When you buy someting between £100-£30,000 the card company has equal liability.

The first thing you should do is try to communicate with the seller and resolve the dispute. The website may also be able to help you resolve the problem. However, if you can't resolve it then you should contact the credit card company. When you buy an item between £100 and £30,000 using your credit card then under Section 75 of the Consumer Credit Act the card company has equal liability and you can get your money back from them. This would also apply if you buy a product from a company that goes bankrupt.

If your item cost less than £100 then you would need to recover your money through the Small Claims Court. More information about going to court can be found on the Citizens Advice Bureau website.

If the claim is against someone who is difficult to trace, or has no money, you may have to write the loss off to experience.

Last updated on April 4, 2008 by The E-Victims Organisation