We aim to ensure all the vouchers in this section can be used by everyone. They're checked with the company's press office where possible (unless stated).
Whether it's a retailer or restaurateur, airline or air-conditioner seller, computer shop or car rental company, there are always two main risks. Either it's a dodgy company, or it's a legit company that has financial problems and goes bust.
The aim of these tips is to help you minimise the risks.
Quite simply, its customers are immediately transformed into creditors. This hits hardest if you've ordered goods or tickets from them, and not had delivery, as then you become one of a line of people trying to get your money back out of the company's assets, and you usually get back much less than you paid in.
Even if you've had delivery, if the company you bought from goes under and there's a problem with the goods, it can mean you've no comeback.
While MoneySavingExpert.com endeavours to check deals are valid, we don't check companies ' finances. Even huge names like MFI and Woolies have folded, so it's very important you use the right strategies to stay protected where possible.
Pay by credit card for something over £100, and Section 75 laws supercharge your consumer rights.
Unlike debit cards, cheques or cash, pay in full or part (even just £1) on a credit card and by law the lender's jointly liable with the retailer.
This means you have exactly the same rights with the card company as you do with the retailer. So if it goes bust, you can simply take your complaints there instead and get money back if there's no delivery.
Yet it's important you ALWAYS REPAY IN FULL each month, so there's no interest cost. See the full Section 75 guide.
Section 75 doesn't apply to purchases under £100, but there's still an option which can help. It isn't a legal protection, just Visa, Mastercard and Amex's rules, but it's a good back-up.
Spend on a Visa, Mastercard or Amex credit card or any debit or charge card. If the goods don't appear, you can try to ask your bank/card provider to reclaim the cash from the seller's bank, so long as you complain within 120 days of realising there’s a problem. See the Chargeback guide for full details.
Bogus websites are often set up to cash in on popular products like Ugg boots and Tiffany necklaces, so be wary if it's an unfamiliar site. And don't think that because it appears on a reputable search engine, that makes it a reputable site - always check.
Most folk know to look for a security padlock on the bottom right of a website, but that doesn't mean the site's legit, just that payment's secure.
To find out who registered the site and when, search the Whois database. Reputable firms should also appear on the Companies House site, the UK Government's official companies register. Be very wary of businesses with just a PO Box or email address.
Study the site's worldwide web ranking on Alexa. Anything in the top 100,000 means it's reasonably big and a good, though not foolproof indication of legitimacy. Do a quick Google search for other shoppers' experiences.
Crucially, ensure your security's up-to-date - free software can be downloaded to your computer in about five minutes. Full details in the Free Antivirus Software guide.
Many people are surprised to learn you've MORE rights buying online (or by telephone/catalogue) due to the Distance Selling Regulations.
These give you a legal right to send most goods back within seven days for a full refund (including outward delivery costs), even if there's no fault. You'll usually need to pay for the return delivery. Read Consumer Rights for a full guide.
However, of course, this is balanced by the fact ordering online automatically means there's a time gap between ordering and delivering - when the company has your money. So if it goes bust during that time, the distance selling rights don't help.
Ultimately, there is always a risk that a company can go bust. If the above routes don't apply, then you have to make a decision about whether you're willing to take the risk of parting with your cash.
Don't be scared of this. Every day we all make transactions based on trust, and this is part of that, but do balance up the amount you're spending against the risk. Don't give large amounts of money to a company you're not sure about.
Enter the code KGMARCH25 online at Kurt Geiger* (delivery's £4.95 or collect in-store for free) or take this Kurt Geiger voucher in-store by Mon 31 Mar. The code can be used on all brands excluding Ugg Australia, but can't be used on sale items or gift cards.
Buy a copy of this week's Grazia magazine (£2, Kim Kardashian's on the front) and on page 98 you'll find a code to enter online at Whistles* (delivery's free) and a voucher to take to your nearest store by Tue 18 Mar.
Use it at concessions, including Selfridges, Harrods and Harvey Nichols as well as standalone stores. Can't be used with other promotions.
Enter the code VOU9095212 at the Ocado* online checkout by Mon 31 Mar. The minimum spend’s £40 and the maximum you can save is £20. So if your basket costs over £80, your discount will be less than 25%.
If using the code takes your bill under £40, Ocado says that’ll be fine. Delivery could be free, or could cost up to £6.99, depending on how much you spend and when you want your goods delivered.
Can't be used with any other offer or on:
Ocado deliveries are only available in certain areas of England and Wales - enter your postcode here to check availability in your area.
Excludes business accounts.
Enter the code XXR7TM online at Tesco* for deliveries on or before Mon 10 Mar and new customers will get £15 off when you spend £60. Home delivery is £3-£6 depending on the time slot you choose, or collect in-store for free. Can't be used with other coupons beginning with 'XX' or on certain products. There's more info below on what you can't use this deal on.
New and existing customers can get 25% off EVERYTHING with code MSE25 at Vegetableseeds.net* by Fri 28 Mar. There's no minimum spend, but delivery's £2 on orders under £15.
We've compared prices and Vegetableseeds.net is the cheapest for all the seeds we checked, so with an extra 25% off, you can make some strong savings.
Examples of what you could get using the code include:
We've not worked with Vegetableseeds.net before so we don't have any feedback. We've only read a couple of reviews (both positive) so please let us know how you get on in our forum.
If you're a new customer, enter code DDF4-F7NJ-GYQF online at Sainsbury's* and you'll get £15 off when you spend £60 on groceries.
Unless you're already a Sainsbury's online shopper, use this code to get a whack off this week's food shopping - then you could just go back to your normal supermarket.
Your shopping must be delivered on or before Sat 31 May. Delivery's from £2.99 to £5.99, depending on the slot. The code can't be used on delivery charges.
Follow these quick steps:
We have little feedback on Wrapp but it was founded in 2011 and its board directors include the co-founders of Skype and LinkedIn so it has decent backing. Of course, as you don’t need to give payment details for this deal, the risk is minimal.
To cover the cost of p&p, you'd need to spend £40+ with the code, otherwise buying in-store's cheaper.
Go to the Amazon Discount Finder and choose your department. Next, pick your discount and price range and choose whether you want free delivery. The tool will then generate a bespoke page full of discounts which fit your search terms.
Amazon often offers 75% and better reductions, yet it directs people to other areas, sending them to higher profit margin products instead.
This tool manipulates Amazon's web links to display all heavily-reduced bargains.
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