In this guide, the words 'must' or 'must not' are used where businesses are legally required to do (or not do) something. The word 'should' is used where there is established legal guidance or best practice that is likely to help businesses avoid breaking the law.

This guidance is for England, Scotland and Wales

The Consumer Rights Act 2015 (CRA) gives you important rights when you make a contract with a trader for the supply of goods, services and digital content.

This guide helps you navigate your way through the law. It offers a clear explanation of the rights you have when a trader supplies a service to you and the remedies that are available if the service you receive is below the standard you are entitled to expect.

WHAT IS A CONTRACT?

The law only applies to contracts between a consumer and a trader.

A contract is a legally binding agreement between you and the trader. A contract is formed when you make an offer to buy, the trader accepts your offer, the price is agreed, and you both intend to make the contract legally binding. The rules of the contract are called 'terms', such as the price of the service or the type of service to be supplied, and those that are imposed by the law are referred to as your 'statutory rights'. Contracts can be written, spoken and even implied by conduct (sometimes called silent contracts because no words are spoken and nothing is written down). The 'Unfair terms in consumer contracts and notices' guide gives more information on how a contract is formed and when the terms of a contract may be unfair to you.

WHICH CONTRACTS DOES THE LAW APPLY TO?

The law covers contracts where a trader supplies you with a service (such as hairdressing, building work or car repairs), but contracts of employment or apprenticeship are specifically excluded.

If a trader sub-contracts all or part of the service to another trader, then they are still legally responsible to you for the entire contract. For example, if you make a contract with a kitchen company to supply and install a new kitchen and this contract includes electrical work, then the company is legally responsible to you for the work carried out by the electrician. This is because you did not make a contract directly with the electrician, you made it with the kitchen company.

Some contracts may involve a trader supplying you with goods and/or digital content, as well as providing you with a service. These are called 'mixed contracts', and examples include contracts where a trader supplies you with double glazing and installs it for you, or where a trader provides you with a computer set-up service that includes the installation of internet security software. The 'Sale and supply of goods: your consumer rights' and 'Supply of digital content: your consumer rights' guides give more information on the rights and remedies you have for the other parts of a mixed contract.

There are some service contracts (for example, financial services, estate agency and holidays) where additional rules and regulations apply, so you may have extra rights.

WHAT STATUTORY RIGHTS DO YOU HAVE?

The law sets out what you are entitled to expect from every contract that involves supplying a service. These are commonly referred to as your 'statutory rights'.

THE SERVICE MUST BE CARRIED OUT WITH REASONABLE CARE AND SKILL

What does this mean in practice? It means that a trader must carry out the work to the same or similar standard to that which is considered acceptable within their trade or profession. Industry standards within a particular service sector, relevant codes of practice and even the law (such as building regulations and credit legislation) are useful benchmarks to consider when deciding whether a trader has carried out the service with reasonable care and skill.

INFORMATION ABOUT THE TRADER OR SERVICE IS LEGALLY BINDING

This means that anything said or written down by a trader (or someone acting on their behalf) about their business or the service forms part of the contract, if you take the information into consideration before you agree the contract, or if you make a decision about the service after the contract is made. For example, if a gardener told you that they would use a certain type of high quality wood preserver to paint your fence and you relied on this statement when you decided to go ahead, then it forms part of the contract.

It is an important element in a contract for the supply of a service that a trader must give you specific pre-contract information, as set out in the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. The 'Buying from business premises: on-premises contracts explained', 'Buying by internet, phone and mail order: distance contracts explained' and 'Buying at home: off-premises contracts explained' guides explain what these pre-contract requirements are.

REASONABLE PRICE TO BE PAID FOR A SERVICE

You are required to pay only a 'reasonable price' for the service that a trader provides unless the price of the service (or the way in which the price is worked out) is fixed as part of the contract. Therefore, if you haven't agreed a price upfront, then the amount you are asked to pay must be reasonable. What is a reasonable price? This depends on the facts of each contract, but as a guide it may be the average price charged by other traders providing the same type of service in the area.

You should note that many contracts, including contracts for the supply of a service, are also covered by the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, which means that you must be given the total price (or the way in which the price is worked out) before the contract is made.

THE SERVICE MUST BE CARRIED OUT WITHIN A REASONABLE TIME

Sometimes, a contract will fix the time that a service must be completed by. If the time has not been fixed, then the service must be completed 'within a reasonable time'. What is reasonable usually depends on the facts of the contract.

DO YOU HAVE THE RIGHT TO CHANGE YOUR MIND?

The CRA does not give you the right to change your mind about a service after you have made the contract. However, check with the trader to see whether they have a policy that allows for cancellation.

There are some contracts that you do have the legal right to change your mind about, depending on where they were agreed. The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 cover 'distance' contracts, such as those made via the internet, phone and mail order, and 'off-premises' contracts, such as those made on your doorstep. You have the right to cancel most 'distance' and 'off-premises' contracts, and the cancellation period is 14 days. The 'Buying by internet, phone and mail order: distance contracts explained' and 'Buying at home: off-premises contracts explained' guides give more information.

WHAT IF YOUR STATUTORY RIGHTS ARE NOT MET?

If a service is not carried out with reasonable care and skill, at a reasonable price and within a reasonable time, or is not carried out in line with information that was said or written down, then the trader is in breach of contract. This means that you are entitled to seek a legal remedy. We explain below what remedies are available to you.

RIGHT TO REPEAT PERFORMANCE

If a service is not carried out with reasonable care and skill, or a trader fails to provide a service in line with information they gave you beforehand, then they must perform the service again so that it 'conforms with the contract' (is completed as the contract states that it should be). You are entitled to have this repeat performance carried out within a reasonable time, without significant inconvenience and at no cost to you. 'Reasonable time' and 'significant inconvenience' will depend on the facts of each contract. You cannot insist that a trader performs the service again if it is impossible, but you have another legal remedy (the right to a price reduction) that you can use instead.

RIGHT TO A PRICE REDUCTION

If repeat performance of a service is impossible, or it cannot be carried out within a reasonable time or without causing you significant inconvenience, then you are entitled to a price reduction. This can be as much as a full refund - for example, where you have had no benefit from the service and it will need to be started again. A price reduction can be calculated by comparing the difference between the contract price and the value of the service actually performed. For example, if you contracted a jeweller to repair several pieces of jewellery and some pieces were repaired satisfactorily, but some were not repaired at all because the jeweller's specialist tools were faulty, then the contract price would be reduced. You would only be required to pay for the jewellery repairs that were actually completed.

You are also entitled to a price reduction if the service is not carried out within a reasonable time and where the trader is in breach of their obligations relating to information they gave you that is deemed to be part of the contract.

The trader must give you a refund without undue delay and, in any event, within 14 days from the time they agreed you were entitled to it. This must be by the same means of payment you used to make the purchase. However, an alternative can be used if you expressly agree to this.

DO YOU HAVE ANY OTHER REMEDIES?

Your statutory rights are automatically included in the contract you have with the trader. If they are not met, then the trader is in breach of contract. This means that you can seek one of the legal remedies described in 'What if your statutory rights are not met' above. However, you might decide to take a different route to seek redress.

The Consumer Protection from Unfair Trading Regulations 2008 (CPRs) include provisions that give you rights of redress if a trader has engaged in an unfair commercial practice involving a misleading action or an aggressive practice: the right to unwind the contract, the right to a discount and the right to damages. See 'Misleading and aggressive practices: rights of redress' for more information. Please note that the CPRs' provisions on rights of redress will be replaced by similar ones in the Digital Markets, Competition and Consumers Act 2024 (DMCCA). However, the DMCCA's rights of redress provisions are not yet in force.

You can report complaints about unfair commercial practices to the Citizens Advice consumer service / Advice Direct Scotland for referral to Trading Standards (contact details can be found at the end of this guide).

If you paid for a service on finance arranged by a trader, or if you paid for a service using your credit card and it cost more than £100 but less than £30,000, then you have rights under the Consumer Credit Act 1974. Section 75 of the Act makes the finance / card provider as responsible as the trader for a breach of contract or misrepresentation. This could include supplying a substandard service or making a false claim about a service. You are entitled to take action against the trader, the finance / card provider or both. If you are unhappy with the finance / card provider's response, then you can complain to the Financial Ombudsman Service.

HOW LONG DO YOUR RIGHTS LAST?

In England and Wales, you have a limit of six years from the date of the breach of contract (when the poor service was performed) in which to make a claim against the trader. This works a little differently in Scotland where you have a limit of five years to make a claim, starting from the time you discovered there was a problem with the service.

This does not mean that the service has to last the five or six years; it depends on what is reasonable for the type of service performed.

WHAT IF A TRADER HAS A 'NO REFUNDS' TERM WRITTEN IN THE CONTRACT?

A trader is not allowed to exclude or restrict your legal rights in any way. If you inadvertently agree to a term in a contract that excludes or restricts your rights, then you are not bound by it because it is considered an 'unfair term'. The 'Unfair terms in consumer contracts and notices' guide gives more information. If a trader tries to restrict or exclude your rights, you can report it to the Citizens Advice consumer service / Advice Direct Scotland for referral to Trading Standards.

A strict 'no refunds' policy may be considered an unfair commercial practice under the DMCCA, which protects consumers from unfair treatment. If you suspect that a trader is acting unfairly, you can report it to the Citizens Advice consumer service / Advice Direct Scotland.

STEPS TO TAKE BEFORE AGREEING A SERVICE CONTRACT

Research the service you require before you enter into a contract with a trader. Compare prices and, depending on the nature of the service, obtain at least three written quotations from traders, rather than estimates. An estimate may vary as it gives a general outline of the work and a guide price, but a quotation is a fixed and binding price for specific work. The total price must include VAT as you are buying as a consumer. Make sure the price you have been quoted includes all costs and that there are no hidden 'extras' that will be added in later.

Consider using a trader that is a member of a scheme such as Buy with Confidence. All traders that appear on the Buy with Confidence website have been approved to help ensure you receive a quality service and to maintain the integrity of the scheme. Visit the Buy with Confidence website for more information.

You can also consider using a Trustmark registered trader. Trustmark is a Government-endorsed quality scheme covering work carried out in and around the home.

The Chartered Trading Standards Institute (CTSI) operates the Approved Code Scheme. CTSI approves and promotes codes of practice, sets out the principles of effective customer service and requires traders to have robust alternative dispute resolution schemes. You can search for approved code members on the site.

There are some traders that are legally required to hold specific qualifications that relate to their business. They may also be a member of a relevant trade or professional body. Any claims about qualifications and membership must be accurate. You should check claims of membership of trade associations or approval by official bodies. The 'Trade associations and regulatory bodies' guide gives more information. Anyone working with gas must, by law, be on the Gas Safe Register. Electrical installation work must comply with building regulations. Check to see whether your installer is registered with a competent person scheme and can self-certify that the work complies with building regulations. If they are not, the work will need to be inspected, approved and certified - for example, by local authority building control. You must be given safety and compliance certificates to show that the work meets the requirements of the building regulations. For architects, check with the regulator - the Architects Registration Board - that the architect is registered with them and check with the relevant professional body that they are actually a member of that body.

Under the CRA, when you make a contract with a trader for the supply of a service, it is you that has the rights and remedies against the trader if the service is not carried out with reasonable care and skill. If you buy a service as a gift (for example, a voucher for a beauty treatment or a golf lesson), then you should make this clear to the trader. Under the Contracts (Rights of Third Parties) Act 1999, the person who receives the gift may, depending on the contract terms, be entitled to make a claim against the trader for a breach of contract. To prevent any problems, ask the trader for a gift receipt.

Try to avoid paying cash in advance unless you have to. If you do, however, then try and pay as little as possible, as you could lose any money that is paid in advance.

Never agree to have a service provided by someone who calls at your home uninvited.

PAYMENT SURCHARGES

Under the Consumer Rights (Payment Surcharges) Regulations 2012, traders are banned from imposing surcharges on consumers for using certain payment methods.

See 'Pricing law and guidance' for more information on the Regulations.

WHAT TO DO IF THINGS GO WRONG?

The 'Supply of services: what to do if things go wrong' guide explains the practical steps you can take when complaining to a trader about a service.

Consider using alternative dispute resolution as a way to resolve your complaint without going to court. The Chartered Trading Standards Institute (CTSI) ADR approved bodies webpage has more information.

As a last resort, you can take legal action against the trader in the court. See 'Thinking of suing in court?' for more information on these options.

If you bought a service from a country outside the UK and have a complaint, you can contact the UK International Consumer Centre for help and advice.

IN THIS UPDATE

Changes made to reflect the coming into force of the Digital Markets, Competition and Consumers Act 2024 (Part 4, Chapter 1: 'Protection from unfair trading')

Last reviewed / updated: September 2025

Key legislation

• Consumer Credit Act 1974
• Contracts (Rights of Third Parties) Act 1999
• Consumer Protection from Unfair Trading Regulations 2008
• Digital Markets, Competition and Consumers Act 2024
• Consumer Rights (Payment Surcharges) Regulations 2012
• Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013
• Consumer Rights Act 2015

Please note

This information is intended for guidance; only the courts can give an authoritative interpretation of the law.

The guide's 'Key legislation' links may only show the original version of the legislation, although some amending legislation is linked to separately where it is directly related to the content of a guide. Information on amendments to legislation can be found on each link's 'More Resources' tab.

For further information in England and Wales contact the Citizens Advice consumer service on 0808 2231133. In Scotland contact Advice Direct Scotland on 0808 164 6000. Both provide free, confidential and impartial advice on consumer issues.

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