Demand a refund for goods purchased with a credit card

Use this letter to seek a refund from your credit card company for goods costing between £100 and £30,000 that you purchased, or part purchased, that were not delivered or were faulty, not as described, or not fit for their purpose. It can be used for items purchased from outside of the UK.
For goods purchased on or after 1 October 2015 which are either faulty, not as described or not fit for their purpose, you will have an automatic right to cancel the contract and obtain a refund if no more than 30 days have passed since you bought the goods. Otherwise you will have to wait until you have given the seller at least one opportunity to repair or replace the goods before claiming a refund.

For goods purchased on or after 1 October 2015 that have not been delivered, you will have to wait for 30 days from the date of purchase for delivery if the contract does not contain a specific delivery date. Depending on whether you agreed with the seller that the time for delivery was essential before buying the goods, you may have to give the seller another chance to deliver the goods but extending the time for delivery. If the goods were purchased on or after 1 October 2015 you must have notified the seller that you want a refund before sending this letter.

This document is suitable for consumers (not businesses) in the UK only.

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