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The mis-selling of Payment Protection Insurance (PPI) has become headline news in the last few years with millions of pounds being refunded to consumers from across the UK.

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And as a result, what seems like no end of companies have sprung up offering to help you claim back money that you should never have paid in the first place.

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In 2011 the Financial Ombudsman Service revealed that 80% of PPI claims were submitted by Claims Management Companies (CMC).听 BUT you can apply for a PPI refund yourselves, without paying any fees. And with many CMCs taking up to 30% of your refund it is worth doing it yourself.

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The Sale of Goods Act 1979 protects consumers who buy from traders by adding statutory rights to every contract.

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Under the Act if you buy something from a shop that is faulty, not as described or breaks down sooner than you could reasonable expect you can get a refund or repair.

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This also applies to second hand goods, if you鈥檙e sold a product with an existing fault and it wasn鈥檛 made clear to you when you bought it - you should be entitled to a refund, repair or replacement.听

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When you buy at a distance, online, over the phone or by mail order, you have the same rights as you would if you made the purchase in a shop and you are also protected under the Distance Selling Regulations 2000.

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This means that if you change your mind you can cancel up to (normally) seven working days after the date you received the goods and receive a full refund.

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To find out more about your rights when buying goods visit