am organising a glamping trip for my sister and 10 of our friends for her hen night and I found a great site in Cork. The only catch is the owner is insisting I pay the total cost of our accommodation upfront, directly into her account by bank transfer. When I asked her why, she said it is to protect her from “no shows”. She seems legit and gets good reviews online but I’m wary of transferring so much cash before we even get there. Do I have any other option? Niamh, Birdhill, Co Tipperary ONCE you transfer money from your bank account to another, it is gone and you cannot reverse the transfer if you need to. So if you have any issues with the glamping site after you arrive and these issues are not resolved to your satisfaction, it could be very hard for you to get your money back.
You could ask the owner if you could pay a small deposit now and the balance on arrival. Or ask if you can pay by debit or credit card. Paying this way gives you protection in the form of a chargeback if the company goes out of business or doesn’t deliver what it promised. The scheme enables you to claim a refund from your card provider in certain circumstances. It works by the card company trying to claim your money back from the company you have paid (by reversing the transaction). Check what your card provider’s position on chargeback is. Each card issuer has its own processes concerning them, which are set out under the rules of the various credit and debit card schemes. is only a click away, but it is always worth doing some background checks on the seller — especially if you have not bought from them or never heard of them before.
Did the seller you bought the mattress from have a website? If so, it should have a physical address and contact details, so you should try and make contact this way. If you are suspicious that the seller is not genuine, check if it is registered on the Companies Registration Office’s website (www.cro.ie). If the seller is not registered, you may have bought from an individual, rather than a business — and in that case you don’t have any consumer rights.
If the business is registered with the CRO, you should make a formal complaint in writing to the business, outlining the problem and how you would like it to be resolved. If something you buy online turns out to be faulty, you are entitled to a repair, replacement or refund, depending on the fault.
If you need help writing your complaint, there are template complaint letters available onccpc.ie. If, following your complaint, you are still unhappy with the response, another option is to use the Small Claims Process. This can be While we will endeavour to place your questions with the most appropriate expert for your query, this column is not intended to replace professional advice.