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A&Q; The People's consumer Champion.

Byline: with Dean Dunham

Q WHEN I made a chargeback claim to my debit card provider 104 days after the purchase, I had a problem. They asked me three questions. After I replied, they rejected the claim saying my response fell outside of 120 days from the date of purchase. Can they do this? Paul Hastings

A CHARGEBACK claims must be made within 120 days of the date of purchase but this means you must 'lodge' your claim within this period, which you did. It's irrelevant that you responded to the card provider's additional questions after this date.

Q I BOUGHT my son a laptop from PC World but when I got it home he said it was the wrong model. I took it back and explained I'd made a mistake. They agreed to exchange it but they did not sell the model he wanted. I asked for a refund but they refused. Sheila Watson

A WHEN goods are bought in store, consumers have no right to a refund unless the goods are faulty. This means you are not entitled to a refund.

Q I HAD a car accident and was found to be slightly over the drink drive limit. When I claimed on my car insurance the insurer refused to pay out, claiming that my policy was void due to my alcohol level. I was never told they can do this? Robert Gosport

A INSURERS will normally use any excuse to wriggle out of a claim. This is a common example of when insurers are generally entitled to void your policy.

Q I'M thinking about buying some ready-made curtains online. It's hard to see if they will suit my living room so if I change my mind, can I return them and how long will I have to do this? Candy Reeves

A UNDER the Consumer Contracts Regulations, if you change your mind about online goods that are not bespoke or perishable, you can ask for a refund within 14 days of delivery.

Listen to Dean on his radio show on LBC Radio every Sunday 8pm-9pm. answering listeners questions. See more about the RETAILADR at or follow Dean on @deandunham

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Title Annotation:Features
Author:with Dean Dunham
Publication:The People (London, England)
Date:Feb 9, 2020
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