If you ever find an entry on your bank statement for a sum of money that you did not authorise, in relation to something you bought online, over the phone or by mail order generally, you are entitled to 100% of the fraudulent amount to be recredited to you by the card issuer.

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It would be impossible for you to do this without opening the packaging and trying the product out.

Having said this, you will still be under a duty to take reasonable care of the goods while in your possession, and may be subject to certain instructions such as not to wear shoes outdoors, or remove hygiene seals.

The supplier must then reimburse you within 30 days without charge (unless you have been expressly informed that you will be liable for a charge) and if you have any related credit agreements, these will also be cancelled.

Unless you have agreed otherwise, goods must be delivered, or services performed within 30 days from the date you submitted your order.

But you can never be penalised simply because you did not return the goods in their original packaging.

For amounts of money over £100 it is always advisable to pay by credit card.The supplier must provide you with specific information related to your rights and their obligations under a distance selling contract.This ‘pre-contractual’ information should include: identity of the supplier, description of the main characteristics of the product or service, price, delivery costs, arrangements for delivery, performance and payment, cancellation rights, cost of communication (for e.g.This is because if you run into problems and you can’t get recompense from the supplier, the credit card company has equal liability.However for goods and services paid for specifically in a distance selling context, you are automatically protected against fraudulent use of your payment card – whether this is a credit or debit card.premium rate telephone line), period of validity of offer, information regarding substitute products.