Which Magazine LogoThe consumer magazine “Which” has been going since time began.

 They have always campaigned for changes to the law to help consumers and to stamp out bad practices and they have special legal powers to make this easier on behalf of all consumers.

Which? is a brand name used by the Consumers' Association - a registered charity, based in the United Kingdom. It exists to promote informed consumer choice in the purchase of goods and services by testing products, highlighting inferior products or services, raising awareness of consumer rights and offering independent advice. The association owns several businesses, including Which? Financial Services Limited (Which? Mortgage Advisers), Which? Legal Limited, and Which? Limited, which publishes the Which? magazine.

The Consumers' Association is the largest consumer organisation in the UK, with over 573,000 subscribers to its magazine.

Super-complaints

The Consumers' Association has the power under The Enterprise Act of 2002 to take action on behalf of consumers, including the ability to bring a super-complaint to the Office of Fair Trading (OFT). A super-complaint can be made about any market that is not working properly for consumers. The OFT has 90 days in which to assess the complaint and decide what to do about it. It can reject the complaint in part or as a whole, it can launch a market investigation, take action under competition law or consumer law, or refer the market to the Competition Commission for further investigation.

Which? made its first super complaint about private dentistry in 2001.It later made complaints about care homes, the Northern Ireland banking sector and credit card interest calculation methods. In March 2011 it made a super complaint about unfair debit and credit card payment surcharges made by retailers. 

Online Fraud Super-Complaint

In September 2016 Which? filed a super complaint against banks that routinely refuse to reimburse victims who have been scanned into transferring money into fraudsters’ accounts. Which? said banks should “shoulder more responsibility” for such fraud, much as they already reimburse customers who lose money through scams involving fraudulent account activity, or debit or credit cards.

According to official industry data, cases in the UK reported totalled  1,007,094 in the first half of 2016. Which? said: “Consumers can only protect themselves so far. People cannot be expected to detect complex scams pressuring them to transfer money immediately, or lookalike bills from their solicitor or builder” that are copied from genuine bills but have had the bank account number and sort code changed.”

Which? asked the financial regulator, to ensure banks better protect customers who are tricked into sending money to a fraudster. However, the regulator is not yet convinced that banks should be responsible for money lost to bank transfer scams.

Which? need more people to share their scams experiences with them and help put pressure on the regulator to deliver this change.

 Go to  https://campaigns.which.co.uk/scams-fraud-safeguard/ to add your name to the campaign.

Campaign - PPI Mis-Selling

Payment protection insurance (PPI) was usually sold with products that you need to make repayments on, like a loan, credit card or mortgage.  It was designed to cover repayments in certain circumstances where you couldn’t make them yourself. These include if you were made redundant or couldn’t work due to an accident, illness, disability or death.

As many as 64 million PPI policies have been sold in the UK, mostly between 1990 and 2010.

But Which found that PPI was often mis-sold. More than £27bn has already been paid back to people who complained about the sale of PPI.

Campaign – The Big Change

Which don’t think banks always treat their customers fairly and wants bankers to start putting customers first.

The public deserve better and banks should be publicly held to account for their customer service

Which? need your support to convince the regulators, government and banks to deliver better everyday banking

http://www.which.co.uk/campaigns/better-banks/  to add your name to the campaign.

Campaign - Challenging Whirlpool

Which? want to make Whirlpool do more to prevent faulty dryer fires

Some 750 fires have reportedly been linked to Whirlpool’s faulty tumble dryers. Despite beginning a repair programme, Whirlpool’s fire-risk dryers continue to pose a potential threat to people’s homes. Whirlpool’s seemingly slow, and Which? think inadequate, response has further highlighted problems with the current product safety system. Join them in challenging Whirlpool to sort this mess out quickly.

Go to https://campaigns.which.co.uk/challengingwhirlpool/ and add your name to the campaign.

Campaign - Nuisance Calls and Texts

Which? are working with the Government to take action on nuisance calls and text messages.

Which want to stop you from being bombarded by this menace.

Sign their petition and report your nuisance calls to keep up the pressure 

Go to http://www.which.co.uk/campaigns/nuisance-calls-and-texts/ and add your name to the campaign.

 

If you have any experiences with scammers, spammers or time-wasters do let me know – go to the About page then Contact Us.

 


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