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.
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?
Understanding your credit card rights under Section 75
You get great consumer protection if you pay for something using your credit card, but the rules aren’t completely cut and dried.
There's lots of confusion about how you're protected if you pay by credit card. I've written about the basics in your rights when paying by credit card. Many of us know that if you pay for something using your credit card, and it costs between £100 and £30,000, you can claim against the credit card company if there’s a problem or the goods don’t arrive. But while the principle is straightforward, the rules can be complicated.