If you have a problem with something you've bought with a credit card, you may want to take up the matter with your credit card provider rather than the retailer.
This could be because the retailer has refused to help, hasn't answered your letters or has gone bust.
Write to your credit provider with the date and full details of the transaction and the basis on which you're saying there has been a breach of contract or misrepresentation.
Also include what you want done about it - for example, if you want a refund.
Explain any contact you've had with the retailer about the matter. Give the creditor a reasonable time to respond, say, 14 days.
This means you'll be able to take your claim to the Financial Ombudsman.
Warn your credit card provider that if it does neither you'll refer your dispute to the Financial Ombudsman Service (FOS).
Going to the Financial Ombudsman is completely free and you only need complete a simple claim form.
If the Ombudsman agrees with your claim it can order the credit provider to compensate you (up to £100,000). If you're not happy with the Ombudsman's decision you are still free to go to court.
Court action should be used as a last resort only. And, where there is a recognised alternative means for dispute resolution - such as the FOS - you will need to use this first. Otherwise the judge may ask why you didn't use it.
You can go to court if you don't accept the final decision of the FOS. But you should consider very carefully the reasons it gave for finding against you and you should question whether a court is likely to reach a different decision.
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