You may be thinking of buying a gift card for your loved ones to spend at their favourite stores this Christmas, but my advice would be to be very careful here.

Customers are being short-changed because some cards expire within just 6 months. Others carry hidden fees that quickly make them worthless. The Government is seeking a minimum 2 year expiry period and fairer terms and conditions, as cards often do not even carry use-by dates.

Gift cards are risky. If a firm goes bust, you lose your money and it can be incredibly difficult to find out when a gift card expires.

Shoppers can also be caught out by hidden fees, with a 90p charge applied each month after 18 months on ‘One 4 All’ cards, which can be used with more than 100 retailers including Debenhams, M & S, House of Fraser, Gap, H & M and Waterstones (no expiry date).



Cineworld, Costa Coffee, French Connection, Habitat, Jojo Maman Bebe, Pandora, Sweaty Betty, Ted Baker, Ticketmaster, White Stuff


Body Shop, Fat Face, House of Fraser, Lakeland, M & S, Mothercare, Reiss, Superdrug


Argos, Zara


Ikea, iTunes, Selfridges, Starbucks

I cover various aspects and real-life scenarios involving the Consumer Rights Act 2015, Consumer Credit Act 1974, Misrepresentation Act 1967, pothole claims, speeding tickets, parking tickets, obscured signs and other legislation including the Road Traffic Act complete with templates based on real-life test cases that work in my book now on sale via Amazon as an e-book and paperback priced £2.99 / £7.99.

Buy it now as an e-book here or on paperback here

BBC Radio Scotland have read it and interviewed me as a consumer expert for a five-part consumer programme they have made.  Read a free sample via my website and let me know what you think?

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