Buying Goods and Services
There are various ways that you can buy goods and services and your statutory rights can vary depending on the way that you have purchased something.
Detailed advice on the specific buying options and an explanation of your rights are available at the following links:
Paying by Credit or Debit Card
If you buy goods or services on your credit or debit card, you have extra protection if things go wrong compared with paying by cash or cheque.
Credit cards have the greatest protection, as you can make a claim against your card provider under Section 75 of the Consumer Credit Act.
The credit card company shares equal responsibility for the goods or service supplied with the retailer or trader whether bought online, by telephone or mail order for delivery to the UK from overseas. This allows you to also put your claim to the credit card company as well as the supplier.
If you pay by debit card, charge card or prepaid card you may be able to make a Chargeback request to your card provider.
Full details of what is covered and how to make a claim are available from:
Payments using Third Party payment services
Often, particularly when making a purchase on-line, the company that handles your credit or debit card payment is not the same as the one that provides the goods or service.
If you use this method of third party payment you may be able to claim under Section 75 for any misrepresentation or breach of contract.
Paypal is the most widely used third party payment facilitator and offers its own buyer protection scheme, called PayPal Buyer Protection.
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