The reference · 108 guides · 9 markets
Your country, your rules.
Every country has its own machinery for getting your money back. Find yours below, know your rights, then let us write the claim, free, and you keep every penny.
United Kingdom
80 guidesHow to get a refund for a faulty product (even 'out of policy')
A 30-day store policy doesn't override your legal rights. Here's how to claim a repair, replacement or refund for faulty goods, with a letter that cites the law.
Read guide →BankingHow to reclaim overdraft interest with an affordability complaint
If your bank let you live in an expensive overdraft for years without checking you could afford it, you can reclaim the interest, plus 8% and a credit-file fix. Here's the complaint that does it.
Read guide →BankingHow to reclaim interest on a loan you couldn't afford
Given a loan, credit card or catalogue account you could never realistically repay? An irresponsible-lending complaint can refund the interest you paid, plus 8%. Here's how to make it.
Read guide →MotorClaim a refund for a mis-sold PCP car finance deal (discretionary commission)
Were you sold PCP car finance with a hidden discretionary commission? Here is how to complain for free and claim your share of the FCA motor finance redress scheme.
Read guide →MotorReclaim a refund on mis-sold hire purchase (HP) car finance
Hire purchase car finance with a hidden commission can be reclaimed. Learn how to complain to your lender for free under the FCA motor finance redress scheme.
Read guide →MotorComplain to Volkswagen Financial Services about car finance commission
Financed a car through Volkswagen Financial Services before Nov 2024? Learn how to complain about undisclosed commission for free under the FCA redress scheme.
Read guide →BankingReclaim Overdraft Fees from Barclays
Been hit with high Barclays overdraft interest while struggling financially? You may be owed a refund. Here's how to complain and reclaim up to six years of charges.
Read guide →CreditReclaim a Mis-Sold Payday Loan (Irresponsible Lending Refund)
Took payday loans you couldn't afford to repay? You may be owed a refund of interest and charges. Here's how to claim irresponsible lending against your lender.
Read guide →HousingHow to Claim Compensation for a Mis-Sold Mortgage
If your mortgage lender or broker gave you unsuitable advice, hid commission, or never checked you could afford it, you may be able to claim compensation. Here is how to complain and escalate to the Financial Ombudsman Service for free.
Read guide →SubscriptionsBroadband mid-contract price rise: how to exit or claim
Your broadband, phone or pay-TV price just went up mid-contract. Depending on when you signed up, you may have the right to leave penalty-free, or the rise may be capped by Ofcom's rules. Here's how to check and act.
Read guide →InsuranceInsurer Undervalued Your Written-Off Car? How to Challenge It
If your insurer's total-loss payout for a written-off car is too low, you can challenge it. Here's how to evidence the real market value and escalate to the Financial Ombudsman if they won't budge.
Read guide →CreditAm I Owed a Refund on a Guarantor Loan?
Find out whether you can reclaim interest and fees on an unaffordable guarantor loan in the UK, as the borrower or the guarantor, through the free Financial Ombudsman Service.
Read guide →CreditReclaim interest and charges from a Vanquis credit card
Vanquis is a subprime lender, so if it gave you a card or a credit limit increase you couldn't realistically afford, you can complain for an unaffordable lending refund. Here's exactly how to do it yourself and keep every penny.
Read guide →CreditReclaim interest and charges from an Aqua credit card
Aqua is a credit-builder card aimed at people with poor credit. If it lent to you when you couldn't afford it, or hiked your limit while you struggled, you can claim a refund of interest and charges yourself, free.
Read guide →CreditClaim Back Mis-Sold Catalogue Credit From JD Williams
JD Williams gave a lot of customers credit accounts and rising limits without checking they could really afford them. If that happened to you, here is how to complain and claim back the interest and charges yourself.
Read guide →BankingReclaim overdraft fees from Monzo
How to get a refund of Monzo overdraft interest and fees, including unaffordable or unfairly charged borrowing, using the FCA rules and the free Financial Ombudsman Service.
Read guide →SubscriptionsCancel or reclaim a Sky broadband mid-contract price rise
Sky pushed up your broadband price mid-contract. Depending on when you signed, you may be able to walk away penalty-free or challenge a rise that wasn't properly notified.
Read guide →BillsReclaim credit left on a closed energy account
Switched supplier or moved home and left money sitting in an old energy account? Suppliers are holding hundreds of millions in unclaimed credit. Here's how to get yours back.
Read guide →ShoppingHow to get a refund from Ticketmaster for a cancelled event
Event cancelled by Ticketmaster? Learn your rights and how to claim a full refund for tickets, including booking fees, quickly and easily.
Read guide →BillsHow to Dispute a Vodafone Bill and Get a Refund
Dispute an incorrect Vodafone bill, understand your rights, and get your money back. Follow our step-by-step guide for a successful refund.
Read guide →ShoppingHow to dispute a transaction with Monzo
Dispute a Monzo debit card transaction for faulty items, services not received, or scams. Learn how to use Monzo's in-app dispute process to get your money back.
Read guide →BillsGet a Refund for Unauthorised Starling Bank Transactions
Discover how to reclaim money from Starling Bank for payments you didn't authorise. Understand your rights and follow our simple steps to get your money back.
Read guide →BillsReclaim unfair Lloyds overdraft fees
Learn how to challenge and reclaim unfair overdraft charges from Lloyds Bank. Get your money back with our step-by-step guide.
Read guide →BillsReclaim NatWest Overdraft Fees
Learn how to reclaim unfair or mis-sold overdraft fees from NatWest. Get your money back with our step-by-step guide.
Read guide →ShoppingHow to get a refund for a Clearpay purchase
Learn how to get your money back for items bought using Clearpay. Understand your rights and the steps to a successful refund.
Read guide →BillsHow to Dispute an EE Bill & Get Money Back
Unsure about an EE bill charge? Learn how to dispute it effectively, understand your rights, and get your money back for incorrect charges.
Read guide →ShoppingHow to Get a Refund from Klarna
Learn how to get your money back when you've paid with Klarna. Understand the process and your rights for a smooth refund experience.
Read guide →SubscriptionsHow to cancel Sky and get a refund
Cancel your Sky contract and claim a refund for unused services. Understand your rights and follow our step-by-step guide to get your money back.
Read guide →BillsHow to Get a Refund from Octopus Energy
Claim a refund from Octopus Energy if you're in credit. Understand your rights and follow our steps to get your money back quickly.
Read guide →BillsClaiming an Overpayment Refund from EDF Energy
Overpaid your EDF Energy bill? Learn how to claim back your money quickly and easily. This guide explains your rights and steps to get your refund.
Read guide →BillsGet a Refund From Virgin Media After Cancelling
Cancelled Virgin Media but still owed money? Learn how to claim your refund for overpayments or unreturned deposits quickly and effectively.
Read guide →BillsClaim Your Credit Refund from Ovo Energy
Is Ovo Energy holding onto your money? Learn how to claim back overpayments or credit balances on your account. Get your refund quickly and easily.
Read guide →ShoppingHow to get a refund from ASOS for a missing return
ASOS hasn't refunded your return? Learn your rights and follow our step-by-step guide to reclaim your money for items they received but failed to process.
Read guide →ShoppingCurrys refusing a refund? Your rights beat their policy
Faulty item and Currys points at the manufacturer or a 30-day window? The Consumer Rights Act covers you for up to 6 years. How to make them honour it.
Read guide →ShoppingHow to get a refund from JD Sports
Bought something from JD Sports that's faulty, not as described, or you've changed your mind? Learn your rights and how to get your money back.
Read guide →ShoppingHow to get a refund from Very and close your credit account
Learn how to secure a refund for your Very purchase and effectively close your associated credit account, ensuring a clean break.
Read guide →TravelHow to Get a Refund from Jet2holidays
Claim a refund from Jet2holidays for cancelled trips, significant changes, or holiday issues. Understand your rights and get your money back.
Read guide →ShoppingHow to Get Compensation from Evri for a Lost Parcel
Parcel lost by Evri? Learn your rights and how to claim compensation effectively. Get your money back for missing deliveries.
Read guide →ShoppingHow to claim compensation for a lost Royal Mail item
Lost a parcel with Royal Mail? Learn how to claim compensation for your item and postage costs. Get your money back with our easy guide.
Read guide →ShoppingJust Eat order never arrived? Get a full refund, not credit
Just Eat offering account credit, or nothing at all? You are entitled to your money back for food that never came. The steps and the exact wording to use.
Read guide →ShoppingDeliveroo refund refused? Get your money back anyway
Deliveroo says you are 'not eligible' for a refund on a missing order? Consumer law and chargeback beat their policy. Here is exactly how to use them.
Read guide →ShoppingRefund from Just Eat for wrong or cold food
Ordered from Just Eat and got the wrong food or it arrived cold? Learn how to get your money back quickly and easily.
Read guide →BillsCancel Sky TV/Broadband & Dispute Charges
Learn how to cancel your Sky TV or broadband contract and dispute unfair charges. Get your money back with our step-by-step guide.
Read guide →TravelClaim Trainline refunds & UK train delay compensation
Get money back for unused Trainline tickets or compensation for delayed UK train journeys. Learn your rights and how to claim easily.
Read guide →SubscriptionsRefund from Gym After Injury or Relocation
Injured or moved? Learn how to get a refund from your gym membership. Understand your rights and follow our steps for a successful claim.
Read guide →ShoppingClaim a Refund for Substandard Dental or Clinic Treatment
Received poor dental or private clinic treatment? Learn your rights under the Consumer Rights Act 2015 and get a refund for substandard services.
Read guide →BillsHow to get a refund from Chase UK for unauthorised transactions
Discovered an unauthorised transaction on your Chase UK account? Learn how to report it, protect your money, and get a full refund quickly.
Read guide →BillsHow to get a refund from Metro Bank
Dispute a transaction or get a refund from Metro Bank. Learn your rights and follow our steps to reclaim your money.
Read guide →BillsHow to dispute a Frasers Plus credit account charge
Dispute an incorrect or unauthorised charge on your Frasers Plus credit account. Learn your rights and steps to reclaim your money effectively.
Read guide →BillsGet a Refund from Plusnet for Internet Outages
Plusnet internet outage? Learn how to claim compensation for service loss. Reclaim your money for disrupted broadband and phone services.
Read guide →BillsHow to dispute a TalkTalk bill and get your money back
Learn how to challenge unfair TalkTalk charges. Get a refund for incorrect bills, poor service, or unexpected fees with our step-by-step guide.
Read guide →BillsCancel Vodafone Broadband Early Without Fees
Learn how to cancel your Vodafone broadband contract early without penalty. Understand your rights regarding mid-contract price rises and poor service.
Read guide →BillsHow to Get a Refund from Scottish Power
Overpaid your Scottish Power bill or have a credit balance? Learn your rights and the steps to reclaim your money quickly and efficiently.
Read guide →BillsHow to get a refund from So Energy
Overpaid your So Energy bill? Learn your rights and follow our steps to reclaim your credit balance quickly and easily. Don't let them hold onto your money.
Read guide →BillsHow to get a refund from Severn Trent for a billing error
Discovered a Severn Trent billing error? Learn how to challenge it, get your account corrected, and secure a refund for overpayments. Act now.
Read guide →ShoppingHow to get a refund for a faulty AO.com appliance
Bought a faulty appliance from AO.com? Discover your consumer rights and follow our step-by-step guide to secure a full refund or replacement.
Read guide →ShoppingM&S return not refunded? Get your money back
Returned an item to Marks and Spencer but haven't received your refund? Learn how to claim your money back quickly and effectively.
Read guide →ShoppingZara Return Not Refunded? Get Your Money Back
Returned an item to Zara but haven't seen your refund? Learn how to chase your money, understand your rights, and get paid back for your purchase.
Read guide →ShoppingHow to Get a Refund From H&M
Bought something from H&M that's faulty or not as described? Learn your consumer rights and follow our step-by-step guide to get your money back.
Read guide →ShoppingRefund from IKEA for Faulty or Missing Items
Bought something faulty or missing from IKEA? Learn how to get your money back for defective goods or incomplete orders. Get a refund today.
Read guide →ShoppingHow to get a refund for faulty Nike items
Received a faulty Nike product? Learn your rights under UK consumer law and get a refund or replacement for defective goods.
Read guide →TravelNational Express: Claim a Refund for a Cancelled Coach
Coach cancelled by National Express? Learn how to claim a full refund or rebooking quickly and easily. Know your rights for disrupted travel.
Read guide →TravelPremier Inn Refund: Cancelled Stay
Get a refund from Premier Inn for a cancelled stay. Understand your rights and the steps to take if your booking was cancelled by them or you cancelled within policy.
Read guide →TravelHow to get a refund from Travelodge
Had a problem with your Travelodge stay or need to cancel? Learn your rights and how to claim a refund for services not as described or cancelled bookings.
Read guide →TravelHow to get a refund from Love Holidays for a cancelled booking
Love Holidays cancelled your trip? Learn your rights and follow our step-by-step guide to claim a full refund for your booking.
Read guide →TravelCenter Parcs: How to Get a Refund for a Cancelled Break
Center Parcs cancelled your holiday? Understand your consumer rights and follow our step-by-step guide to claim a full refund for your booking.
Read guide →ShoppingGet Compensation From Parcelforce For Lost Parcel
Parcel lost by Parcelforce? Learn how to claim compensation for your lost item, understand your rights, and get your money back.
Read guide →ShoppingHow to get a refund from UPS for a lost or damaged parcel
Parcel lost or damaged by UPS? Learn your rights and follow our step-by-step guide to claim a refund for the item and shipping costs.
Read guide →ShoppingHow to get a refund from Domino's for a wrong order
Ordered Domino's and got the wrong food? Find out how to claim a refund or replacement quickly and easily for your incorrect order.
Read guide →SubscriptionsCancel HelloFresh and reclaim an unfair charge
Unsubscribe from HelloFresh and get your money back for services you didn't receive or were faulty. Follow our step-by-step guide to claim a refund.
Read guide →BillsHow to get a refund from Aviva for a mis-sold or cancelled policy
Claim a refund from Aviva if your insurance policy was mis-sold or cancelled. Understand your rights and get your money back.
Read guide →SubscriptionsCancel Nuffield Health membership, reclaim fees
Learn how to cancel your Nuffield Health membership and reclaim unfair charges. Understand your rights and get your money back.
Read guide →SubscriptionsCancel The Gym Group Membership & Stop Payments
Learn how to cancel your The Gym Group membership, understand your rights, and stop recurring payments effectively. Get your money back if charged unfairly.
Read guide →SubscriptionsCancel Virgin Active membership, stop payments
Stop paying for your Virgin Active membership. Learn your rights, follow our simple steps, and reclaim control of your finances today.
Read guide →BillsAppeal a Parking Fine to the Tribunal
Challenged a PCN but it was rejected? Learn how to appeal your council parking fine to an independent tribunal for a fair review.
Read guide →BillsHow to Claim a DVLA Car Tax Refund
Sold your car or declared it SORN? Learn how to easily claim a refund for unused DVLA vehicle tax. Get your money back quickly and efficiently.
Read guide →BillsHow to Cancel a ParkingEye Parking Charge
Received a ParkingEye PCN? Learn your rights and follow our step-by-step guide to appeal and get your parking charge cancelled. Act fast!
Read guide →ShoppingGet a Refund from Your Wedding Photographer
Wedding photos not delivered? Learn how to get your money back from a photographer who failed to provide the agreed-upon service.
Read guide →ShoppingRefund for Poor Private Dental Treatment
Received poor dental treatment from a private clinic? Learn how to claim a refund or compensation for substandard work under UK consumer law.
Read guide →ShoppingGet a Refund from Your Vet for Poor Care or Overcharging
Was your vet bill too high or treatment inadequate? Learn how to challenge charges and get a refund for poor service or overcharging from your vet in the UK.
Read guide →Ireland
1 guidesEU-wide
4 guidesGet a refund after a free trial auto-charged you in the EU
A free trial quietly rolled into a paid subscription and charged your card? Use your EU consumer rights and chargeback to cancel and claim the money back.
Read guide →BankingRefund a duplicate or unauthorised card charge in the EU
Charged twice, or for something you never authorised in the EU? Use PSD2 unauthorised-transaction rights and chargeback to get your money back fast.
Read guide →SubscriptionsCancelled but still being charged? Get every payment back
A subscription that keeps billing after you cancel is taking money without consent. Use PSD2 and chargeback rights to stop it and reclaim every payment.
Read guide →TravelEU Train Delay Compensation Rights (Regulation 2021/782)
Train delayed in the EU? Under the Rail Passengers' Rights Regulation you can claim 25% of your fare for delays of 60+ minutes and 50% for 120+ minutes. Here is how to claim it yourself and keep 100%.
Read guide →United States
3 guidesCancel a Gym Membership and Stop Charges in the US
Gym still billing you after you tried to quit? Use state health-club cancellation laws and card or ACH disputes to cancel cleanly and stop recurring charges.
Read guide →BankingHow to Dispute a Bank Overdraft Fee in the US
Charged an overdraft fee you think is wrong? Here is how to push back using Regulation E, the CFPB, and a plain refund request, and keep every dollar yourself.
Read guide →SubscriptionsHow to Get a Subscription Refund After a Free Trial in the US
Got charged when a free trial auto-renewed? Here is how to claw the money back from the company or your card issuer, using ROSCA, the FTC Act, and state auto-renewal laws.
Read guide →Global
12 guidesHow to get a refund when a hotel double-charged you
Charged twice for one hotel booking? Here's exactly how to get the duplicate charge reversed fast, with a firm letter and a chargeback fallback.
Read guide →SubscriptionsHow to get a refund after a free trial charged you
Forgot to cancel a free trial and got charged? You have a strong case for a refund. Here's the message that gets it back, and how to stop future bills.
Read guide →BillsRevolut dispute rejected? How to still get your money back
Revolut rejected your dispute or is sitting on it? Chargeback rules and the Financial Ombudsman still apply. Here are the steps and a ready-to-send letter.
Read guide →ShoppingHow to Get a Refund from Shein for a Lost Order
Ordered from Shein but your parcel never arrived? Learn how to claim a full refund for items not received. Get your money back today.
Read guide →TravelHow to Get a Refund from Uber for a Bad Ride or Wrong Charge
Experiencing issues with an Uber ride or an incorrect charge? Learn how to claim a refund for unsatisfactory service, wrong routes, or billing errors.
Read guide →ShoppingHow to get a refund from PayPal for an item not received
Item not arrived? Use PayPal Buyer Protection to claim your money back for purchases that never turned up. Follow these steps for a successful refund.
Read guide →SubscriptionsCharged by Disney Plus after cancelling? Get your money back.
Was Disney Plus charged after you cancelled? Learn how to dispute the charge, get a refund, and ensure no further payments are taken. Reclaim your money.
Read guide →BillsHow to get a refund from Wise for a failed transfer
Money stuck with Wise after a transfer failed? Learn your rights and follow our steps to reclaim your funds quickly and efficiently.
Read guide →ShoppingHow to get a refund from eBay for 'item not as described'
Received an item from eBay that wasn't as described? Learn how to use eBay's Money Back Guarantee to get your money back quickly and easily.
Read guide →ShoppingHow to get a refund from Etsy for an item not received
Item never arrived from Etsy? Learn how to claim a full refund through Etsy's buyer protection program and your payment provider if needed.
Read guide →SubscriptionsRefund LinkedIn Premium after cancellation
Cancelled LinkedIn Premium but still charged? Learn how to get your money back for unwanted subscription fees. Follow these steps to secure your refund.
Read guide →ShoppingLost DHL Parcel? Get Your Compensation Back
Parcel lost by DHL? Learn your rights and follow our step-by-step guide to claim compensation for your missing delivery. Start your claim today.
Read guide →UK / EU
5 guidesHow to get a refund for a cancelled or delayed flight
Airlines push vouchers when you're owed cash. Here's how to claim the full refund and compensation you're legally entitled to, with a ready-to-send letter.
Read guide →ShoppingHow to get a refund when your order never arrived
Parcel never came but the seller says 'it's marked delivered'? The seller, not you, carries the risk. Here's how to claim your refund.
Read guide →TravelClaim compensation for a delayed British Airways flight
Was your British Airways flight delayed? Find out how to claim compensation under UK261/EU261 and get the money you're owed. Start your claim today.
Read guide →TravelHow to get a refund from P&O for a cancelled ferry
Learn your rights and how to claim a full refund from P&O Ferries if your ferry crossing was cancelled, citing EU Regulation 1177/2010.
Read guide →TravelHow to Get a Refund from Lastminute.com
Claim your money back from Lastminute.com for cancelled flights, hotels, or holiday packages. Understand your consumer rights and follow our step-by-step guide.
Read guide →