Under Section 75 of the Consumer Credit Act, credit card providers are jointly liable with retailers for purchases costing between £100 and £30,000. Martin Lewis' 3 golden refund rulesMartin summed it up with three simple points:Faulty item: You're entitled to a full refund within 30 days under the Consumer Rights Act. Non-faulty item bought online: You usually have 14 days to tell the retailer you're returning it and another 14 days to send it back. You usually have 14 days to tell the retailer you're returning it and another 14 days to send it back. Non-faulty item bought in-store: "You have no statutory right of return," Martin said, so any refund depends on the retailer's own policy.