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Paid for a service that never happened?. The law of England and Wales, in plain English.

The law, in plain English

Paying for a service creates a contract. If the provider fails to deliver, you can claim your money back for breach, and the Consumer Rights Act 2015 requires services to be performed with reasonable care and skill, within a reasonable time where none was agreed. Card payments may also be recoverable through chargeback or, over £100 on credit, section 75.

How it usually goes

  1. Put the failure in writing with a deadline to deliver or refund.
  2. Ask your bank about chargeback early: schemes have time limits.
  3. A letter before action, then a small claim if they still hold your money.

What it costs

Letter before action £180 plus VAT · claim from £450 plus VAT (illustrative).

Speak to Kestrel now.

Any hour. Plain answers, a fixed quote in writing, and a named solicitor by 9:00.

Speak to Kestrel