Home life Category
This section of our site contains a variety of informative articles and top tips regarding family, personal relationships and domestic interests as a whole.
The majority of us will have had personal experience with specific charities. For many, it is important to support these charities after our death so that their services can continue to provide a benefit and make a difference. Leaving a bequest to a charity in your Will is a great way of doing this.
When leaving a bequest some may have a specific purpose in mind for the bequest they are making, however it is important to bear in mind that there are a vast number of charities, some with very specific aims and some with a wide and general purpose. Is it possible therefore, to bequeath money to a charity and specify how they put that money to use? The short answer is that in general, it is not possible to specifically direct how you would like your money to be used. This is because once a bequest has been made the funds belong to the charity and they are free to decide how best to use it. Having said this, it is possible to express a wish in your Will that the money be used for a specific purpose. This will give the charity a clear idea of how you intended the money to be used even if it is not binding. One of the most common examples that we see, is a bequest to a medical charity, with a wish expressed that the money to be used for research purposes.
Advocate Zoe Blomfield, Managing Partner
t: +44 (0) 1534 888666
HAND LUGGAGE put in the hold on a busy flight might seem like a mild inconvenience – but if your bag gets lost, stolen or damaged, it might not be covered by your travel insurance.
More of us are opting to travel with just hand luggage opting out of paying to check in a bag. However, this often means there are too many cabin bags to fit in the overhead lockers and airline staff need to stow a certain number in the hold.
Consumer watchdog Which? found that the leading five UK travel insurance companies including Aviva, LV and Axa don’t cover valuables placed in the hold for loss, theft or damage.
Which? is warning travellers to take any valuables out of their hand luggage before they hand it over to cabin crew.
Another issue with having to check your bag unexpectedly is waiting to pick it up from the baggage carousel. If this process is delayed and a passenger misses a connecting flight as a result, airlines are not required to pay compensation.
These days, it is highly likely that passengers may have their cabin bags taken and put in the hold, because planes simply don’t have the capacity to takes all bags in the cabin.
If you have to put a bag in the hold at the last minute, try to remove wallets, keys, laptops and other valuables. If any items go missing from the hand luggage bag that you had intended to keep with you, do make clear to the airline that you expect compensation.
Make sure that you know if your own travel insurance covers this eventuality before you travel.
Both Jersey Consumer Council and Citizens Advice Jersey have received numerous telephone calls and emails from concerned landline only JT customers in relation to the costs being introduced for paper bills and payment choices, other than direct debits.
Your heartfelt comments, frustrations and anger have all been shared with managers from JT. It has to be recognised that we cannot stop the tide of change but we can help consumers to move with the tide as much as possible.
Over the last few days we have been talking to JT on a daily basis to sort out some steps to help the vulnerable and land line only customers who are overwhelmed and frightened by the proposed changes.
The JT team are sympathetic and have listened to all of your questions, comments and criticisms. The following options are being offered to help;
- JT Prime talk customers with no other products on a monthly Bill can switch to a quarterly bill to reduce bill charges
- JT customers with multiple bills can arrange to have all their products on one bill to avoid duplicate charges
- JT will contact selected Prime Talk customers with more information on Direct Debit payment options
- You don’t have to print your bills – if you have an iPad for example but no printer you can still opt to pay using traditional methods i.e. cheque or cash (albeit at a charge) you will need to write down the Account number
JT have assured us that they ‘always abide by the direct debit guarantee and distribute bills at least 5 working days prior to a direct debit taken out.’
We are still talking to JT, as consumers continue to contact us with ideas and initiatives to help our community.
Dominic Vye, JT’s Head of Commercial Development, said: “The new billing structure aligns JT with the vast majority of our customers, who receive their bills online and pay by Direct Debit. As their numbers have grown so has the cost of paper billing and administering non-Direct Debit payments.
“But we were always conscious that some customers would be affected, which is why we are working closely with groups such as the JCC to make this transition as smooth as possible”.
If you still have concerns please telephone the Jersey Consumer Council on 611161 or leave a message.
Having found our Mince Pie tasting in 2015 so revealing we decided to put Christmas Puddings to the taste and price test this year. Taste testers helped us from Citizens Advice Jersey, Trading Standards, the Channel Island Competition and Regulatory Authorities and 4insight, a local Market Reserach Company. Our 5 testers (we had two testers from Trading Standards as one was an entrant to the Great British Bake off 2015) each tester could award a maximum of 25 points per pudding; the clear winner was the most expensive of our pudding purchases.
The testers noted that the complexity of microwave cooking such as microwave for 2 minutes, rest for a minute, cook for 40 seconds and then rest again seemed to have benefits when it comes to the final texture. Detailed below are the scores from the ‘blind’ tasting. Now it is your turn to see if you agree with our testers!
Puddings Tested…full results will be published week commencing 28th November in our all island newsletter.
|Brand of Christmas Pudding|
|Irresistible Rich & Fruity|
|Marks & Spencer|
|Classic Recipe Pudding|
|The Collection Intensely Fruity|
|Tesco Finest Pudding|
|Tesco Christmas Pudding|
|Essential Cider & Sherry|
|6 Month Matured|
Settle down with a warm drink and peruse our Christmas survival tips…ranging from call out charges to buying on line and the risks of fake products.
- Buying Online
In most cases if you shop online with a Jersey, UK or EU trader you have a right to cancel and receive a full refund, even if you just don’t like the goods or have simply changed your mind.
This is in addition to your normal statutory rights. There are some exceptions and time limits apply. Check it out before you buy. Extra tips here… http://www.jerseyconsumercouncil.org.je/consumer-skills/shopping-online/
- Product Safety
Be safe this Christmas. Follow the instructions and appropriate warnings. Make sure toys are CE marked and follow the intended age warnings.
- Know who you are buying from
If you are shopping online make sure you know who and where the trader is based. For example don’t assume you are buying from Amazon when you may be buying from an Amazon seller outside the EU.
Your goods may not comply with European safety standards, they may take a long time to arrive and the cost of returning them may be uneconomical.
Don’t be tempted to buy really cheap branded goods online. Electrical goods may be a fire or electrical shock hazard and perfumes and cosmetics may contain harmful substances.
- Additional Protection
You get additional protection when you buy goods or services over £100 if you paid using your credit card. If something goes wrong and the trader won’t help, the credit card company may have to step in.
- Christmas Loans
If you have to borrow money, make sure they are a reputable lender. Do you understand exactly what you are signing up to and what will happen if your financial situation gets worse? Is the lender a subscriber to the Jersey Code of Consumer Lending? See www.gov.je/tradingstandards/consumerlending
- Call out Charges
If you have to call out a tradesman for an emergency repair during this festive season make sure you know what the ‘call out’ or ‘minimum charge’ will be before you agree. Make sure you both understand what work will be carried out, what it will cost (or how it will be calculated) and when and how the trader expects payment.
- Faulty Goods
You have statutory rights if goods are faulty or not fit for purpose. Try to keep gift receipts as it will help if things go wrong and don’t delay in complaining.
- Unwanted Gifts
Your statutory rights do not apply if you simply changed your mind. Check out the store’s returns policy before you buy. Remember if you bought online, you may have additional rights.
- Recall and Safety Notices
Trading Standards publish product recalls and safety warnings. To sign up for notifications, visit www.mygov.je
You can select the category of goods you are interested in, for example food, toys, electrical goods and nursery products.
Finally, do you know where to get help? Trading Standards offer a free and confidential Consumer Advice Service. The drop in service is located under the clock in the Central Market. You don’t need an appointment. Alternatively you can call on 448160 or email firstname.lastname@example.org
In August this year a blaze ripped through an 18 storey high rise in London. It took 120 firefighters to put it out. The cause was believed to be an Indesit tumble dryer which was subject to a safety notice issued by Whirlpool.
Alison de Bourcier, Director of Trading Standards in Jersey is in contact with Whirlpool UK and receiving local updates. She estimates as many as 5,000 units were supplied in Jersey between April 2004 and September 2015, however many of these will have come to the end of their natural life.
Whirlpool appointed two local service agents who are carrying out modifications. At the end of July, 1,249 Jersey consumers had registered with Whirlpool customer services for the free of charge modification. The safety notice only affects a number of models of Hotpoint, Indesit, Creda, Swan and Proline tumble dryers. Retailers in Jersey were quick to respond to the Whirlpool safety notice in checking that any new stock being supplied had been modified. Whilst the agents are working through the list of registered customers, Alison de Bourcier would once again advise consumers to check if there model requires modification by visiting https://safety.hotpoint.eu or alternatively call a dedicated helpline (0800 151 0905). She is also encouraging Islanders to register for notification of other product recalls and safety notices published on MyGov (www.mygov.je).
“It is increasingly difficult for consumers and businesses to keep up to speed with product recalls and safety notices. Safety is our primary concern.
It is really important that you are informed of any potential safety issues and know what to do if you think you have an affected product.”
Whilst there are mounting pressures in the UK for Whirlpool to do more, Trading Standards are reminding consumers who may be awaiting a modification to;
- make sure you follow the manufacturer’s instructions on using and maintaining your electrical appliances, including checking and cleaning the filter after every cycle and ensure proper dryer venting
- don’t put appliances such as washing machines, tumble dryers and dishwasher on when you are going to bed or going out
- turn off electrical appliances when they are not in use
- fit smoke and or heat detectors to your home. You should have at least one smoke detector on each level of your home and they should be tested weekly
- never tackle a fire yourself; get out, stay out and call 999 If you need help in identifying if your tumble dryer has been affected please contact Trading Standards on 448160 or email email@example.com
In the build up to Halloween, the Fire and Rescue Service and Trading Standards are reminding parents to
• check Halloween costumes for the CE mark,
• always follow instructions and safety information,
• avoid naked flames by replacing candles with LED equivalents, and
• make parents and children aware of what to do if any costume or clothing catches fire – ‘stop, drop and roll’
The safety of children’s costumes, in particular Halloween costumes, came to the attention of the public and gained prominence in 2014 when television presenter Claudia Winkleman’s 8 year old daughter was severely burned after her witch costume caught fire, having been in contact allegedly with or close proximity to a lit candle inside of a pumpkin.
In September 2015 a nationwide investigation into the safety of children’s fancy dress costumes was commissioned.
These costumes currently have to comply with toys safety standards. The standards do not require costumes to be non-flammable, but the rate at which they burn has to be within an acceptable range, and where applicable relevant warnings are present, to minimise the risk.
Results of the 2015 investigation
A program of sampling was co-ordinated and of the 309 samples submitted for testing, 80% passed.
Of those that failed, 14 costumes were too close to the prescribed limit so they were recorded and neither pass nor fail.
47 costumes failed.
10 of these were technical failures due to the absence of warnings.
37 were due to the rate of spread and therefore unacceptable failures.
Trading Standards up and down the UK have been working with suppliers to improve the compliance rate.
An interesting fact to come out of the investigation was that the cost of the outfit had no real bearing on compliance. Therefore cheaper costumes did not result in more failures.
There was also little difference in the failure rate when sampling costumes purchased through UK local or national retailers.
A number of national retailers now voluntarily ensure their costumes meet higher standards contained within the Children’s Nightwear standard.
Advice to parents
In the run up to Halloween, the advice is to avoid naked flames, replace candles with LED equivalents and to make parents and children aware of just what they should do in the event of a costume, or any article of clothing for that matter, catching alight through the Fire and Rescue Service’s advice of ‘stop, drop and roll’.
Seeing your Doctor?
Here are a few tips…to make the most of your time with your Doctor
Be Prepared…lists will always help and read them out at the start of your appointment. This helps the doctor to see the whole picture and to avoid leaving the embarrassing ailment until you are about to leave.
Try to pre-empt your doctor’s routine questions, prepare answers for: ‘how long has it been going on? Have you had it before and has anyone in the family had the same thing? And be specific and upfront about your history.
A symptom diary can help; these are helpful for tracking times when symptoms hit.
Your doctor may ask you to return to discuss one of your problems – it maybe that he or she feels that it deserves more time and a more detailed evaluation. A repeat visit will almost certainly incur a further charge.
- all people involved with the project are competent
- the risks to health and safety are properly managed
- sufficient time and resources are available for the work to be carried out safely
- information about known risks, such as the presence of asbestos materials, is provided to those involved with the project
- if more than one contractor is involved, one of them is appointed, in writing, as the Principal Contractor, and ensure that a construction phase plan is prepared before work starts.
In addition, if the construction work is going to last more than 30 working days, or involve more than 500 man days (eg 10 operatives working for 50 days) then additional steps must be taken to ensure that:
a health and safety project coordinator (HSPC) is appointed in writing certain health and safety related information is provided to the HSPC
- retain and provide access to a health and safety file which is prepared for the project
You are in a rush to get your new gadget or kitchen appliance out of the packaging.
You may have seen a warranty or guarantee card fall out of the box. What exactly is it for and should you fill it in? Trading Standards has provided answers to these questions.
What is the card for?
The card enables you to register for a free warranty (or guarantee) which adds to your legal rights. It may be a condition to fill in and return the card before the warranty becomes valid.
Do I need this additional free warranty?
It may be easier to claim on the free warranty for a repair or replacement if something has gone wrong. Under the law, after 6 months you have to prove you didn’t cause the problem, which can be tricky. It is also a good backup if the retailer has closed or gone out of business or you bought the goods out of the Island.
Have I still got a manufacturer’s warranty if I didn’t fill out and return the card?
It depends. Get in touch with the manufacturer. They may still accept your registration and you may be able to do this online.
Who can claim?
It is usually just the person who purchased the item who can make a claim. Check the small print. Some warranties extend to other people, referred to as ‘third party rights’.
Are there other limitations?
Check the terms and conditions. There will be strict time limits when the warranty expires. Find out who is responsible for the postage and packaging if goods need to be sent away for repair.
Are there other benefits of registration?
The manufacturer will have your contact details if your goods are then subject to a safety notice or recall.
What about extended warranties?
Take care when filling out warranty or guarantee registration cards to ensure you are only registering for a free warranty or guarantee. Don’t confuse it with extended warranties or guarantees which are similar to insurance policies. These cost money. You should think carefully about the benefit of buying an extended warranty against the value of the goods, the risk of them breaking down and always shop around as you may be able to purchase a multiple product policy for less money.
Do I have any protection without a manufacturer’s warranty?
Yes. Under Jersey law you are protected if goods are faulty if they are not of satisfactory quality or fit to do the job intended. You may also have additional protection if the goods were over £100 and you paid in full or part payment on a credit card.
For more advice, contact Trading Standards on 448160 or firstname.lastname@example.org