All Canadian provinces have legislations passed to ban expiry dates and fees collected on gift cards. However, provincial gift card legislations do not apply to sectors that are regulated under federal laws. For example, gift cards that resemble credit cards (i.e. with Visa, MasterCard or American Express branding) and phone cards are regulated by the federal government. Under the federal Prepaid Payment Products Regulations, effective May 1, 2014, federally regulated gift cards may only charge maintenance fees under certain conditions, and may not set an expiry date for funds on those cards.
In 2012, over $100 billion in gift cards will be purchased in the United States, where over 20% of those gift cards will go unredeemed or unused. This has amassed a large opportunity in the secondary market, similar to the secondary ticket market in the early 2000s. Some companies have created a business in the secondary gift card market that allow consumers to sell their unused gift cards or buy discounted gift cards to their favorite brands. This has helped their users recoup their share of some $55 million per day that goes unredeemed in the United States every year, by turning their unused gift cards into cash.
Here’s a new baby freebie courtesy of Netmums and Aldi. Sign-up today to claim a pack of Aldi Mamia New-Born Nappies and also a free pack of Aldi Mamia Sensitive Baby Wipes. The freebie consists of two nappies in size 1 and a single pack of 24 baby wipes. You are able to request the sample if you have a baby or are currently in stages 1-3 of pregnancy.
Paper Gift Vouchers can be exchanged for goods in our UK Hamleys stores and online, with the exception of Hamleys departments based within House of Fraser Stores. Paper Gift Vouchers cannot be exchanged for cash, no change will be given for part use and it must be redeemed by the expiry date which is printed on the reverse of the voucher. Our paper gift vouchers will have at least a 12 month redemption period. When redeeming the paper gift voucher online you will be required to use the code underneath the scratch panel. The scratch panel can be found on the front of the paper gift voucher. Once the scratch panel has been removed the paper gift voucher cannot be redeemed in-store. Hamleys is under no liability should vouchers be lost, stolen or destroyed.
Calls to 0843 and 0844 numbers will cost 7p per minute plus your phone company access charge. Calls to 0845 numbers will cost 5p per minute plus your phone company access charge. Mastercard® and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. Flexecash is the pre-paid card platform which issues the Love2shop Cards. This facility is provided by Park Card Services who are Authorised and Regulated by the Financial Conduct Authority to issue electronic money. (FRN: 900016)
Not all gift cards are redeemed. The card may be lost; there may be time decay (expiration and fees) or complex rules of redemption; the recipient may not be interested in the store that accepts the card or be under the false assumption that not using it will save money for the giver. It has been estimated that perhaps 10% of cards are not redeemed, amounting to a gain for retailers of about $8 billion in the United States in 2006.
Gift cards have been criticized for the ability of the issuer to set rules that are detrimental to the purchaser or card recipient. For example, gift cards may be subject to an expiry date, administrative fees, restrictions on use, and absence of adequate protection in case of fraud or loss. Over time fees may render the value of a gift card zero. However, these issues have been addressed in recent years in some jurisdictions. In the United States, many jurisdictions limit or prohibit all fees or expiration dates for gift cards. Further, because of the negative impact on sales that such policies can have, most merchants have adopted and even advertise a "no fee, no expiration" policy for their gift cards, whether or not state laws require it. In 2011, an estimated 2.5% of gift cards were subject to an expiration date and 2.7% to post-sale fees.
However, this isn't guaranteed to work as there's no set rule on whether the law covers gift cards. Also, Section 75 only applies to single items worth over £100, so you aren't covered if you bought multiple gift cards for smaller amounts, regardless of the total cost. See our Section 75 guide for more info (and be aware you may need the gift giver to claim for you as they're the one who paid).
Also try local Facebook Selling groups, where instead of eBaying second-hand goods, people harness the social network's power to sell to others in the local community. To get started, search for your area or postcode on Facebook, alongside keywords such as 'selling', 'sale' or 'buy', or sell items by location via Facebook Marketplace on the Facebook app.
Another issue regarding gift cards are the growing concerns from retailers and other businesses about what can be done to prevent gift cards from being exploited by fraudsters. Gift card information can either be stolen from their rightful owners by fraudsters or they can be purchased with stolen credit card information. In recent years, cybercriminals have increased their efforts to take advantage of fraudulent gift cards as they are simple to exploit with automated brute-force bot attacks. The most common form of gift card fraud is committed through the act of stealing card information for activated cards with an existing balance by attacking a retailer's systems which store gift card data. Once a gift card has been compromised, the fraudster will then check the balance through online customer portals before using the funds or reselling on the secondary gift card market.
Monkey Music. You can get a free one-class trial of its music classes, which are aimed at tots from three months to four years and involve singing and percussion instruments. It runs at over 50 locations across England, Wales and Scotland. Just find your local class, register and hit the 'first class free' button when you add the class to your basket.
WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO GIFT CARDS, INCLUDING WITHOUT LIMITATION, ANY EXPRESS OR IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. IN THE EVENT A GIFT CARD IS NON-FUNCTIONAL, YOUR SOLE REMEDY, AND OUR SOLE LIABILITY, WILL BE THE REPLACEMENT OF SUCH GIFT CARD. IF APPLICABLE LAW DOES NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.
This one requires a little more strategy. Sign up at The Honest Company for a free trial or two. (We recommend the latter to make the most of the $5.95 shipping cost.) You can opt into a diapers and wipes bundle as well as an essentials package, which contains lotions, surface cleaners and hand soap. Just make sure to cancel your membership within seven days, or else you’ll be charged for a monthly subscription.
Tax Credits. Nine out of 10 families with children are entitled to tax credits, according to HMRC, but around 1.4 million fail to claim each year. The rules are complex, but to sum up, there are two types: Working Tax Credit (worth up to £1,960, plus £2,010 a year to couples and lone parents) and the Child Tax Credit. The Child Tax Credit Rules changed in 2017 and up to £2,078 for your first two children. You'll only get benefit for more children if exceptions apply. You'll only be eligible for the additional £545 family credit if one of your children was born before 6 April 2017. Check whether you qualify.