consumer studies Flashcards

1
Q

sale of goods and supply of services act 1980

A

goods/services should be:

  • of merchantable quality
  • be fit for purpose
  • correspond to a sample on display
  • as described by sales person/labels
  • supplied by qualified/skilled person
  • provided with due care, following safety procedures
  • materials used must be of merchantable quality
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2
Q

redress for consumers under SGSS Act

A

refund
repair
replacement

partial refund
repeat of a service

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3
Q

guarantee

A

covered by SGSS Act
contract between consumer and manufacturer
has a time limit
does not affect consumer rights

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4
Q

illegal signs

A

‘no cash refunds’
‘credits notes only given’
‘no exchange of goods’

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5
Q

consumer protection act 2007

A
protects consumers from misleading or false claims about goods, services and prices
prohibits misleading claims made:
-verbally
-about a service
-about the price, previous price
-about extra costs
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6
Q

competition and consumer protection commission

A

independent statutory body that:

  • enforces consumer protection law/legislation
  • informs consumers about their rights
  • enforces product safety regulations
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7
Q

office of the ombudsman

A

appointed by the gov

  • investigates unresolved complaints against public bodies, gov. departments, HSE, An Post
  • valid complaints are reported to the department in question and recommendations are made to resolve it
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8
Q

national standards authority of Ireland

A
  • sets, monitors and develops standards of safety and quality in Ireland
  • ensures that products meet EU and international safety/quality standards
  • provides accredited certification eg food hygiene and safety
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9
Q

citizens information board

A

statutory body that provides a range of advice on:

  • consumer rights
  • social welfare
  • family law
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10
Q

consumer association of Ireland

A

publishes consumer choice magazine
aims to improve consumer legislation
advices the gov. on consumer issues

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11
Q

advertising standards authority of Ireland

A

ensures advertisements are legal, decent, honest, truthful
investigates consumer complaints
independent, voluntary body

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12
Q

small claims court

A
system within the district court
cheap, fast, easy
used by consumers and businesses
no solicitor required
claims up to €2000
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13
Q

rights of the consumer

A

right to choice
right to honest and truthful information
right to safety
right to redress

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14
Q

procedures to be followed when making a complaint

A
  1. stop using the product when fault is identified
  2. return to shop with receipt/guarantee
  3. explain what you expect to happen
  4. if not satisfied, put the complaint in writing
  5. if no resolution, small claims court
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15
Q

purpose of consumer research

A

to identify consumer needs, wants, likes, dislikes and expectations

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16
Q

four merchandising techniques used to maximise consumer spending

A
  1. product placement (where in the shop)
  2. in store stimuli
  3. shelf position
  4. blocking techniques (displays placed at entrance/aisles to ensure consumers see them)
17
Q

Factors affecting management

A

Employment patterns
Socio economic status
Values and standards
Gender roles

18
Q

Role of household as a financial unit within the economy

A

Paying statutory taxes
Spending wages on goods/services
Mortgages/loans contribute to profits of financial institutions
Money management skills prevent children falling into debt/social welfare

19
Q

Social factors affecting household income

A

Age
Gender
Socio economic status
Culture (some jobs paid higher in other countries)

20
Q

Supplementary welfare allowance

A

Weekly payment to individuals whose means don’t meet their needs
To qualify:
-satisfy a means test
-waiting on social welfare payments to be processed
-have registered to work with their local intreo office

21
Q

Social insurance Payments

A

Paid to individuals who have paid the minimum 39 weeks of PRSI contributions
Not means tested

22
Q

Social assistance payments

A

Paid to individuals who have insufficient PRSI contributions
Means tested

23
Q

Factors that contribute to varying patterns of household expenditure

A

Socio economic status
Family size/stage
Location
Beliefs/values

24
Q

Strategies to follow when preparing a budget

A
Estimate total income 
List all expenditure 
Allocate a % of income 
Allocate savings 
Review and evaluate
25
Q

money advice and budgeting service

A

Funded by dept of social protection
Free and confidential service
-advice on money and budgeting for those in debt or at risk of debt
-facilitate knowledge and skills to avoid debt
-facilitate access to credit to pay debts

26
Q

Consumer credit act 1995

A

Regulates aspects of credit eg hire purchase, mortgages, credit cards
Monitors credit advertising
Imposes credit agreements
Stipulates that lenders cannot visit borrowers in their place of work looking for payment