What shops and services owe you by law.
The Consumer Rights Act: refunds and returnsGoods must be as described, fit for purpose and of satisfactory quality — if not, you get a full refund within 30 days, then repair or replacement.
Paying by card is legal protectionCredit-card purchases of £100–£30,000 are jointly the card company's problem under Section 75 — and debit cards have chargeback as backup.
What to do when you've been scammedCall your bank first, then report — banks must reimburse most authorised push payment fraud, and reporting builds the case.