Financial Mis-selling...
Below are our articles on the subject of Financial Mis-selling. If you can't see what you are looking for our other categories are displayed on the left under 'Our Quick Links'...
All About Computer Refunds
Have you bought a problematic computer? Consider your options - do you want a repair, replacement or a refund?...
All About Food Refunds
Food Refunds Explained: If you've bought food and want a refund our guide explains whether you're entitled to your money back...
All About Internet Service Provider Refunds
Fed up with your Internet Service Provider? We explain the situations in which you can claim a refund....
All About Tax and VAT Refunds
Confused about reclaiming Tax or getting a VAT refund? Find out whether you're owed money here....
Am I Entitled to a Refund?
Have you paid for something and now want a refund? We explain your rights and how to get your money back....
Bank Account Debited Without Consent: Can I Get Refund?
Banks have a duty to protect their customers' money, as long as they have acted 'reasonably'. Find out more here....
Bank Charge & Credit Card Charges
Recent changes in the law mean many credit card agreements and bank charges may be unfair. Find out here about refunds and getting your debts wiped off....
Books, Magazines & eBook Refunds
Have you bought a book, magazine or newspaper that you're not happy with? We explain whether you're entitled to a refund....
Can I Return a Jacket to Buy a Cheaper One Elsewhere?
We've all bought something at full price and then seen it vastly reduced a few weeks later. Here's what the law says about returning items because you've seen them cheaper elsewhere....
Can you Get a Refund on a Parking Ticket?
A lot of parking tickets are issued fairly, but there are also those that aren't. We explain how you can avoid having to pay an unfair fine....
Car Purchases and Refunds
If something's gone wrong with a car that you've recently purchased, you might want a refund. We explain what you should do....
Claiming a Refund for an Unsatisfactory Restaurant Meal
How to get a refund for a restaurant meal that you're unhappy with....
Clothes, Shoes and Accessories Refunds
Do you want a refund for clothes, shoes or accessories? We explain your rights and how to return your purchase....
Costs in Civil Litigation
If you're involved in civil litigation and win your case, you should be able to claim some or all of your costs back from the losing side. Find out more here....
Council Tax and How to Get a Refund
Have you ever wondered whether you are paying the right amount of council tax? Successfully challenge your band and you could get a refund!...
Criminal Court Costs
When you are acquitted of criminal charges, you are entitled to claim for the costs of coming to court & your travel. Jurors can also claim for lost earnings, travel and other financial losses. Find o...
Enforcing a Court Order
If you take someone to court and obtain a court order to get your refund back, what happens if they don’t pay up?...
Enforcing a Judgment on Builders: A Case Study
Although obtaining judgment might seem like the end of the story, it can be difficult to get your money back. This example shows the main ssues that occur during this process....
Event Ticket and getting a Refund
Have you paid money for tickets for a concert or other event but want a refund? Find out if you're eligible....
Extended Warranties Explained
If you're wondering whether or not to buy an extended warranty, read this first....
Faulty Furniture: A Case Study
When items are custom made, you will lose your right to a refund if you change your mind. What happens if the goods are unsatisfactory? Find out here....
Faulty Goods Replaced: Do I Get a New Warranty?
If you've purchased goods under a guarantee or warranty, it's important to know what this entitles you to. Find out more here....
Gas and Electrical Items
What are your rights in relation to faulty gas and electrical goods? Find out here whether you can get a refund....
Getting a Refund Due to Unreasonable Contract Terms
Sellers have to be fair in their agreements with consumers. We explain what that means and whether you're entitled to a refund....
Getting a Refund for Public Transport
If you've been delayed because of problems with public transport, you may be entitled to a refund. This could mean you get the cost of your journey back, as well as compensation for other losses. Find...
Getting a Refund from a Company That's in Liquidation
Have you paid money to a company that's fallen victim to the credit crunch? Here's what to do....
Getting a Refund on Items Bought Abroad
If you're tempted by cheaper prices abroad, consider whether you'll be able to get a refund in the event that something goes wrong....
Getting your Money Back From A Private Seller
Have you purchased from a private seller or from a person on Ebay? We explain your rights to a refund....
Holiday, Hotel & Timeshare Refunds
Been disappointed by your holiday experience or worried that what the hotel won't be all it promises? Here are your rights to a refund....
How to Get a Refund from a Pawnbroker
Thinking Of Using A Pawnbroker? Know Your Consumer Rights First!...
How to Get a Refund on Furniture and Furnishings
Not satisfied with your furniture? Know your consumer rights and when you're entitled to a refund....
How to Get your Deposit Back as a Tenant
Landlords and Tenants! All assured shorthold tenancies must now use the Deposit Protection Scheme. We discuss the various options here....
How to Protect Yourself and Your Money
Want to know how to protect your money? Here are some handy tips on how to shop safely....
Loan Protection Insurance: PPI/PLP and ASU
Have you got a loan, credit card, or mortgage for which you are paying Payment Protection Insurance? Find out here whether you may be able to make a claim for financial mis-selling....
Mobile Phones and Getting a Refund
Once you've bought a mobile phone, and entered into a contract, can you still get a refund?...
Negotiating A Refund: A Case Study
Sarah's experience with a designer dress bought in the sale nearly left her out of pocket. Find out here how she got a refund....
Paypal and Worldpay
If you've bought something over the Internet using PayPal or Worldpay, you may be wondering what you should do to get your money back if things have gone wrong with the transaction. Find out how to ge...
Pensions, Mortgages and Investment Bonds
If you've been sold a financial product that has underperformed, you may be entitled to make a claim for financial mis-selling if you were not aware of the risks accompanying the investment. Find out ...
Postal Service and Getting a Refund
If you’ve sent something through the postal service or by courier and it’s been lost or damaged in transit, are you entitled to a refund?...
Premium Bonds: How to Get Your Money Back
If you own, or think you might own Premium Bonds, you may be wondering whether they offer a good return on investment or not. Find out the odds of winning, and what you should do if you want your mone...
Rail Refunds If Your Train is Delayed
What to do when you have problems with a rail service, refunds and minimum standards....
Reclaiming Business Expenses
Have you ever wondered whether you might be able to claim an item you bought with your money on business expenses? We explain here....
Refund for Medical Procedures
If you've had medical treatment that hasn't gone to plan, you may be able to get your money back by making a claim for compensation. Find out more here....
Refunded Concert Tickets Due to Train Delay?
Have you lost out as a result of a delayed or cancelled train? You may be able to claim against the train operator. Read more here....
Refunds for Mis-Sold Insurance Policies
If you have been mis-sold a policy of insurance and can prove it, you may be entitled to make a claim to get your money back as well as for compensation. Find out more here....
Refunds for Online and Catalogue Purchases
How do you get a refund for something you bought from a company over the internet or ordered from a catalogue?...
Refunds from Door to Door Sellers
Have you bought something from a door to door seller and then changed your mind? Here's our advice on how to get a refund....
Refunds on Counterfeit Goods
We explain the difference between cheap imitations, fake goods and whether you're entitled to your money back....
Refunds on Property and Buildings
We explain your rights before purchase, after exchanging contracts, and after buying a property....
Refunds When you Pay by Credit Card
Do you need a refund for something you paid for on your credit card? We explain how to go about getting your money back....
Small Claims, County Court or Arbitration?
If you can't get a refund through other means, you can always take someone to small claims court to get your money back. Here are the options....
The Birthday Caterers from Hell: A Case Study
Vanessa's birthday party was destroyed by her caterers. Find out what she did to get a refund here....
The Second Hand Car: A Case Study
Every year Consumer Direct receives more complaints about cars than any other item. This case study highlights common issues that can arise during a purchase of a second hand car....
The Wrong Persian Rug: A Case Study
This case study concerns the difficulty with payments and issues with quality that can arise when buying goods from an international seller....
They Called Off Wedding: A Case Study
When a wedding was called off at the last minute, the bride's parents were faced with a huge bill and nothing to show for it! Find out what they did to mitigate their loss here....
Tips for Getting Your Refund
Want to give yourself the best chance of getting your money refunded on a purchase? Read our tips on consumer rights now!...
What to Do After Becoming a Victim of Fraud
What you should do in the event that you become a victim of credit or debit card fraud, how to be vigilant in ensuring that you do not leave yourself open to fraud, as well as how to minimise the risk...
Writing a Letter to Obtain a Refund
Do you need to write a letter to ask for a refund? If you're stuck for what to say here are some tips to get your money back....