Refund to the card when returning the goods: terms, description of the procedure, recommendations

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Over the past few years, there has been a fairly steady trend around the world to increase the number of people who prefer to pay for their small and large purchases by bank transfer. Therefore, it is not surprising that many modern consumers are interested in how and in what terms the money is returned to the card when returning the goods. After reading this article, you will learn about the main nuances of this procedure.

Consumer rights

Those who want to understand how a refund is made for goods paid for with a bank card should know what rights the buyer has. Provisions for this procedure are enshrined at the legislative level. They are regulated by the Consumer Protection Act. These regulatory documents describe in detail the procedure for returning goods and money spent on them.

In cases where the case concerns products that have some defects that the seller did not notify the buyer, the latter has the right to demand a refund of the amount spent, free removal of defects, reimbursement of the cost of restoring the product, a significant reduction in the sale price or replacement for another equivalent product.

Poor quality

Before you demand a refund to the card when returning the goods, it is imperative to figure out what exactly can be regarded as a marriage. Almost every day we make small and large purchases. And sometimes the consumer does not have the opportunity to immediately check the quality of the product. Having found defects, the buyer has every reason to go to the store and return the defective item. Under the circumstances, the seller must refund the full price.

It must be remembered that a refund for goods purchased with a card is made on the basis of its non-compliance with the requirements prescribed in officially valid GOSTs. Also, the consumer can return to the store an item that does not satisfy him with its configuration, color, size or shape.

Refund period for goods on the card

Everything is important to do on time. For example, if the consumer returns the product within the first fourteen days after its purchase, it will be much easier for him to deal with the seller. According to the current legislation, before the expiration of this period, you can return not onlya defective item, but also one that was purchased in good condition. A person who is not satisfied with something can demand their funds back. To do this, he needs to write an official complaint addressed to the store manager. It should contain an accurate description of the problem. After that, the seller is obliged to return the purchase price within three days. In addition, defective products may be returned to the seller during the entire warranty period.

Those who want to understand how to demand a refund on the card when returning goods, it will be interesting to know that the manufacturer has the right not to refund the cost of a defective item, but to take it for repair. This is especially true in cases where the warranty period has expired. Money can be demanded only when the manufacturer does not fit within the twenty-day period provided for by law.

How to recognize low-quality products?

Those who care about how the money is returned to the card after the return of the goods should understand that for this you will have to comply with several mandatory conditions. One of them is the presence of defects that allow you to require that the product be accepted back to the store for the claim you wrote.

The seller is obliged to exchange the item or refund its full price, subject to availability:

• manufacturing defects;
• deficiencies resulting from the transportation of products to the place of its implementation;
• actual discrepancythe appearance of the goods and its configuration to the exhibited sample;
• incorrect product specification.

Also, the presence of mechanical damage that does not allow using the full functionality of the product may serve as the basis for a refund.

What requirements must a returned item meet?

Each customer has the right to request that the store take back the previously purchased item that:

• not seen in operation;
• retained proper presentation;
• has all the original properties;
• has all tags, seals and packaging.

In addition, the return of goods is not always possible. Not every purchase can be returned to the store. At the legislative level, a list of goods that are not subject to exchange and return has been developed. This list contains personal hygiene items, medicines and cosmetics.

Action algorithm

Those who have every reason to demand that a refund be made to the card when returning the goods can safely contact the seller and initiate the documentation procedure. According to current laws, in order to receive a refund of money spent, the consumer must provide the seller with the product itself, the sales or cash receipt, the available warranty card and a document that allows the identification of the buyer.

ExceptIn addition, you will also need a bank card with which you paid for the purchase. The dissatisfied consumer will also have to draw up an appropriate claim statement detailing the reasons for the return of the product. You can ask the seller for a sample. They usually have drafts of such statements.

In turn, the seller must draw up an appropriate act on the reimbursement of money to consumers. After completing all the necessary documentation, he will be able to return the money using a bank transfer or issue it to the buyer through the cashier. As a rule, no more than ten calendar days pass from the moment a claim is written until the amount is credited to the card. Those who paid for the purchase in cash will be refunded on the day the goods are returned.