Buying over the counter? Online shops offer more protection
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.