Know exactly what you're owed.

No. It gives general legal information about UK consumer rights in plain English and doesn't consider your full circumstances. For advice on your specific dispute, contact Citizens Advice, Advice Direct Scotland, or Consumerline (Northern Ireland).

Yes — it's free, supported by paid listings from solicitors and consumer-rights advisers shown across the app.

Consumer rights for purchases made as a private individual in the UK — faulty or misdescribed goods, returns, warranties, and how your payment method affects your protection.

It doesn't cover business-to-business purchases, or disputes with landlords, employers, or public bodies — those sit outside UK consumer law and need a different source of advice.

England & Wales, Scotland, and Northern Ireland — each with its own guidance, since time limits, courts, and advice lines differ between them.

Consumer law is broadly the same UK-wide, but the time limit to bring a claim, the small claims process, and the free helpline all differ by nation — the app needs this to give you accurate detail rather than a generic answer.

Yes — the country selector is on the home page, and you can change it at any time from the menu.

ConsumerBot is the app's chat assistant. Describe your situation in your own words and it gives a grounded, accuracy-focused answer, saying plainly when something is genuinely unclear rather than guessing.

Yes — it's part of the Be Wise family, alongside Be Crime Wise, Be Contract Wise, Be Injury Wise, Be Health Wise, Be Pet Wise, and more, all at bewiseapps.com.

The walk-through asks how you bought the item and how you paid, then composes the exact rights and payment protection that combination gives you — it's deterministic, not generated by AI, so it can't get the rules wrong or hallucinate a right that doesn't apply.

If goods turn out faulty, not as described, or not fit for purpose within 30 days of delivery or collection, you can reject them outright for a full refund — no need to accept a repair or replacement first, and no deduction for use.

The 30-day clock pauses while the repair or replacement happens, and you get the rest of the 30 days (or 7 days, whichever is longer) afterwards to decide whether it's worked.

You generally lose the automatic right to an instant refund. Instead, the seller gets one attempt at a repair or replacement — their choice, unless it's disproportionate — done within a reasonable time and without significant inconvenience or cost to you.

If the seller's one attempt at repair or replacement fails, is impossible, or takes too long, you move to a refund (or a price reduction if you'd rather keep the item), with no deduction for use in the first 6 months, except for motor vehicles.

You keep the same tiered remedies, up to your nation's statutory time limit, but you need to show the fault relates back to the sale — the burden of proof shifts to you rather than the seller.

No. Under the Consumer Rights Act 2015, goods must remain of satisfactory quality, fit for purpose, and as described for as long as it's reasonable to expect — often well beyond a year for goods like a washing machine, sofa, or laptop. A warranty sits on top of, not instead of, that right.

Yes — the same tiered remedies apply (reject within a reasonable time, then repair or redo, then a final right to a price reduction or refund), though there's no fixed "30 days" equivalent for services; what's reasonable depends on the job.

Yes — the Consumer Rights Act 2015 doesn't distinguish new from used. What changes is what counts as "satisfactory quality": a 10-year-old car with 100,000 miles is judged against what's reasonable for a car of that age, mileage, and price, not against a brand-new one.

Much narrower ones. The item must match its description and the seller must have had the right to sell it — there's generally no "satisfactory quality" or "fitness for purpose" guarantee, so inspecting the item thoroughly (or getting an independent check on a used car) matters far more than with a shop.

You may have a claim for misrepresentation, since the item must at least match its description even in a private sale. It's worth a call to your national consumer helpline to check whether your case is strong enough to pursue.

Yes — your underlying statutory rights against the seller stay the same, but your payment method decides whether you have a backup route (like Section 75 or chargeback) if the seller won't cooperate or has gone out of business.

Section 75 of the Consumer Credit Act 1974 makes your credit card provider jointly liable with the seller for breach of contract or misrepresentation, for anything costing over £100 and up to £30,000 — even if you only put part of the cost, like a deposit, on the card.

It only applies to items costing between £100 and £30,000, and the card issuer and seller must be different companies. Above £30,000 up to £60,260, a narrower related right (Section 75A) may apply instead.

Usually yes — a store's "Pay Weekly" or "Pay Monthly" credit account is normally a regulated credit agreement tied to that retailer, so Section 75-style joint liability commonly applies in the same £100–£30,000 range as a credit card.

Since Buy Now Pay Later providers like Klarna, Clearpay, and PayPal Pay in 3 became regulated by the Financial Conduct Authority from 15 July 2026, qualifying agreements now carry Section 75-style protection in the £100–£30,000 range, plus access to the Financial Ombudsman Service.

Older agreements may not be covered by the new regulation, so check directly with the provider about what protection applied at the time you bought.

Chargeback is a voluntary scheme run by Visa, Mastercard, and similar networks that lets your bank try to reverse a debit card payment if goods didn't arrive, were faulty, or the seller has gone out of business.

Chargeback isn't a legal right — your bank isn't obliged to refund you, just to try, and it's usually time-limited (commonly up to 120 days from the transaction). Section 75 is a stronger, legal right that only applies to qualifying credit purchases.

There's no card issuer or lender to fall back on, so if the seller won't help, your only routes are your statutory rights directly against them, Alternative Dispute Resolution if they're a member of a scheme, or small claims court. Always keep your receipt.

It means goods must meet the standard a reasonable person would expect, given the price, description, and any details the seller gave — taking into account durability, appearance, and freedom from minor defects.

6 years from the date you bought the goods, under the Limitation Act 1980.

5 years from when you became aware, or reasonably should have become aware, of the fault, under the Prescription and Limitation (Scotland) Act 1973 — a year shorter than England, Wales, and Northern Ireland.

6 years from the date you bought the goods, under the Limitation (Northern Ireland) Order 1989.

Scots law runs the clock from when you became aware (or should reasonably have become aware) of the fault, rather than from the purchase date itself — a different starting point as well as a shorter overall limit.

Money Claims Online or the County Court small claims track, for claims up to £10,000 — designed to be usable without a solicitor for lower-value disputes.

Simple Procedure in the Sheriff Court, for claims up to £5,000.

The Small Claims Court, for claims up to £3,000.

Go back to the seller in writing first, then escalate within the business if refused, then consider a Section 75 or chargeback claim if eligible, then get free advice from your national consumer helpline, then try Alternative Dispute Resolution if the seller belongs to a scheme, and use small claims court as a last resort.

No. Time limits, small claims routes, and helpline contacts differ between England & Wales, Scotland, and Northern Ireland, so the walk-through, Faulty & Returns guidance, Contacts page, and ConsumerBot's answers all change depending on which nation you've selected. Always check the right nation is set on the home page before relying on an answer.

Describe your situation in your own words — a faulty purchase, a returns dispute, or a payment-protection question — and it answers using UK consumer rights only, tailored to whichever nation you've selected on the home page.

No — it's legal information, set to prioritise accuracy over confidence. It will say plainly when something is genuinely unclear or depends on facts it can't know, rather than guess.

Yes — your selected nation is sent along with your question so time limits, small claims routes, and the correct helpline reflect England & Wales, Scotland, or Northern Ireland as appropriate. If you haven't selected a nation, ConsumerBot will ask you to set one first.

Only what you tell it in the chat itself — it doesn't have access to your purchase records, emails, or any outside information about your situation.

Yes, in the sense that generating a response uses an AI provider (Groq) via a Cloudflare Worker — your message is sent for that response, the same way any chat-based app works.

Groq's own policy states that prompts sent through its API are not retained. Be Consumer Wise doesn't control Groq's infrastructure and can't make guarantees on their behalf, but nothing you enter is written to any database the app operates.

It's saved in your browser's local storage on your own device, so the app remembers it next time you visit, and it's sent along with your ConsumerBot question so answers reflect the right nation's rules.

No — there are no accounts, so there's nothing to sign up for or log into.

No. Your live, in-progress chat lives only in the current browser session — closing or reloading the page clears it unless you've used "Save this chat" first. Saved chats are kept only in this browser's local storage, never on a server.

It stores the current ConsumerBot conversation in this browser's local storage, so you can find it again later on the Saved Chats page — even after closing the app or restarting your device. It doesn't send anything to a server; it's saved only on this device.

Open Saved Chats from the menu. Each entry shows the date, your selected nation at the time, and how many messages it contains — tap View to read it, or Continue to pick the conversation back up in ConsumerBot.

Yes — use Continue on a saved chat to load its full conversation back into Ask ConsumerBot, so you can keep asking follow-up questions from where you left off.

Yes — use Delete on an individual saved chat, or Clear all saved chats to remove everything at once, from the Saved Chats page.

No — New chat only clears the current, unsaved conversation so you can start fresh. It doesn't touch anything you've already saved.

Yes, but since nothing is stored on a server, your selected nation, current chat, and saved chats on one device won't carry over to another — each browser keeps its own copy.

Email hello@bewiseapps.com with any questions, feedback, or corrections.

Email hello@bewiseapps.com to discuss placement and rates. Be Consumer Wise carries paid listings for solicitors, consumer-rights advisers, and ADR/ombudsman-adjacent services.

Above the Faulty & Returns, Buying & Payment Rights, Contacts, and ConsumerBot chat pages — the highest-intent pages in the app.

Email hello@bewiseapps.com and the team will work with you directly on placement and timing.

Email hello@bewiseapps.com — questions, feedback, and corrections are all welcome.

Yes — email hello@bewiseapps.com with your suggestion.

No — paid listings are clearly marked as advertisements and shown separately from ConsumerBot's answers, which draw only on UK consumer rights information.