Buy­ing over the counter? On­line shops of­fer more pro­tec­tion

The Daily Telegraph - Your Money - - MONEY -

money back from your credit card com­pany un­der “sec­tion 75” rules, which ap­ply to pur­chases of be­tween £100 and £30,000 made us­ing the card.

Five things you didn’t know about re­turns

You don’t need a re­ceipt You do not ac­tu­ally need a re­ceipt to re­turn an item, even if some re­tail­ers sug­gest that this is the case. All you need is some form of proof that you paid for the item from the store. This could be an or­der con­fir­ma­tion email or a copy of your bank state­ment, Mr James said.

You have more rights if you buy on­line Many shop­pers be­lieve their rights are com­pro­mised if they buy on­line; in fact the op­po­site is true.

You ac­tu­ally have no le­gal right to re­turn some­thing bought over the counter un­less it is faulty. If you buy on­line and change your mind about the pur­chase you have 14 days in which to claim a re­fund. And if you tell the re­tailer you wish to re­turn some­thing within those two weeks you are given an ad­di­tional fort­night in which to phys­i­cally re­turn it.

You can re­turn faulty goods for up to six months If an item is faulty you have the right to re­quest a re­fund within 30 days. If it breaks within six months you must give the re­tailer a chance to fix it, but they need to re­fund you if this is not pos­si­ble.

Mr James said it was worth com­plain­ing after this point, par­tic­u­larly for items you would ex­pect to last, such as a tele­vi­sion, but firms were un­der no obli­ga­tion to is­sue a re­fund. Many items would be cov­ered by man­u­fac­tur­ers’ war­ranties in these cir­cum­stances.

You should open a par­cel be­fore sign­ing for it Many shop­pers will fall for the com­mon scam of re­ceiv­ing fake goods this Christ­mas. Mr Cle­mentson said fraud­sters filled boxes with items that felt about the same weight as the promised goods. This is be­cause many pay­ment providers will re­lease the funds to the re­tailer when the goods are signed for. It’s worth open­ing pack­ages be­fore you sign on the dot­ted line.

On­line re­tail­ers are li­able, not de­liv­ery firms One of the most frus­trat­ing parts of Christ­mas can be a de­liv­ery that doesn’t ar­rive. In one case Tele­graph Money is aware of, an ex­pen­sive watch was lost after the neigh­bour who al­legedly re­ceived the par­cel claimed to have no knowl­edge of it. In these cir­cum­stances it is the re­spon­si­bil­ity of the on­line shop to de­liver the pack­age either into your hands or to the ex­act lo­ca­tion spec­i­fied.

Newspapers in English

Newspapers from UK

© PressReader. All rights reserved.