No refund just credit note, but wasn't warned about this

mrsmortgage

Bought something on Saturday. Independent shop..no warning of no refunds, no receipt (just card terminal one). Got in touch today saying I wanted to return one of the items and been told I'll only get a credit note. As this was misleading, can HSBC help?

born_again

In store?
Reason for return?

Penguin_

Was it returned because you changed your mind?

mrsmortgage

Penguin_ said:

Was it returned because you changed your mind?

Yes that's right. 

Bradden

I don't beleive they are obliged to accept returns except for your statutory rights to reject.

If it's just a change of mind I'd accept it.. they could just refuse to take it back.

Jenni_D

In which case there's no automatic right of return of an instore purchase for change of mind - ever. Some companies may add this as a term of contract, but the default position is that there are no returns for change of mind. Therefore the shop can offer you a credit note, or tell you to go away.

tl;dr - you have no claim

mrsmortgage

But had I known there were no refunds, I probably wouldn't have bought it, and was never warned about it. And there's no receipt with the terms and conditions

Jenni_D

mrsmortgage said:

But had I known there were no refunds, I probably wouldn't have bought it, and was never warned about it. And there's no receipt with the terms and conditions

We posted at the same time ... you should have known that, as that is the default position in law. They didn't need to explain this in their T&Cs. (Too many people believe the old M&S returns policy is the position in law - it isn't).

Aylesbury_Duck

As above, if it was an in-store purchase and their policy for a change of mind return is vouchers/credit, then that's the position and your card company won't be able to help.  The shop isn't detracting from your statutory consumer rights and they haven't misled you.

If their policy allows a change of mind return and they didn't make clear you would get credit, then that's misleading by omission, but it sounds like they've not done that.

born_again

mrsmortgage said:

But had I known there were no refunds, I probably wouldn't have bought it, and was never warned about it. And there's no receipt with the terms and conditions

If there is nothing showing on polices, did you not think to ask?

mrsmortgage

Aylesbury_Duck said:

As above, if it was an in-store purchase and their policy for a change of mind return is vouchers/credit, then that's the position and your card company won't be able to help.  The shop isn't detracting from your statutory consumer rights and they haven't misled you.

If their policy allows a change of mind return and they didn't make clear you would get credit, then that's misleading by omission, but it sounds like they've not done that.

Well actually that's what happened. So she did say "I'll put the price here in case there's any issue" so she made it clear there was a change of mind, but never clarified it would be store credit.