We will discuss this later in reference to the Consumer Credit Act, but for goods and services paid for under a distance selling contract, you are protected against fraudulent use of your payment card. If you ever find an entry on your bank statement for a sum of money that you did not authorise, in relation to something you bought online, over the phone or by mail order generally, you are entitled to 100% of the fraudulent amount to be recredited to you by the card issuer.
Do take care however with advance or pre-payments as these are not protected against fraudulent use, and in any case, the supplier may become insolvent before your goods or services are delivered, leaving you with nothing, and little recourse.
- Know all the facts before you decide!
- Your right to cancel
- Returns and refunds
- I’ve been sent stuff I never ordered!