Quite often we may think that we could be entitled to refunds on various items such as credit card charges or on a faulty purchase. When this kind of situation arises you often find that you are not aware of your rights and what you can and cannot ask for with regards to compensation or refunds. As a result of this you don't feel confident in approaching the card provider or the shop from which you made your purchase.

Making Refunds Easy

A very simple tip with regards to your purchases is to keep receipts for at least 12 months. You won't want them in your wallet or purse so have a designated place in the house such as a drawer or box, then if you find that an item is faulty at least you have proof of purchase and in sale months proof of exactly what you paid.

There are two reasons as to why we have included this tip:-

* You can prove which store you made your purchase
* You will be refunded what you actually paid

If you return an item which is clearly from a particular store due to it being faulty, but you don't have a receipt, the store will more than likely accept that the purchase was from them but will often only provide a refund for the price it is currently. This means that if a sale is now on you will receive less than the amount you originally paid if you do not have the receipt.

Here at Prudent Minds we are aware that often the general public do not know what exactly their rights are and due to this have set up guides with regards to various types of refunds. If you think of a topic which we haven't as yet mentioned, let us know and we will do our research and advise you of exactly what we find.

Sale of Goods Act

In general, when returning goods to a store, you are looking to access your rights under the Sale of Goods Act. The act says that goods should be as described, fit for purpose and of satisfactory quality, taking into account the price charged. The retailer who sold you the goods is the one responsible for the faulty goods. Don't be put off by the advisor saying that you will have to claim from the manufacturer, or that you will have to wait for a refund until they contact the manufacturer - this just isn't correct.

A good point to note under the Sale of Goods Act, is that it doesn't specify a time scale under which goods should be returned. So if a retailer says that it should have been rteurned within 7, 14 or any amount of days, this is incorrect. Each case is judged on its own merits. This is so that claims can be made for items that could reasonably be expected to last a certain amount of time. For example, a retailer may give you a 12 months warranty on a washing machine, and you could be forgiven for thinking that after that time, if it was irrepairable, then thats just "tough luck" - however, it could be argued that you would reasonably expect that a washing machine would last more than 12 months. Therefore you may have a good claim.

if the retailer refuses to refund your monies, or provide a replacement, you would have to make a claim through the small claims court

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Updated on 9th October, 2009

Puzzle Corner