The following Commercial Q&A provides comprehensive and up to date legal information covering:
The rights under a manufacturer’s guarantee are separate to and in addition to the rights in the Consumer Rights Act 2015 (CRA 2015). A consumer does not have to avail themselves of the remedies under a manufacturer’s guarantee and if it has expired, they still have their rights against the retailer under CRA 2015. For guidance on this issue, see section Guarantees and extended warranty insurance in Practice Note: Consumer Rights Act 2015—summary—Goods.
Under CRA 2015, s 23, if the customer no longer has the right to reject the goods because the 30-day period has expired, they can ask the trader to repair or replace the goods.
If the consumer asks the trader to repair or replace the goods, the trader must do so within a reasonable time and without significant inconvenience to the consumer and bear any necessary costs in doing so, eg labour, materials and postage.
The consumer cannot require the trader to repair or rep
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This Practice Note explains certain common financial covenants used in commercial finance transactions including:•minimum net worth test•gearing ratio•leverage ratio (or debt to equity ratio)•current ratio (or acid test ratio)•cashflow ratio•interest cover ratio, and•loan to value ratioIt explains:
BREXIT: UK is leaving EU on Exit Day (as defined in the European Union (Withdrawal) Act 2018). This has an impact on this Practice Note. For further guidance on the impact of Brexit on e-money requirements, see Practice Note: Impact of Brexit: Payment services and electronic money directives—quick
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What is a third party debt order (TPDO)?Third party debt orders were previously known as 'garnishee' orders and operated under the regime provided for in CCR Ord 30 and RSC Ord 49 (now revoked). Although the rules in CPR 72 are new, many of the principles with which they are concerned are well
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