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30-Jul-2020 08:00

Once you've paid using a credit card, the card provider and retailer are locked into a legally binding contract, so if the retailer can't or won't refund you, you can raise the dispute with your card provider.

You won't be covered under Section 75 if you used a debit card or spent less than £100 on a credit card, but you could try to claim your money back under the chargeback scheme.

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If you bought something costing £100 or more on a credit card, you may be able to claim it back under a little-known law: Section 75.the photo looks like it is from a magazine or the description the person has given of themselves doesn't match the photo)...