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If you’re buying early and the returns period will be up before your recipient has a chance to open and test the product, it’s a good idea to do that yourself. Better to have an open box and a working product than a pristine, sealed present with a defective product inside. Of course, if the item is faulty, you can still return it after the standard returns period, but it’s still a good idea to do it quickly are you’re not automatically entitled to a refund after 30 days.

Buying on credit and lenders’ obligations Buying on credit provides additional protection if a product is unsatisfactory. Note that this applies only if it was purchased using a credit card (Mastercard or Visa, for example), and not with a debit card (Electron, Switch/Maestro, Visa Debit, for example). When you pay for an item costing between £100 and £30,000 on a credit card, your credit supplier is brought into the purchase contract: the bank pays the vendor, and you pay the bank. You have exactly the same rights against the credit provider as you do the product vendor, which means you can claim back your money through the bank if the supplier suddenly goes bust. Buying on finance, whereby you get the product now and pay later, can provide similar protection. Your rights here are governed by the terms of the financial agreement you sign. Read the small print!

Manufacturers’ warranties Most products come with a manufacturer’s warranty that provides a separate agreement between the manufacturer and the buyer. In the event of a JANUARY 2017 • MACWORLD 75 MWJAN17.indd 75

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