buy from an EU seller, they are responsible for your purchase until it is delivered to you (unless you have arranged your own delivery). If it is not delivered, the seller must organize a replacement or refund.
If you buy something online and then change your mind, you have 14 days from the day you receive the item to cancel your order. You have an additional 14 days to return the item and receive a full refund.
Also, check the delivery times for your order: companies must deliver your purchases within 30 days unless they make a different time frame clear to you before you make your purchase.
If you find a defect in the product within 30 days of delivery, you have the right to return it for a refund. Some companies may offer a refund, exchange or store credit – this varies from company to company. Therefore, before you buy, check their conditions.
Finally, make sure you shop around to make sure your offer really is an offer. Try not to get too swayed by discounts advertised online; Consider if it represents good value for your money.
Compare prices based on the exact model or characteristics of the product, remembering that for certain online sales you also have to take into account shipping costs.
“I have delayed the closure of my Ulster Bank account. How do I start finding a new bank?’
Q I have a current account with Ulster Bank and as they are going offline I will need to switch accounts in the coming weeks. I put this on the back burner as I’m not sure where to start. Can you help?
A Try to complete the switching process as soon as possible as Ulster Bank has indicated it intends to start blocking certain accounts soon. These are the steps to follow.
Choose a new provider
Think about what you expect from your new provider. How often do you withdraw cash? Do you need or want access to a branch near you? Do you need a bank overdraft, a joint account or mobile banking? The answers will help you decide which type of checking account is best for you.
Use the comparison tool on our website (ccpc.ie) to help you choose.
Open your new account
Your new provider will tell you how to open an account. This is usually an application form that can be filled out online. You will need proof of identity and proof of your address.
If you’re considering an overdraft, your new provider will conduct a credit check. The new provider should provide you with all the details of your new account, such as: B. Your IBAN and BIC.
Prepare for the switch
Check your bank statements for the last 12 months and list all payments going in and out of your new account.
Incoming payments may include your salary, while outgoing payments may include direct debits and standing orders.
Using your list of deposits and withdrawals, give your new IBAN to everyone who deposits into your account, such as payments.
Ulster Bank tells you how to close your account.
https://www.independent.ie/business/personal-finance/black-friday-im-a-novice-as-an-online-shopper-what-should-i-watch-out-for-42138244.html Black Friday: “I’m a novice online shopper. What should I put attention on?’