just got off the phone to the credit card company... been told they have sent me the wrong letter by mistake... i now have to write to their consumer rights dept... with all the details so they can investigate.. i should think so too!!! many thanks guys i will keep you posted over the next few weeks

this is all new to me guys.... never thought i would have to threaten my card company with court action to reclaim the funds ... they are always banging on about how safe it is to use you cards giving extra protection when things go wrong... i feel very let down by them... thanks for the comments ... keep them coming

hi... the letter was from the credit card company...

i bought a mobile phone for a christmas gift for my daughter... on christmas morning she informed me that it had the wrong bits in the box.. charger ect... i took the phone back to the shop two days later.. only to be refused a refund on the grounds it was taken out of the shop..??? is he for real... i was offered plug in adaptors to try and make it work,to which i refused.. sticking to my rights .i returned the goods on the grounds of "not fit for purpose.".and left it in the shop. i paid for the phone using my credit card..£140.. thinking they would refund me.. letter arrived this morning saying no refund on the grounds .. i should have checked the bits before leaving the shop... it is not possible to assemble and charge a mobile phone over a shop counter to ensure they have suppiled all the parts..if it was a large screen tv would they expect me to drag it to a plug socket to switch it on before buying... ??? i want to go after the credit card company.. feeling they have let me down...25 years i have been with them.. grrrr