There are three steps to follow when making a complaint, but the first step is always to contact the business to explain the problem and how you would like it fixed.
When you buy products or services from a trader, you are entering into a contract. Before you do, make sure you understand what you are agreeing to.
A lay-by agreement lets you buy a product and pay for it in two or more instalments before taking it home. It’s important for you to understand what the written agreement covers and how you or the business can cancel it.