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How 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.

How 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.

How 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.

How to Cancel Your PureGym Membership & Stop Payments

Learn how to effectively cancel your PureGym membership and stop recurring payments. Follow our step-by-step guide to avoid unwanted charges.

Claim 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.

Reclaim 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.

Reclaim car finance commission from Black Horse

Had a car finance deal with Black Horse before November 2024? Here is how to complain about hidden commission for free and claim under the FCA redress scheme.

Complain 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.

Reclaim 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.

Reclaim Overdraft Charges from Lloyds

Stuck in your Lloyds overdraft and paying interest you couldn't clear? You may be able to reclaim up to six years of charges. Here's the step-by-step process.

Reclaim Overdraft Fees from NatWest

Paying NatWest overdraft interest you could never clear? You may be owed a refund of up to six years of charges. Here's how to complain and escalate for free.

Am I owed a packaged bank account refund?

If you paid a monthly fee for a packaged bank account with perks you could not use or never wanted, you may be owed every penny back plus interest. Here is how to claim.

Reclaim 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.

Reclaim a Mis-Sold Doorstep / Provident Loan (Irresponsible Lending Refund)

Had home-collected loans from Provident or similar that you couldn't afford? You may be owed an interest and charges refund for irresponsible lending. Here's how.

Reclaim Mis-Sold Catalogue Credit (Very, Littlewoods Irresponsible Lending)

Given a catalogue credit limit from Very or Littlewoods you couldn't afford, or repeated limit increases? You may be owed interest and charges back. Here's how.

Reclaim a Mis-Sold Guarantor Loan (Irresponsible Lending Refund)

Took a guarantor loan you couldn't afford, or stood as a guarantor who had to pay? You may be owed an interest and charges refund for irresponsible lending. Here's how.

Claim train delay compensation with Delay Repay

Delayed on a UK train? Delay Repay pays back a percentage of your fare based on how late you arrived. Here's how to claim what you're owed.

Challenge your council tax band and reclaim overpayments

Think your council tax band is too high? You can ask for it to be reviewed and, if it's lowered, get a backdated refund. Here's how to check and challenge it.

Reject a faulty car from a dealer and get a refund

Bought a faulty car from a dealer? Under the Consumer Rights Act 2015 you may be able to reject it for a refund or demand a free repair. Here's how to claim.

Make a Section 75 claim for goods or services not provided

Paid by credit card for something you never received? Section 75 makes your card provider jointly liable. Here's how to claim your money back.

How 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.

How to Reclaim an Unfair Mortgage Early Repayment Charge

An early repayment charge must be a reasonable pre-estimate of your lender's costs. If yours looks excessive or was applied unfairly, here is how to challenge it and reclaim the money for free.

How to Challenge a Rejected Home Insurance Claim

Home insurers must treat claims fairly and cannot reject them on weak or unfair grounds. If your buildings or contents claim was declined, here is how to challenge it and escalate to the Financial Ombudsman for free.

How to Appeal a Rejected Travel Insurance Claim

Travel insurers must handle claims fairly and cannot decline them on unreasonable grounds. If your cancellation, medical, or baggage claim was rejected, here is how to appeal and escalate to the Financial Ombudsman for free.

Energy back-billing: refuse charges over 12 months old

If your gas or electricity supplier sends a surprise 'catch-up' bill for energy used more than 12 months ago, Ofgem's back-billing rule usually means you don't have to pay it. Here is how to refuse the charge and get any overpayment refunded.

Disputing a water bill overcharge and getting a refund

Charged too much for water or sewerage? Whether it's an estimated bill, a leak, the wrong tariff, or being charged for surface water drainage you don't have, here's how to dispute it through your water company, CCW and the binding WATRS scheme.

Broadband 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.

Reclaiming mobile roaming and out-of-bundle charges

Shocked by a roaming bill or out-of-bundle charges you didn't expect? If your provider failed to alert you when you started roaming, didn't offer a spend cap, or charged for inadvertent roaming, you may be able to get the charges refunded. Here's how.

How to Appeal a Private Parking Charge Notice (PCN) via POPLA

Got a Parking Charge Notice on private land? Here's how to appeal it for free to the operator and then to POPLA, and the rules operators must follow under the Protection of Freedoms Act 2012.

Mis-Sold GAP Insurance? How to Claim a Refund

GAP (Guaranteed Asset Protection) insurance sold alongside a car was frequently overpriced and poorly explained. Here's how to complain and reclaim your premium, plus how to escalate to the Financial Ombudsman.

Car Warranty Claim Rejected? Know Your Rights

If a dealer or warranty company has refused to fix a faulty car, your statutory rights under the Consumer Rights Act 2015 may still force a repair, replacement or refund, separate from any warranty's small print.

Insurer 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.

Am I owed money for mis-sold car finance?

If you took out car finance between 2007 and 2024, hidden commission may mean you were overcharged. Here is how the FCA redress scheme works and how to claim what you are owed.

How to tell if your overdraft charges were unfair

Heavy overdraft charges piled on top of money troubles can often be reclaimed. Here is how to tell if yours were unfair and how to ask your bank for a refund of the interest and fees.

What is a discretionary commission arrangement and can I claim?

A discretionary commission arrangement let your car finance broker raise your interest rate to earn more commission. Here is what it means and how to claim if you had one.

How to Check if a Payday Loan Was Mis-Sold (and Reclaim the Interest)

A clear UK guide to working out whether a payday loan was unaffordable, using FCA affordability rules and the free Financial Ombudsman Service.

Am 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.

How to Claim Against a Doorstep Lender

Reclaim interest and fees on unaffordable home credit and doorstep loans in the UK using FCA affordability rules and the free Financial Ombudsman Service.

Reclaiming on a High-Cost Short-Term Loan

How to reclaim interest and fees on an unaffordable high-cost short-term loan in the UK, using FCA affordability rules and the free Financial Ombudsman Service.

Reclaim Car Finance Commission from MotoNovo Finance

If you took out car finance with MotoNovo between 2007 and 2024, hidden or discretionary commission may mean you are owed money. Here is how to complain and get included in the FCA redress scheme, free, keeping every penny.

Reclaim Car Finance Commission from Close Brothers Motor Finance

Close Brothers was a lead party in the Supreme Court car finance case. If your dealer used Close Brothers and never told you about their commission, here is how to claim a refund through the FCA scheme for free.

Reclaim Car Finance Commission from Santander Consumer Finance

Santander has set aside hundreds of millions for car finance redress. If your dealer used Santander and hid their commission, here is how to claim a refund through the FCA scheme for free.

Reclaim Car Finance Commission from Moneybarn

Moneybarn says it never used discretionary commission, but some customers may still be owed money where high commission was hidden. Here is how to complain through the FCA scheme for free.

Reclaim 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.

Reclaim 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.

Reclaim interest and charges from a Capital One credit card

Capital One often starts customers on a low limit then raises it repeatedly. If those increases or the original card were unaffordable, you can reclaim the interest and charges yourself and keep all of it.

Reclaim a mis-sold or unaffordable store card refund

Store cards were often pushed at the till with high interest and barely any affordability checks. If yours was mis-sold or unaffordable, you can reclaim the interest and charges yourself and keep all of it.

Claim Back Mis-Sold Catalogue Credit From Studio

If Studio handed you a credit account or kept raising your limit without properly checking you could afford it, you can complain and claim back the interest and charges. Here is how to do it yourself and keep every penny.

Claim 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.

Get a Klarna Refund or Win a Dispute

Charged by Klarna for something you returned, never received, or that turned up faulty? Here is exactly how to pause the payments, report the problem, and get your money back without paying anyone.

Get a Clearpay Refund or Win a Dispute

Returned an order, never got your goods, or got the wrong refund amount through Clearpay? Here is how to pause your payments, raise a dispute, and recover your money yourself for free.

Reclaim 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.

Reclaim overdraft fees from Nationwide

How to claim back Nationwide overdraft interest and charges, including unaffordable borrowing, using the FCA overdraft rules and the free Financial Ombudsman Service.

Reclaim overdraft fees from First Direct

How to reclaim First Direct overdraft interest and charges, including unaffordable lending, using the FCA overdraft rules and the free Financial Ombudsman Service.

Reclaim overdraft fees from Virgin Money

How to claim back Virgin Money overdraft interest and charges, including unaffordable borrowing, using the FCA overdraft rules and the free Financial Ombudsman Service.

Reclaim money for a faulty used car from a dealer

Bought a used car from a dealer and it turned out faulty? Under the Consumer Rights Act 2015 you can demand a repair, replacement or refund. Here is how to get your money back.

Reclaim a deposit from a builder who never started work

Paid a builder a deposit and they never turned up or started the job? Here is how to get your deposit back under the Consumer Rights Act 2015.

Reclaim money for a holiday that was not as described

Your package holiday did not match what you booked? Under the Package Travel Regulations 2018 you can claim a price reduction and compensation. Here is how.

Reclaim a wedding deposit when a supplier cancels

A wedding supplier cancelled on you and is holding your deposit? Under the Consumer Rights Act 2015 you can get it back. Here is how to claim.

Reclaim an EE early termination charge

EE billed you an early termination charge to leave your contract early. If the charge was inflated, or EE never gave you the contract information it was required to, you can challenge it and get money back.

Cancel 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.

Reclaim 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.

Reclaim overpaid water charges

If your water company has been charging you for surface water drainage you don't use, or billing you on the wrong basis, you can reclaim years of overpayments.

How to appeal a Euro Car Parks charge

Euro Car Parks sent you a Parking Charge Notice. Here is how to appeal it properly, escalate free to POPLA, and stop paying a charge that often does not stand up.

How to appeal a ParkingEye charge

Got a ParkingEye Parking Charge Notice? Here is how to appeal it the right way, take it free to POPLA, and avoid paying a charge that may not be enforceable.

How to appeal an NCP parking charge

NCP issued you a Parking Charge Notice? Here is how to appeal it correctly, escalate free to POPLA, and challenge a charge that often does not hold up.

How to challenge a council PCN

A council issued you a Penalty Charge Notice for parking, a bus lane, or a moving traffic offence. Here is how to challenge it free and escalate to an independent tribunal.

How to challenge a rejected car insurance claim

Your car insurance claim was declined. Insurers have to treat claims fairly under FCA rules, and a free Financial Ombudsman route sits behind every decision. Here is how to push back and win.

How to challenge a rejected pet insurance claim

Pet insurers love the words 'pre-existing condition'. Often it is a stretch. Here is how to challenge a declined pet insurance claim using FCA rules and the free Financial Ombudsman.

How to reclaim a mis-sold payment protection style add-on

Bolt-on policies like payment cover, GAP, and protection add-ons were often sold to people who could never claim. If yours was mis-sold, you can reclaim what you paid plus interest. Here is how.

How to reclaim a rejected mobile phone insurance claim

Phone insurers reject loads of claims on technicalities about proof of use or 'unattended' devices. Many do not survive scrutiny. Here is how to challenge a declined phone insurance claim.

How 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.

How to Get a Refund from Amazon for 'Not As Described' Items

Bought an item from Amazon that wasn't as described? Learn your rights and how to get a full refund quickly and easily.

How 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.

How to Appeal a Private Parking Charge Notice

Got an unfair private parking charge? Learn your rights and follow our step-by-step guide to appeal and get your PCN cancelled in the UK.

How to Get Your Tenancy Deposit Back

Ensure your landlord returns your tenancy deposit promptly and fairly. Understand your rights and what to do if there's a dispute.

Ireland

4 guides

Reclaim a Flight Refund in Ireland

Cancelled flight from an Irish airport? Under EU Regulation 261/2004 your airline must refund you within 7 days. Here is how to claim it back in Ireland.

Faulty Goods Refund in Ireland

Bought something faulty in Ireland? The Consumer Rights Act 2022 gives you a refund, repair or replacement. Here is how to claim it back from the seller.

Dispute Bank Charges in Ireland

Hit with unfair or incorrect bank charges in Ireland? Complain to your bank, then escalate free to the Financial Services and Pensions Ombudsman.

Cancel a Subscription and Get a Refund in Ireland

Stuck in a subscription in Ireland? The Consumer Rights Act 2022 gives you a 14-day cooling-off period online and protection from unfair terms. Here is how to cancel and claim back.

EU-wide

16 guides

Claim EU261 compensation for a delayed flight

Flight delayed 3+ hours arriving at your destination? Under EU Regulation 261/2004 you may be owed EUR 250-600 in fixed cash compensation. Here is how to claim it yourself.

Flight cancelled: get a cash refund, not a voucher

Airline cancelled your flight and is pushing a voucher? Under EU Regulation 261/2004 you can demand a full cash refund within 7 days. Here is how to insist on it.

Refund for a cancelled or ruined package holiday (EU)

Package holiday cancelled or significantly changed? The EU Package Travel Directive gives you a full refund within 14 days plus insolvency protection. Here is how to claim.

Resolve a cross-border online purchase dispute (ECC-Net)

Bought online from a trader in another EU country and hit a problem? Use your EU consumer rights and ECC-Net to get a refund, repair or replacement for free.

Cancel an online EU order within 14 days and get a full refund

Bought something online from an EU trader and changed your mind? Use your EU 14-day right of withdrawal to cancel and get a full refund including standard delivery.

Get 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.

Refund 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.

Refund a subscription that kept charging after you cancelled in the EU

Cancelled an EU subscription but it kept taking payments? Use your cancellation evidence, PSD2 and chargeback rights to stop the charges and get refunded.

Denied Boarding Compensation in the EU (Regulation 261/2004)

Bumped off an overbooked flight against your will? Under EU Regulation 261/2004 you can claim up to €600 in fixed compensation, plus a refund or re-routing and care. Here is how to claim it yourself and keep every cent.

Downgraded Flight Refund (EU 261/2004, Article 10)

Paid for business or premium but seated in economy? Article 10 of EU Regulation 261/2004 entitles you to a reimbursement of 30%, 50% or 75% of your ticket price. Here is how to claim it yourself and keep 100%.

Lost or Delayed Baggage Compensation (Montreal Convention)

Bag lost, damaged or delayed on an international flight? The Montreal Convention makes the airline liable up to 1,519 SDR (around €1,700). Here is how to claim your actual losses yourself and keep 100%.

EU 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%.

Ryanair refund and compensation across the EU

How to claim a refund and EU261 compensation from Ryanair after a cancelled or delayed flight, directly and for free, keeping 100% of what you are owed.

Wizz Air refund and compensation

Claim a refund and EU261 compensation from Wizz Air after a delayed or cancelled flight, direct and free, and refuse the airline-credit fob-off.

Vueling refund and compensation

How to claim a refund and EU261 compensation from Vueling for a delayed or cancelled flight, filed directly through its online form so you keep 100 percent.

easyJet refund across the EU

Claim your refund and EU261 compensation from easyJet after a cancelled or delayed flight, filed directly through Manage Bookings and the EU261 form.

Spain · España

8 guides

Banking

Cómo reclamar comisiones bancarias abusivas o no informadas en España

Reclama comisiones bancarias que no te informaron, no aceptaste o no responden a un servicio real: del banco al Banco de España. Te quedas el 100%.

Cómo reclamar por un vuelo cancelado o retrasado en España

Vuelo cancelado o con gran retraso en España o la UE: reclama compensación y gastos según el Reglamento (CE) 261/2004 y AESA. Te quedas el 100%.

Cómo reclamar la devolución por un producto defectuoso en España

Producto defectuoso o que no funciona: exige reparación, sustitución, rebaja o devolución al vendedor según la garantía legal del RDL 1/2007. Te quedas el 100%.

Cómo reclamar gastos de hipoteca y la cláusula suelo en España

Reclama los gastos de constitución de tu hipoteca y lo cobrado de más por una cláusula suelo abusiva, del banco a la vía judicial. Te quedas el 100%.

Cómo reclamar una tarjeta revolving abusiva en España y recuperar tu dinero

Si tu tarjeta revolving tiene una TAE desorbitada o cláusulas poco transparentes, puedes anular el contrato por usura o por falta de transparencia y recuperar todo lo pagado por encima del capital prestado. Te explicamos cómo reclamar tú mismo, paso a paso, y quedarte con el 100%.

Cómo reclamar las comisiones de descubierto a tu banco en España

Si tu banco te ha cobrado comisiones por estar en números rojos, puede que sean indebidas. La ley limita lo que pueden cobrarte y prohíbe la comisión si no responde a un servicio real. Reclama tú mismo y recupera el 100%.

Cómo reclamar los gastos de cancelación de hipoteca a tu banco en España

Si tu banco te cargó gastos indebidos al cancelar tu hipoteca, o te repercutió gastos de constitución que por ley le correspondían, puedes reclamar su devolución tú mismo y quedarte con el 100%.

Cómo reclamar a Ryanair por un vuelo desde España (retraso o cancelación)

Si tu vuelo de Ryanair que salía de España se canceló o llegó con más de 3 horas de retraso, puedes reclamar una compensación de entre 250 y 600 euros según el Reglamento europeo 261/2004. Reclama tú mismo y conserva el 100%.

Portugal

4 guides

Como reclamar um voo cancelado em Portugal

Voo cancelado a partir de ou com destino a Portugal? Saiba como reclamar indemnização ao abrigo do Regulamento (CE) n.º 261/2004 e, se necessário, junto da ANAC.

Reclamar comissões bancárias em Portugal

O seu banco cobrou comissões que considera indevidas ou proibidas? Saiba como reclamar, invocar as regras do Banco de Portugal e recuperar o valor cobrado.

Devolução de produto com defeito em Portugal

Comprou um produto que avariou ou não funciona? Conheça a garantia legal de 3 anos em Portugal e como exigir reparação, substituição, redução do preço ou reembolso.

Reclamar uma cobrança indevida de serviços em Portugal

Foi-lhe cobrado um serviço que não contratou, já cancelou ou que está faturado a mais? Saiba como contestar a cobrança indevida e exigir a devolução em Portugal.

France

4 guides

Remboursement vol annulé ou retardé en France

Vol annulé ou retardé au départ ou à l'arrivée en France ? Réclamez votre indemnisation et remboursement au titre du règlement européen 261/2004. Guide pas à pas.

Litige bancaire et frais abusifs en France

Frais bancaires injustifiés, commissions d'intervention ou frais de rejet trop élevés en France ? Contestez-les auprès de votre banque puis du médiateur bancaire. Guide complet.

Produit défectueux : garantie légale de conformité en France

Produit en panne, défectueux ou non conforme acheté en France ? Faites jouer la garantie légale de conformité pour une réparation, un remplacement ou un remboursement. Guide.

Résilier un abonnement et obtenir un remboursement en France

Abonnement difficile à résilier, reconduction tacite non voulue ou prélèvements après résiliation en France ? Faites valoir vos droits et réclamez un remboursement. Guide.

Germany · Deutschland

8 guides

Flugverspätung Entschädigung in Deutschland (EU261) zurückfordern

Bei Flugverspätung ab 3 Stunden steht Ihnen nach EU-Verordnung 261/2004 oft eine Ausgleichszahlung von 250 bis 600 Euro zu. So fordern Sie Ihr Geld zurück.

Rückerstattung bei defektem Produkt - Gewährleistung durchsetzen

Ist ein gekauftes Produkt defekt oder mangelhaft, haben Sie zwei Jahre gesetzliche Gewährleistung gegenüber dem Händler. So fordern Sie Reparatur, Austausch oder Geld zurück.

Abo kündigen und Geld zurück in Deutschland

Online abgeschlossene Abos können Sie über den Kündigungsbutton und bei Neuabschluss per Widerruf beenden. So kündigen Sie richtig und fordern zu viel gezahltes Geld zurück.

Unberechtigte Bankgebühren zurückfordern in Deutschland

Banken dürfen Gebührenerhöhungen nicht durch Schweigen der Kunden durchsetzen. Zu Unrecht berechnete Entgelte können Sie unter Berufung auf BGH-Rechtsprechung zurückfordern.

Unzulässige Kontoführungsgebühren zurückfordern (BGH 2021)

Hat Ihre Bank die Kontoführungsgebühren per AGB-Änderung mit einer Zustimmungsfiktion erhöht? Nach dem BGH-Urteil vom 27.04.2021 (XI ZR 26/20) können Sie zu viel gezahlte Entgelte zurückfordern. So holen Sie Ihr Geld zurück.

Handyvertrag kündigen und Geld zurück in Deutschland

Mindestlaufzeit abgelaufen, Preiserhöhung oder schlechte Leistung? Nach dem Telekommunikationsgesetz (TKG) können Sie monatlich kündigen, bei einseitigen Vertragsänderungen sogar sofort – und zu viel gezahlte Beträge zurückfordern.

Verspätete oder ausbleibende Lieferung – Rückerstattung

Ihre Bestellung kommt nicht oder viel zu spät? Nach dem BGB können Sie eine Nachfrist setzen, vom Kaufvertrag zurücktreten und den vollen Kaufpreis zurückverlangen. So gehen Sie vor.

Überhöhte Nebenkostenabrechnung anfechten

Nachzahlung zu hoch, Posten unklar oder Abrechnung zu spät? Nach § 556 BGB haben Sie Einsichtsrecht in die Belege und können fehlerhaften Abrechnungen widersprechen. So holen Sie zu viel Gezahltes zurück.

United States

12 guides

Credit

Dispute a Credit Card Charge in the US (FCBA)

Wrong amount, double charge, or goods never arrived? The federal Fair Credit Billing Act lets you dispute credit card billing errors and withhold payment. Here's how.

Get a Refund for an Undelivered Online Order in the US

Paid for something online that never arrived? The FTC's Mail, Internet, or Telephone Order Rule entitles you to shipment on time or a prompt refund. Here's how to claim it.

Cancel 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.

Airline Refund for a Cancelled Flight in the US (DOT)

Airline cancelled your flight and you don't want to rebook? US DOT rules entitle you to a cash refund to your original payment method, not just a voucher. Here's how to get it.

Get Your Rental Security Deposit Back

Reclaim your full security deposit when your US landlord withholds it without proper itemization or beyond the legal deadline.

Dispute a Surprise Medical Bill (No Surprises Act)

Challenge an out-of-network surprise bill or balance bill using your federal protections under the No Surprises Act.

Refund Junk Fees and Hidden Charges

Get back surprise resort fees, hidden service charges, and other junk fees that were not disclosed in the advertised price.

Reclaim Bank NSF and Overdraft Fees

Get back non-sufficient funds (NSF) and overdraft fees, including surprise overdraft and multiple-fee charges your bank may have wrongly assessed.

How 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.

How 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.

How to Reclaim a Hotel Resort Fee in the US

Hit with a surprise resort fee that wasn't in the advertised price? Here is how to get it back using the FTC Junk Fees Rule and state pricing laws, keeping every cent.

How to Dispute a Duplicate Charge in the US

Charged twice for the same thing? Here is how to get the duplicate reversed using the Fair Credit Billing Act and your card issuer's dispute process, keeping all of it.

Global

4 guides

How 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.

How 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.

How to Get a Refund from Booking.com

Learn how to navigate Booking.com's refund process. Understand cancellation policies, dispute issues, and reclaim your money for unsatisfactory bookings.

How to get an Airbnb refund for problems or cancellations

Experiencing issues with your Airbnb stay or need to cancel? Learn your rights and the steps to claim a refund for unsatisfactory bookings.

UK / EU

4 guides

How 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.

How 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.

How to get a refund from Ryanair for a cancelled flight

Flight cancelled by Ryanair? Learn your rights under EU261/UK261 and get a full refund for your ticket. Don't settle for vouchers.

How to get a refund from easyJet for cancelled or delayed flights

Claim your easyJet refund for cancelled flights, significant delays, or booking issues. Understand your rights under EU261 and UK consumer law.

UK / US

1 guides

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How to stop a gym charging you after you cancelled

Gyms are notorious for ignoring cancellations and billing on. Here's how to stop the charges and reclaim what they took, with a letter that gets results.

Italy · Italia

4 guides

Rimborso volo cancellato o in ritardo in Italia

Come ottenere la compensazione e il rimborso per un volo cancellato, in ritardo o con imbarco negato, secondo il Regolamento (CE) 261/2004.

Reclamo per commissioni bancarie non dovute in Italia

Come contestare e farti rimborsare commissioni bancarie illegittime o non dovute tramite reclamo alla banca e ricorso all'Arbitro Bancario Finanziario (ABF).

Rimborso prodotto difettoso con garanzia legale in Italia

Come far valere la garanzia legale di conformita del Codice del Consumo per riparazione, sostituzione, riduzione del prezzo o rimborso di un prodotto difettoso.

Disdetta abbonamento e rimborso in Italia

Come disdire un abbonamento, esercitare il diritto di recesso e ottenere il rimborso delle somme non dovute secondo il Codice del Consumo.

Netherlands · Nederland

4 guides

Vergoeding bij vertraagde of geannuleerde vlucht in Nederland terugvorderen

Vlucht vertraagd of geannuleerd? Op grond van de Europese Verordening 261/2004 heb je vaak recht op een vaste compensatie van 250, 400 of 600 euro, los van je ticketprijs. Eis het zelf op en houd 100%.

Onterechte bankkosten terugvorderen in Nederland

Onterecht in rekening gebrachte bankkosten, een dubbele afschrijving of niet aangekondigde tariefsverhoging? Vorder het bedrag zelf terug van je bank via het Burgerlijk Wetboek en zonodig Kifid. Je houdt 100%.

Defect product terugbetaling in Nederland eisen

Een product dat kapotgaat of niet doet wat je mocht verwachten? De verkoper moet kosteloos herstellen, vervangen of je geld teruggeven op grond van het Burgerlijk Wetboek. Eis het zelf op en houd 100%.

Abonnement opzeggen en geld terug in Nederland

Een abonnement dat stilzwijgend is verlengd of dat je niet kwijt kunt? Door de Wet Van Dam mag je na het eerste jaar maandelijks opzeggen. Eis te veel betaald geld zelf terug en houd 100%.

Poland · Polska

4 guides

Zwrot i odszkodowanie za odwołany lub opóźniony lot w Polsce

Odzyskaj 250, 400 lub 600 EUR odszkodowania za odwołany lub opóźniony lot na podstawie rozporządzenia (WE) nr 261/2004. Napisz reklamację bezpośrednio do przewoźnika i zatrzymaj 100% kwoty.

Reklamacja zawyżonych lub błędnych opłat bankowych w Polsce

Odzyskaj nienależnie pobrane lub zawyżone opłaty bankowe. Złóż bezpłatną reklamację – bank ma 30 dni na odpowiedź, a milczenie oznacza uznanie Twojego roszczenia.

Zwrot za wadliwy produkt – rękojmia i niezgodność towaru z umową w Polsce

Reklamuj wadliwy towar u sprzedawcy. Żądaj naprawy, wymiany, obniżenia ceny lub zwrotu pieniędzy. Sprzedawca odpowiada 2 lata i musi odpowiedzieć w 14 dni.

Sankcja kredytu darmowego – odzyskanie kosztów kredytu konsumenckiego w Polsce

Jeśli umowa kredytu konsumenckiego zawiera błędy informacyjne, możesz skorzystać z sankcji kredytu darmowego i spłacić sam kapitał – bez odsetek, prowizji i innych kosztów.

Sweden · Sverige

4 guides

Ersättning för försenat eller inställt flyg i Sverige

Få upp till 600 euro i ersättning när ditt flyg är försenat eller inställt – så här kräver du pengarna direkt från flygbolaget enligt EU-förordning 261/2004.

Återbetalning för felaktig vara i Sverige

Köpt en vara som är trasig eller fel? Du har tre års reklamationsrätt enligt konsumentköplagen – så här kräver du reparation, byte eller pengarna tillbaka.

Bestrida felaktiga bankavgifter i Sverige

Drabbad av en felaktig avgift eller obehörig transaktion? Så här bestrider du den hos banken och får pengarna tillbaka enligt betaltjänstlagen.

Säga upp abonnemang och få pengar tillbaka i Sverige

Vill du säga upp ett abonnemang och få tillbaka pengar du betalat för mycket? Så här gör du – med max en månads uppsägningstid enligt lagen.

Belgium

4 guides