Cyber Monday has reared its head and that means we need to turn our attention to the festive shopping problems that could arise.

During the seasonal period spending is expected to soar but if you're not careful you can lose out on money and even be in danger of being scammed.

Here's five of our top tips from consumer rights expert James Walker from Resolver on how to shop safely in the seasonal sales.

Watch out for scams

Cyber criminals love Christmas, in fact they love any time they can use an event to convince us to part with our credit card details. But always be careful of clicking on links in emails and on social media that are promising great and extra special deals around this time. Viruses or malware may also be disguised as e-cards or fun little dancing characters. These could download malicious code to your computer or take you to fake websites designed to take your personal details and card details. Criminals use this for identity fraud and to steal money from your bank account or make purchases on your credit. Remember, if it looks or sounds too good to be true it usually is.

Check the refund policy

Purchases made at Christmas are no different to those made at other times of the year when it comes to a refund entitlement but they may come with better terms. In many stores, the refund period is extended to early January in case the recipient of your gift doesn't like what you bought. Remember, always get a gift receipt so as not to reveal how much you paid. If you've bought stuff online you normally get up to 14 days AFTER you receive the goods to return them but check if this is extended for the Christmas period to take into account the timelag for giving it to your friend or family member.

Delivery woes aren't acceptable

Christmas means there is huge additional pressure on delivery services. Remember to take pictures of any damage, note down all your issues and complain to the store you bought it from. They have a contract with the courier, not you. The courier has a responsibility to make sure the goods arrive in your hands safe and sound.

Wait until the Boxing Day sales

Prices are heavily slashed after Christmas, more so than on Black Friday. So sometimes if you don't need an item yourself straight away or can persuade a family member to wait a day or two, you can pick up the same gift with loads of money off. You'll also be able to grab a bargain on old stock and models that have a much lower price-tag. Many sales start online on Christmas Day, sometimes with extra special initial offers, so it may pay to take a moment out after dinner to have a look and size up the deals while watching that classic film, rather than falling asleep on the sofa.

Be careful with gifts vouchers/cards

Gift cards and vouchers bring so many problems, including expiring quicker than you'd expect or being left with tiny amounts on a card you can't easily spend. Many can be delivered by email too, although that's not very festive. But in the past we have seen companies go into administration or close down totally leaving real uncertainty over whether they can or will still accept these cards or vouchers. And with more and more shops under threat right now thanks to the economic downturn, this sort of present poses a real risk. Always read the small print and if you are buying one, then those that offer you the chance to purchase at many different stores are generally more useful for the recipient.