Consumer Rights & Protection

Goods must be of satisfactory quality, fit for purpose and as described. If not, you have a 30-day right to reject for a full refund; after that, the seller gets one chance to repair or replace. Services must be done with reasonable care.

Pay by credit card for something over £100 and up to £30,000 and the card provider is jointly liable with the seller if things go wrong — even on a deposit, even abroad, even if the firm collapses.

A card-scheme process (not a law) covering debit cards or purchases under £100, usually within around 120 days. It's weaker than Section 75, but still useful.

Buy Now Pay Later is interest-free if you pay on time, but missed payments bring fees and can hit your credit file, it's easy to over-commit across several apps, and it carries no Section 75 protection.

Complain in writing; the firm has 8 weeks; then escalate free to the Financial Ombudsman Service, which often upholds claims that banks first refuse.