Services Authority

This Act requires most businesses that offer goods and services on credit or lend money to consumers to be licensed. Trading without a license is a criminal offence and can result in a fine and/or imprisonment. This act also requires certain credit and hire agreement to be set out in a particular way and to contain information. If a consumer credit business deals with first charge mortgages, payment protection insurance and other types of insurance, then you may need permission from the Financial Services Authority to sell or administer regulated mortgage contracts and general insurance contracts. If you carry on mortgage or general insurance business without permission or arranging to exempt, you may risk a fine or imprisonment. 


This Acct makes an offence to apply a false or misleading description to goods and to supply or offer products to which a false or misleading trade description is applied. The description of goods that are considered to be trade descriptions are quantity or size, methods of manufacture, composition, fitness for purpose, place or date of manufacture, other history etc. The buyer and seller both enters into the legal binding contract which cannot be cancelled without agreement if something is bought or sold. Legal responsibilities are placed on both parties. Some are result of express items and some result of unspoken terms from legislation like the Sales of goods Act 1979.


The ASA is the independent body set up by the advertising industry to monitor the rules laid down in the advertising codes. All complaints whether about adverts in print or online or in air goes to ASA. It is assessed by specialist staff. ASA was formed in 1962 by UK advertising industry and its aim is to serve a better service than it was served before.


UK competition has wide range powers to investigate and take action against anti-competitive activity in the UK. The competition act is primarily aimed at resolving problems with the way that market works. You do not have to directly involved in an activity to make a complaint. You can get in touch with the ORR if you suspect that any company supplying services relating to railways is involved in activities that are prohibited by the Competition ACT 1998.


This Act establishes the post of Director General of the Office of Fair Trading. Under the Act, the Director General has a general duty to keep under review trading practices in the United Kingdom which may affect the economic interests of consumers. The duties are to publish are to publish information and advice for consumers. He also encourages trade associations to prepare odes of practice which helps safeguard and promote the interest of consumers. 

The Director General (Under part III of the act) has power to take action against traders who continually break the law. If he can show the trader has persisted in an unlawful course of conduct which is against the interests of consumers, he can then seek a written assurance from the trader that this conduct will stop. If the trader refuses then the Director General can apply to the Court for an order. A trader who breaches a court may be liable to heavy fine, or even imprisonment. 

It raises the standard of safety and health for all individuals at work and to protect the public visitors and contractors whose safety may be put at risk by the activities of people at work. All employers are required to produce a written statement of their general policy. Employers are required to set out the policy in three sections:

Statement of policy: This requires the employer to set out a general statement of aim with regard to health & safety. It should be stated in simple terms, what the general aims are with regards to employees health & safety. It may also include duties of employees to ensure the health & safety of others and themselves. Safety organisations: This part sets out personnel with responsibility for safety function from senior management down, and the chain of communication between these persons.