Your card provider will contact you if there's a challenge. The trader can challenge your refund, even if you've already had the money back. If you’re successful, your card provider will refund the money to either your card or bank account. If he bought the washing machine with a credit card, he could instead try using Section 75 - he would probably get back more money. He can ask to use chargeback to get back the £50 he paid by card. He paid £50 deposit by card and £200 by cash. Hercules bought a faulty washing machine for £250. The cost of repairing any damage caused by a faulty item or a service Money to make up for poor quality, or for the trader misleading you The full amount you paid, or the cost of repairing the item if it's faulty When you write to them, you should ask for: If you have a joint credit card, the main card holder should contact the card provider. You can find their contact details on their website. Your card provider is the company that sends you your statements. Tell your card provider you want to make a Section 75 claim. If your card provider won't let you use Section 75, ask for chargeback instead. You can ask your card provider to use Section 75, but they might say no. wallets like PayPal, where you put money in an account then use that account to buy things.a website like GroupOn, where you buy a voucher to use with other companies.a marketplace like Amazon or eBay, where you use one company's website to buy from other companies.For example, you might have bought it through: You can't usually use Section 75 if you bought something through a third party rather than directly from the trader. If you didn't buy directly from the trader He can claim the full £250 cost, not just the £50 he paid by credit card. He paid £50 deposit by credit card and £200 by cash. If you can’t get through to the retailer, you should check the terms and conditions of your Buy Now Pay Later provider to see if they can help. If you paid through Buy Now Pay Later, you can still ask for chargeback but your credit or debit card provider might not agree to do it. Paid with a credit card and you can't use Section 75 You should ask for your money back using 'chargeback' if you: ![]()
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