A little more detail on the above. If you pay by cash or bank transfer then it is purely a matter between you and the recipient of the money. If you purchase your item on a finance agreement – or pay even part of it by a credit card – or you purchase on hire purchase, then your agreement is regulated by the Consumer Credit Act 1974. Section 75 of the act basically makes the lender equally responsible with the seller. In other words they share exactly the same consumer rights obligation
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