Consumer advice

Lay-by agreements

A lay-by agreement lets you buy a product and pay for it in two or more instalments before taking it home. It’s important for you to understand what the written agreement covers and how you or the business can cancel it.

Online group buying

Online ‘daily deals’ and group buying websites are channels for consumers to buy goods or services at discount prices. Before you take up an offer from these websites, check the offer thoroughly to make sure you get what you pay for.

Retirement homes

There are several types of retirement homes available under different purchase and fee paying arrangements. Before making a choice, consider the type of accommodation and facilities you’ll need now and later, the costs and contract requirements.