Credit reporting agencies must collect, maintain and report your credit and personal information in a responsible manner
Payday Loans Acts provides rights when you borrow from a payday lender.
Cooling-off periods come under Consumer Protection laws Generally it is illegal for a business or individual to give you false information about themselves or the product or service they offer.
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Some examples of misrepresentation include:
claiming that they have licences, accreditation or certification when they don’t
showing false safety certification or accreditation for an item
stating that the product is a certain grade, style, model, or quality when it isn’t
promising to deliver a service or product when they know or should know that it’s not possible
recommending unnecessary repairs or replacements to items
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