Credit Cards

If you paid by credit card:

Under English law, if you buy something by credit card, in effect the credit card company is buying it for you, and you then pay the credit card company back. The goods are not legally yours until you have paid the credit card company in full. This means that the credit card company is liable for the provision of the goods and services. So if they are not received, the credit card company must refund your money. However, it is expected that you would have taken reasonable steps to recover the money/goods yourself beforehand. Don't be fobbed off if the credit card company gives you grief, go back to step one and start the process again.