CASH OR CARD?
When high street retailer House of Fraser went into administration, customers with unspent gift cards were told they’d get a replacement, but some are still waiting.
Gift cards are popular as presents and they’re also given out by retailers instead of refunds, but they can be risky because you have few rights if the shop goes bust and you don’t have any right in law to get a refund or replacement card.
If you’ve paid for a gift card of more than £100 by credit card, you can claim against the card provider under Section 75, which means the credit card company is jointly liable with the retailer if there’s been a breach of contract. Otherwise, you’ll have to submit a claim for the money on the card to the shop’s administrators.