Have you made an online purchase that you later realised was a mistake (as happened to me recently)? These actions should be taken:
Contact your Bank or Building Society – Request that they halt the payment. Ask them if you can file a dispute against it if not. Inform them that you do not wish to have any more payments deducted from your account by the supplier.
Get in touch with the seller. It is preferable to use email or another form of written communication, so you have a permanent record of your exchange for future use. Voice your concerns and ask for a reimbursement of the money you paid. Explain why you are requesting it. Additionally, to ask for any active subscriptions to be cancelled.
If the seller does not reply, or rejects it, you can return to your bank. Inform them about the situation. This will strengthen your case to dispute the payment.
There is NO guarantee of a refund from the bank or seller. This applies even if they had offered a ‘Money Back Guarantee’. Yet, taking the above steps will at least ensure that it will be a one-off. The supplier will not be able to take any further amounts of money from that account.
It’s a good idea to check before buying online whether they are a UK, EU or US seller. Ideally, choose a UK seller for ease of contact as they will often offer a phone number you can call. Verify that they provide prompt after-sales support to resolve any queries you may have.
Even so, consider your options carefully before clicking “Buy Now”. Completing the purchase can lead to ongoing agreements with suppliers. Many suppliers now have ongoing agreements rather than one-time purchases.
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