Are you passionate about consumer affairs in Jersey? If so, the Jersey Consumer Council wants to hear from you.
Perhaps you’ve got experience working in a customer-focused profession, or you are a busy parent juggling the household budget, or maybe you are a pensioner who appreciates how even the smallest of price changes can make a big difference?
The Consumer Council is about to start searching for new members and we want to hear from islanders of all ages who think they have something to offer.
Our role is to be the consumers’ champion; we investigate and publicise anomalies in consumer affairs and provide Islanders with accurate and timely information to help make #InformedDecisions. We also want to make sure that consumers’ voices are heard by the decision makers in our island as well as promoting a culture of transparency so that Islanders understand consumer issues better.
If you can help us strengthen our activities and voice by sharing consumer perceptions, contributing to projects, and have a ‘passion’ for consumer issues, please drop us a line by email or post, as soon as possible. We are looking to go through a simple recruitment process over the next few weeks.
We welcome applications from all members of Jersey’s community.
Jersey Consumer Council,
9-13 Central Market,
St Helier, JE2 4WL
Tel: 01534 611161
2018 marks 10 years since mobile number portability was introduced in the Channel Islands. It means that both Pay As You Go and Pay Monthly customers choosing to move between operators (Sure, JT and Airtel) can keep the exact same telephone number, including the prefix (e.g. 07797). It’s incredibly easy to do, there’s no loss of service and it’s totally free of charge. Plus, unlike in the UK, you don’t need to contact the operator you are leaving or give any notice period (provided you are outside of the term of your initial contract which is usually 12 or 24 months).
Thousands of customers in the Channel Islands move between operators each year, and the majority keep their number when they do. Both CICRA and the JCC have recommended customers shop around and local providers fully support this, whether you are looking to move for superior customer service, a better network experience or simply because you can save money with a new deal.
To take advantage of the competitive telecoms environment we have locally, simply visit your new operator and they will do it all for you.
Visit http://jerseytelcowatch.com to compare prices.
Check with your existing provider if you are in or out of contract. There may be early termination fees to pay if you are still in a contract. If the account is in debt, barred or suspended, the port is not possible.
Can I change landline operator and keep my number?
The answer in simple terms is yes & no.
Two providers in Jersey offer traditional landline services using Wholesale Line Rental (WLR) and thus, if you are switching between Sure & JT, for example, you can keep your landline number. This is because the underlying wholesale product with the number ‘attached’ is still being provided by JT in Jersey, however the retail service being offered by the alternative operator may be different. Again, you will need to check the status of your existing contract.
For other local operators, not offering services based on the same underlying wholesale product this portability is not yet possible. However, it is still under consideration by Channel Islands Competition Regulator.
Be prepared to research pricing and product specifications.
Talk & ask questions; if you believe that an item/service is positioned above market value, ask why. There will be an explanation to balance your opinion. At certain times of the year, there maybe sales/promotional offers/ added-value offerings; ask when this might be.
If time allows, visit several retail shops to experience the customer service quality and pricing strategy. If you’ve purchased the item or service before, check how it differs now.
Ask about the returns and exchange policy to make sure you make an #InformedDecision
Simply put, it’s a type of digital currency, called a cryptocurrency. No notes to print or coins to mint. It’s decentralized — there’s no government, institution (like a bank) or other authority that controls it, but instead is controlled by the software itself.
By using blockchain technology, cryptocurrencies are not subject to any central controls. A blockchain is a global network of computers which can be used to maintain a digital ledger of every owner of a cryptocurrency and the transactions they make. When, for example, a Bitcoin transaction is made (buying, selling, transferring or creating Bitcoin), the record of that transaction is securely encrypted, time-stamped and updated into a block which is added onto the historical record of all Bitcoin transactions. Each block in the chain is unique and it is virtually impossible to remove or change data which has been added to the chain. This means that transactions are verifiable without the need for a central authority, such a bank, to oversee that process. In theory, Blockchain technology allows us to securely transact with one another via a peer-to-peer network without a middleman, such as a bank, charging us for the privilege of doing so.
It isn’t issued from the top down like traditional currency; rather, bitcoin is ‘mined’ by powerful computers connected to the internet, by slowly releasing a predetermined set amount, randomly as a reward to those helping secure the network.
Bitcoin was invented in 2009 by a person (or group) who called himself Satoshi Nakamoto. The stated goal was to create “a new electronic cash system” that was “completely decentralized with no server or central authority.”
Looking back, we began using money as the tool used to exchange value; historically this was gold as it is rare, tangible and worked very well. Although gold is heavy, so then came paper money which originally was ‘gold certificate’ being a piece of paper saying you own some gold sitting in a vault. Trusting in paper was not easy at first.
Nowadays we use what is termed flat money which means that it can’t be exchanged for just a single item. People accept this money in return for goods or services because they know that they themselves will be able to use it at a later date. Money now has no link at all with precious metals. Now we have cryptocurrencies of which Bitcoin was the first, and currently the largest.
What determines the value of a bitcoin?
Ultimately, the value of a bitcoin is determined by what people will pay for it. value of a bitcoin is based on its properties (digitally rare, trustless, secure and predictable issuance), and how much people will pay for it.
In this way, there’s a similarity to how stocks are priced. The protocol established by Satoshi Nakamoto dictates that only 21 million bitcoins can ever be mined — about 12 million have been mined so far; but as it’s digital, each coin can be divided down to 8 decimal places. Even so there is a limited supply like with gold and other precious metals, but no real intrinsic value. This makes bitcoin different from stocks, which usually have some relationship to a company’s actual or potential earnings.
Without a government or central authority at the helm, controlling supply, ‘value’ is totally open to interpretation. This process of ‘price discovery,’ the primary driver of volatility in bitcoin’s price, also invites speculation and manipulation.
Because bitcoin is so new and decentralized, there is plenty of unknowns. Even the technical rules for mining are still evolving and up for debate.
We all enjoy a spot of praise now and again, and remember to praise where praise is due. Express your thanks when something goes well. BUT if you find yourself in a position of being dissatisfied with a product or service, follow our simple guide to making an effective complaint.
- In the first instance, give the business an opportunity to put things right. We all make mistakes, and a good business can be judged on successful complaints handling.
- Find out if the business has a complaints procedure and promptly follow it. If they don’t, ask. If the business is a member of a trade association or signed up to a code of conduct, that body may have a separate complaint handling procedure.
- It may be helpful to make it clear that you are making a formal complaint and then go on to:
* Identify yourself, quoting your customer number or any other references.
* Tell them briefly why you are unhappy/dissatisfied and what the problem is in chronological order.
*Include supporting evidence: photographs, surveys, independent test reports, invoices, screen shots. Copies will do. Keep the originals.
*Set out what the impact of the problem on you has been e.g. any financial loss, inconvenience or distress.
*Say how the issue made you feel and what you want done to either put matters right or compensate you for their failings.
*If you are suggesting a monetary figure, you may want to explain how you came by that figure.
*If you are filling in an online complaints form and you have to categorise your submission, make sure you select complaint rather than comment. Complaints should be taken seriously and require action; comments can be ignored!
*Keep good records. Don’t assume you will be sent a copy of your online submission via e-mail when you press send or submit. Be prepared to take a screen shot and note down any reference numbers.
Monitor the businesses actions against those in their complaints handling procedures, remembering to keep copies of all documentation, emails, key actions, notes of conversations, and dates.
If the business fails to resolve the complaint to your satisfaction, there may be other sources of help or avenues for progressing the complaint. For example, the Channel Islands Financial Ombudsman is an independent body that resolves complaints about financial services provided from Jersey, Guernsey, Alderney and Sark. It has powers to investigate complaints and can compel financial services providers to pay compensation if it upholds a complaint.
progress your complaint and advise on your rights and all complaints relating to consumer goods and services.
The Channel Islands Financial Ombudsman is a free alternative to taking a dispute with a financial products and services to court. They are independent, informal and confidential.
The Channel Islands Financial Ombudsman,
PO Box 114,
Tel: 01534 748610
For all other complaints relating to consumer goods or services contact Trading Standards.
9-13 Central Market,
Tel: 01534 448160
Jersey’s judicial system is composed of various persons with diverse roles who are there to administer justice, help or represent individuals, or to assist in the general functioning of the system. Here we consider the main players in the civil justice system, where generally, consumers interact with the judiciary system in Jersey.
The civic head of the Bailiwick of Jersey is the Bailiff, currently Sir William Bailhache, who serves as both head of the Island’s judiciary (the Island’s court and justice system) and also as President of the States Assembly (the legislative assembly; although he typically has a non-voting role in the Assembly more akin to the role of a Parliament Speaker, this is the area of the role currently under review).
There is a Deputy Bailiff who assists the Bailiff in his various functions, and Commissioners who are additional judges who sit in our Royal Court (and are sometimes themselves former Bailiffs).
Judges (Bailiff, Deputy Bailiff or Commissioners) will often sit alongside Jurats. Jurats are lay members of the Court elected by the Members of the States Assembly and the Island’s lawyers, and who act as judges of fact. Their role is to evaluate the truth of a matter from the evidence put before them, and to determine the sentence in criminal matters.
Attorney General & Solicitor General
Jersey has both an Attorney General and a Solicitor General. They act essentially as lawyers for the State, representing the Island in international affairs, bringing public prosecutions of alleged criminals, and advising the Island’s government on anything including property matters, employment matters and anything else which such advice may be required for.
The Court system is administered by the Judicial Greffier as head of the Judicial Greffe. This is the arm of the Court system which deals with the filing of papers for court cases, the issuing of Acts of Court, the maintenance of the Island’s Public Registry, and dealing with matters of probate and wills. The Judicial Greffier also undertakes a judicial role in the form of the Master of the Royal Court, who will issue procedural orders and hear various preliminary matters in cases before they reach the full sitting of the Royal Court.
Finally, the Viscount’s Department is the executive arm of the Royal Court, it will serve Court documents on individuals or companies in the Island, effect wage arrests on those made the subject of such orders, and otherwise carry out Court enforcement duties. The Viscount also fulfils the role of the Island’s coroner, and administers bankruptcies.
Franchising, broadly speaking, is a means of running a commercial operation using some or all aspects of another business, including its name, brand and products.
How franchises work
Companies use franchising to widen the reach of their brands, usually into geographical areas that they don’t wish to trade themselves. As the franchisee pays all of the capital costs of setting up the shop and is responsible for the lease and employing the staff, it’s also a very effective and low-cost way for brands to widen their consumer offer at minimal cost to themselves.
The company who grants the licence is called a franchisor. The person who gets the licence to run a business is called the franchisee. The agreement means that the franchisee gets all the elements of the successful franchised business necessary to succeed. This includes everything from branding, products, supplies, designs and even marketing and advertising support.
The support runs for the length of the franchise agreement, which is included in the initial agreement.
The franchisee agrees to pay the franchisor for this privilege. This is usually in one of either two forms. As well as assuming all the set up the costs, the franchisee also pays, either a weekly commission to the franchisor on its sales or alternatively the cost of goods supplied are marked up to provide a higher profit margin for the franchisor (a cost-plus model). The agreements also contain very strict guidelines relating to the operation of the brand which must be adhered to. Failure to achieve brand standards (usually monitored by regular mystery shopper visits), can mean that the franchise is withdrawn.
Pros and cons – a general outline
The most attractive aspect of franchising is that the risk is limited. The business is not a new one but a tried and tested venture that has succeeded elsewhere. This means you do not have to spend a lot of time telling people what the business does because they already know.
The downside is that the franchisor will want to protect his brand and therefore places very strict guidelines on how the brand must to be operated to ensure it conforms to their brand standards. Obviously, franchisors carry out a very detailed vetting process on any potential new franchise partner. It is also a relatively expensive way of starting in business because you are buying into a proven concept.
If you fancy being your own boss and taking a lot of decisions about how to manage things, you might find you have less freedom than you anticipate because the legal agreement spells out what you can and can’t do.
For the relative safety and protection of a trusted brand, there are certain sacrifices that you have to make.
Franchising is now a flourishing industry boasts nearly 1,000 brands in a multitude of different sectors. Nowadays it is an eclectic mix of businesses encompassing everything from hairdressing to photography, pet care to children’s sports coaching.
In Jersey, we have several franchises in operation offering us well known UK high street brands; the model of franchising gives Jersey business & consumers the opportunity to access brands and products which may not otherwise be available in Jersey.
We all look forward to our holidays, and often they can cost a considerable amount of money; the Consumer Council has compiled a holiday booking check list, to keep you and your holiday booking safe;
Financial Protection for your Holiday
Before booking you should check whether your flight or holiday package is ATOL protected and don’t leave home without your ATOL Certificate
- ATOL (the Air Travel Organisers Licence) is a financial protection scheme for air passengers. If you book an ATOL protected holiday or charter flight and your tour operator, airline or accommodation provider goes out of business before you travel you can claim a full refund.
- If a service provider goes out of business while you are abroad, you will be able to continue your holiday and arrangements will be made for you to fly home once the holiday is over.
- Jersey residents must be aware that ATOL only protects packages or flights, which originate in the UK ñ always check with your tour company/travel agent regarding ATOL protection and eligibility.
Association of British Travel Agents (ABTA) Protection
- Many Jersey residents will enjoy the FlyDirect options (and ferry packages) now available from Jersey; it should be noted that these are not eligible for ATOL protection (as described above).
- However, such packages and flights would be financially protected as long as the company with whom you make your travel contract in Jersey is bonded with ABTA (and they are current members).
- ABTA includes protection both in the event of failure of the tour operator prior to departure, in which case deposit/balances paid would be refunded, and for repatriation in the event of tour operator failure whilst clients are abroad.
Financial protection if you are not covered by ATOL
o If your flight is not ATOL protected, you should ensure your travel insurance policy provides cover in the event that the airline goes out of business. Take out travel insurance adequate for your destination, activities and everyone in your party.
o If you buy a ticket using a credit card and the airline goes out of business, you may be able to claim a refund from your credit card company under the Consumer Credit Act. The cost of a single (i.e. one leg) ticket must be at least £100.
Other Holiday booking pointers;
- Double check all details such as travel dates, itineraries, destinations and travellers before confirming payment, as you may be charged for amendments
- Do not reply to unsolicited emails from companies you don’t recognise.
- If renting a private apartment or villa, call the owner/agent directly to ensure that it is legitimate. If the number is not provided, email and request it. Check reviews on TripAdvisor or similar site. Get the full address of the property and find it on Google maps to check its location and legitimacy.
- Ensure that any holiday or travel company unfamiliar to you is reputable by researching them online. Ensure that they are a member of a recognised travel authority which offers financial protection and a complaints service.
- When making a payment to an individual, never transfer the money directly into their bank account but use a secure payment site such as PayPal, where money is transferred between two electronic accounts.
Put your travel insurance in place sufficiently ahead of your trip to make sure that you benefit from all of the cover. Channel Islanders are advised to make sure that the element covering missed flights and missed connections includes the flights to and from home.
The medical cover needs to be adequate to help pay medical bills; £2 million medical cover is advised by Which for just Europe and £5 million for worldwide. but do check what counts as Europe or Worldwide by your insurance company.
We usually travel with many of our gadgets and you should consider cover for these too whilst traveling, you may need to extend your home insurance to cover as single items on your travel policy may only be covered for £250.
A good travel insurance policy should provide cover for Illness, injury or death while you are away, to allow you to be repatriated. Illness or the unexpected can interrupt travel plans therefore it is advisable to check the cancellation provisions – how much are you covered for in the event of the holiday being cancelled by unexpected events e.g. illness. You must declare pre-existing medical conditions – as otherwise your cover will be voided.
Check that the policy covers
- Liability for accidents involving others;
- The airline going out of business;
- Natural disasters, natural events e.g. volcanic ash cloud and severe weather;
- Political instability;
- Security risks.
If you plan to enjoy risky activities whilst away you should say so to make sure that you are covered for risky activities, for example skiing, scuba diving or climbing.
And finally you may be better to buy an annual policy rather than single trip cover plus READ THE SMALL PRINT…always check what isn’t covered.
Seeking a New Chairperson
The Jersey Consumer Council seeks an exceptional and experienced
candidate for the position of Chairperson. As a high-profile consumer
champion, the Chairperson will have:
- Expertise in relevant and current consumer issues
- Political awareness on consumer issues
- Excellent communication and social skills to engage with stakeholders,
government and the media, as well as the community
- Time to commit around 12 hours a month
- A strong consumer voice to empower individuals
The day-to-day Council activities are managed by the Executive Officer with
the Chairperson undertaking a strategic and active role.
For more information, on a confidential basis, please contact the Executive
Officer (see below). To apply please email or send your curriculum vitae and
supporting letter marked Private and Confidential, by 5th January 2018 to.
Jersey Consumer Council
9-13 Central Market
St. Helier JE2 4WL