21/12/2013 Your Money


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your shopping? Just about. Maybe one or two little people that I haven't


forgotten about at all! All that on this week's Your Money.


Hello and welcome to Your Money here every weekend on BBC News. Bargain


hunt, we will discover the tricks we need to do to get the lowest prices


for our Christmas shopping. We will get our rights if it is the wrong


colour or doesn't work or we don't like it anymore. Toxic tipple, Brian


Milligan discovers that cheap booze maybe fake and could damage your


health. So the shortest day is upon us.


Surmer is on the way! A couple of long days of Christmas shopping to


get out of the way first. We are taking a look at how to find the


last minute bargains and what your rights are if the goods just aren't


right. With two very special shopping elves, sue Hayward and


Sarah Pennell. Welcome to both of you. Sue, preparation is everything


when it comes to hunting down the bargains? It is being prepared. You


don't want to run out in a random rush and grab the first thing you


see. You need to, before you leave home, print off discount vouchers.


There are lots of websites you can do this. If you print them off, when


you see the bargain you can get more discount. With these vouchers, it is


a case if you are using a voucher, you can't take advantage of an


instore discount, but in the run-up to Christmas lots of shops have been


offering double discount so you can get discount as well as your


voucher... Does this mean you need to know before you leave the house


what you are going to buy or do you bring a load with you? You need to


think where you are going and what you are going to buy. There are a


couple of apps, Voucher Cloud is a good one. It will send you the


vouchers and the discounts on your phone to the nearest shop. If you


are going in and think, "I forgot that voucher." You can use the app


to get the discount. It is all hi-tech. You can show your phone and


the app to the store and get it there and then which is great.


Why would you do your shopping in advance? You do it because you are


Miss Organised! And that's fine. 72 out of 100 stores on sale right now


before Christmas. The average discount according to Price


Waterhouse Coopers is 46%. That's nearly half price? The reason I do


it. I was disorganised a couple of years ago! You learned that lesson.


The advantage of doing it in advance is you can get what you really want


and I think I think I buy better presents or more thoughtful ones


when I am not under time pressure. I might have missed out on the good


discounts, there isn't any guarantee that something that is well


discounted will be in the shops or in the online retailers by the time


you come to get it, it is a game of chicken and if you think I have got


lots of friends I can buy a variety of presents for, I want to get the


most with my money. And you don't mind the scrum, fine. You can get


more choice if you put more thought into it.


A lot of people would like to order something online, pick it up from


the local store, but not many days left until Christmas. The clock may


have run out on that? That's true. Some stores particularly Debenhams


say they need up to five days for the Click and Collect service. Are


they carrying the stuff to the store on their back or something? They


said it is five days from dispatch. So when it leaves the ware White


House John Lewis and M and Boots, you can click and collect and you


can do it to 2pm on Monday and you can collect it the next day. If the


high street is busy, sometimes it can be worth paying for a next day


delivery to save you the car park charges and the hassle of looking


for a parking space. It is swings and roundabouts sometimes.


Check. Check. Check. Absolutely and make sure it is in stock and they


won't say guaranteed Christmas delivery with a lot of these. It is


a case that you are taking your chance unless they are guaranteeing


it for Christmas. You mentioned apps. There are apps that allow you


to check the price of something while you are in the store and tells


you where if you can get it cheaper somewhere else? There is a good one


called Red Laser. You can use your phone to zap the barcode and it will


tell you where you can buy it cheaper. You may decide, quickly go


on your tablet or decide to buy it there and then. If you do and


discover it cheaper, if you keep your receipt, a lot of stores are


generous with the returns policies which means you can take it back and


get your money back and buy it elsewhere.


We will talk about your rights when you are shopping during the sales


and Sarah will have more information on that in a few minutes. It is time


to see what the Secret Santa of news brought us. MPs want to tighten the


rules on pay day loan companies. They say the lenders should be


banned from advertising on television when children's


programmes are on the air. The MPs say borrowers who get into trouble


should only have their loans extended once. That might prevent


them from clocking up bigger debts. Fewer people are worried about their


debts. There has been a drop in the number of households concerned about


the amount they borrow. But did warn that future rises in interest rates


and it is a matter of when they go up, not if, it warned more expensive


borrowing costs could squeeze households with big mortgages.


The council for mortgage listeneders says -- lenders says lending in


November was 30% higher than a year ago. It insists that's not a boom.


There is an old rule when it comes to money, if something looks too


good to be true, it probably is. Christmas shoppers have been warned


booze maybe fake as it could damage their health. Here is Brian


Milligan. In this bar in Sheffield, students


celebrating the end of term have been warned about the dangers of


drinking fake alcohol. Some admit they found bottles of cheap vodka


tempting. In my first year, I was silly enough to buy stuff from a


corner shop which came under the counter and was not a properly


manufactured alcohol product. I had friends who suffered from temporary


blindness. Fake alcohol is being sold at shops like this one. The


owner was found after 600 bottles of counterfeit vodka were found under


the counter. The number of bottle being found in Sheffield alone has


quadrupled. Most contain industrial alcohols used in cleaning flundz or


antifreeze. It is not tested. There is no quality control. These are


criminals that are manufacturing there are. They are not concerned


about the council sume -- consumer's health. There could be anything in


it. Seizures of fake vodka are growing. In August a nightclub in


Leeds was fined. At cairn Rhine, 13,000 litres were sold and this


month a pub in Chelmsford was fined for selling fake Smirnoff. Many of


the changes are not reversible. You can lose your eyesight or your


ability to walk like a normal person. You can lose your life.


Spotting a fake isn't easy. On a small bottle like this, this one


appears to have the UK duty paid stamp, but that's the wrong size. If


you look closely, you can see sediment in the bottom of that one.


On this larger bottle, it tells you on the back that it comes from


somewhere called Russia-Berlin. On a big bottle like this, the duty and


VAT alone should amount to ?8.89. If you are paying ?9 a bottle,


something is wrong. The advice being given to drinkers be careful where


you buy your alcohol, check the labels and if the product looks


suspicious, do not drink it. Thousands of elderly and poor


customers with NPower are to get at least ?25 back. It is a total fine


of ?3.5 million. The payments will be made to customers who get the


Warm home discount. The competition watchdog says we pay


too much for car insurance and blamtion the high cost of -- blames


the high cost of replacement cars and repairs.


It gives a whole new meaning to money laundering. The Bank of


England unveiled the plastic banknote it will bring in from 2016.


People in Northern Ireland will know what they feel like already because


we have had them for years. The new fiver will feel slimmery and bounce


back if you scrunch it up and survive a spin in the washing


machine. It will buy just as little as a paper fiver!


Emergency this on Christmas Day, those presents that you ordered


online, well, they didn't arrive. The shoes you did get, they don't


fit and auntie doesn't like the colour of her cashmere jumper,


grumpy old bag! There are a number of scenarios,


first of all, something doesn't fit? If it doesn't fit and you brought it


on the -- bought it on the high street, you don't have a right to


bring it back, but many shops will let you. If you have bought it as a


present get a gift receipt. If you forget, write a note saying, lovely


jumper, gifted to Declan cap Curry. Online, you have got seven working


days from the day after the goods arrived to reject the goods and


cancel the sale. There are a couple of exceptions which are common


sense, food and fresh flowers. If you were to buy a pair of shoes and


clothing and decided you didn't like them, you can cancel the sale. Do


that by e-mail and you can get a refund. You say seven days and


that's for stuff done online? Yes. No time limit for stuff you buy over


the counter? There, you don't have a legal right to bring it back. It is


at the shop's discretion. I often ask when you are buying, it is often


28 days, but it is often until the middle of January.


You have the right to bring stuff back. The law here is very clear. It


doesn't matter where you buy it, whether you buy it online, you buy


it in a high street or whether you pay full price or not. If it is


faulty, you have got the right to return it and you can get a refund


depending on when you return it are o a replacement or repair. When I am


shopping, you can imagine I am eagle eyed and I see signs saying "No


refunds. No returns on sale goods." That's illegal. They can't say that.


If you see those signs, that's not correct. You can argue your case. I


imagine you are a nightmare when it comes to shopping in the store. Sue,


that's an important point if you are buying something in the sales and


you are picking up a bar gain, those signs are there and they are wrong?


Yes, that's right. They are wrong which is the case very much


sometimes you need to actually, if you are not clear, ask for the


manager and check the details because sometimes I found when you


are taking things back to stores, the staff simply don't know the


rules. So it is worth not being fobbed off. Going home thinking


about it and checking details online and you can go back and argue your


case. You could argue cash is more personal. You can decide what you


spend your money on. Vouchers have been popular, but they are risky?


They are. The problem is as we have seen over the last year, some stores


have, when they have gone to the wall, their company won't accept the


vouchers. If you feel uncomfortable about giving cash, give one of the


vouchers that are not restricted to one store. If it is a big high


street store, the chances are you would be OK. Go cash or a voucher,


you can use amongst several stores. Is there better protection if you


pay for something on a credit card rather than cash or cheque or debit


card? You do get some protection under what is called chargeback if


you pay by debit or credit card. It is no minimum spend limit. If you're


buying something online and you see a bargain, it is made from a company


you haven't heard of and the ASCII to pay by bank transfer, do not do


it. It is like paying in cash. If it turns out to be bad, you have


absolutely no comeback. Thank you very much. That's all from Your


Money for this week.Advice on saving, borrow and spending all week


long on the Your Money pages on the BBC's website. It's bbc.co.uk/money.


You can get updates by following our feed on Twitter. We're @BBC Your


Money. We're back again in early January. From all of us here, have a


Merry Christmas. Thanks for watching today.


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