The Martin Lewis Podcast Christmas Special: The best of Martin’s Money Mastermind!
Jan 1, 2026
Adrian Charles, a regular contributor known for his engaging insights, joins for a festive dive into consumer rights and financial savvy. They tackle critical topics like the legalities of returning faulty tech and clarify the differences between debit card payments and direct debits. Adrian learns that retail gift aid only applies when charities sell donated items. Plus, they discuss how adding a child as a secondary cardholder doesn’t help build their credit score. Tune in for festive fun and smart money tips!
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Legal Rights Beat Manufacturer Warranties
- Consumer law requires goods to be of satisfactory quality, fit for purpose and last a reasonable time.
- 'Reasonable' has no fixed limit and a judge would decide on disputes.
Enforce Retail Consumer Rights First
- Do insist on your retail rights with the shop if a product fails within a 'reasonable' time despite the warranty expiring.
- Ask for repair, replacement or refund from the retailer rather than relying on the manufacturer's warranty.
Use Direct Debit For Stronger Protection
- Avoid giving card details when asked to set up recurring payments if you want stronger protection.
- Provide bank account and sort code to set up a direct debit and gain the Direct Debit Guarantee protections.