Retail & credit disputes
When a shop, online seller or service provider takes your money and doesn't deliver — or a purchase you paid for on a credit card falls apart — UK consumer law is firmly on your side. ConsumerSuit helps you use it.
Problems we can help with
- A service done badly — work that wasn't as promised, careless, or left unfinished.
- Refused refunds — a retailer or trader won't put things right or return your money.
- A supplier who failed or went bust — you paid but never received what you bought, or the company disappeared.
- Misleading sales and subscription traps — you were misled, or locked into charges you never agreed to.
The law behind it
The Consumer Rights Act 2015 requires that services are carried out with reasonable care and skill, and that anything you buy matches its description and is fit for purpose. If you paid on a credit card, Section 75 of the Consumer Credit Act 1974 makes your card provider equally liable with the seller for a breach of contract or misrepresentation — a powerful route when the seller won't pay or has vanished.
Who you escalate to
The right route is usually the Citizens Advice consumer service, Trading Standards for a trader acting unlawfully, your card provider for a Section 75 or chargeback claim, and the small claims track (Money Claim Online) if it isn't resolved.
How ConsumerSuit helps
- Identifies which right applies — Consumer Rights Act, Section 75, or chargeback — and how strong your case is.
- Drafts your complaint or refund demand, and a Section 75 claim to your card provider where it fits.
- Shows the escalation route and prepares the small-claims paperwork if it comes to that.