Christmas Shopping with a Prepaid Money Card

Published on 1 January 1970 by Raffick Marday

Christmas shoppers are being warned to check the returns policy on their gifts as research reveals more than seven million Brits have experienced problems when trying to return gifts.

Of the 9.9 million consumers who have tried to return an unwanted gift in the last two years, 82 percent have had difficulty getting a refund, Which? Legal Service found.

Half of those who were refused the refund said it was because they did not have the receipt and 16 percent said the shop did not allow any refunds for unwanted items at all.

Only 47 percent of people were aware they have no legal right to return something to a shop because they have changed their mind, while a mere 18 percent claim to always check the returns policy before making purchases.

Our independent research shows that many people don’t know what their rights are when shopping on the High street or online,” said Peter Vicary-Smith, Which? chief executive.

“But just knowing some of the basics could mean you won’t be stuck with unwanted gifts you can’t return.”

If you lose the receipt of a gift you wish to return, many retailers will accept a credit or debit card statement as proof of purchase, and a prepaid money card bill can do the same.

Christmas shopping can be expensive with so many people to buy for and it can often get confusing about how much you have spent in total.

A prepaid money card is a good way to aid budgeting and prevent overspending as it does not allow you to go over the amount you loaded onto the card.

Although consumers were still unaware of what items could be returned, people were found to be more likely to check the returns policy when shopping online with 34 percent always doing so.

A fifth of those who had bought gifts for a birthday or Christmas failed to receive them in time, and 80 percent of these online shoppers did not know their legal rights of how long they have to tell a website they want to return an item.

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