Pay Your Way
Gift cards and gift vouchers; expiry dates, your rights if the retailer goes bust and lost cards
If you’re thinking of buying a gift card, make sure you understand when the card may expire and what happens if the retailer goes bust

Gift cards and vouchers can be a convenient way of giving a present to someone if you’re not sure what to get them but you know where they like to shop. However, not all gift cards are equal! Some have a longer expiry date than others and some can be used online while others cannot. And, if the retailer goes bust before the gift card or voucher has been used, the money may be lost forever.

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08-10-2012
22-12-2014
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Ordered something online and never received it? What are your rights?
What are your rights if you order something online or over the phone and it doesn't arrive or is late?

If you're shopping online (or by mail order or over the phone), you have rights. These rights mean that it's the retailer's responsibility to make sure that goods turn up. So if you order something, you don't need to battle with the delivery company - contact the retailer instead.

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17-12-2010
28-11-2014
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Knowing your rights to credit card protection under section 75 - even if the card companies don't.
Banks and credit card companies are giving consumers the wrong information about their rights to credit card protection.

If you pay for something costing between £100 and £30,000 by credit card you get valuable protection under ‘section 75’ of the Consumer Credit Act. In broad terms it means you may be able to get your money back if there’s a problem with the goods or services you’ve ordered or the company fails. But a report by the Financial Ombudsman Service shows that credit card companies are giving people wrong information and fobbing off their complaints. So what’s true and what’s a myth?

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01-05-2012
15-11-2014
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The material provided on this website is general information that is intended for general guidance and is not suitable for professional advice.
You should always obtain independent financial advice.