Q I was due to get married in 2020 but due to the Covid-19 pandemic my fiancé and I postponed it to June this year. I chose my wedding dress in 2020 and paid a large deposit at the time. However, during my last fitting, it turned out that the dress did not suit me anymore and would need some alterations. At this point, I think it would be cheaper to buy another dress. Where am I getting my deposit back? Orla, County Kildare
When you put down a deposit, you pay a percentage of the price of something (like a wedding dress) and enter into a contract with the business. This means that when you pay a deposit, you and the business have rights as well as responsibilities.
Under contract law, deposits are generally non-refundable and generally you will only be entitled to your deposit if the business cannot deliver the goods or provide the service you have agreed to pay for, or if the company cannot deliver the goods or service on the agreed delivery date and the new date does not suit you.
Based on the information provided, none of the above scenarios appear to apply.
However, as a first step, you need to check the terms and conditions of your contract with the company. These terms and conditions can be printed on the back of your deposit receipt, or alternatively, check the company’s website for their return policy. See what it says about deposits, change of mind returns, and under what circumstances (if any) you might be entitled to a refund.
In the event that the deposit is non-refundable, you should first contact the company to discuss your concerns and see if they can agree to another arrangement.
You might also consider researching and comparing other modification services, to see if it could help you save money. Second, confirm any new deposit or payment arrangements in writing. Follow up with a confirmation email after any verbal agreement reached over the phone.
Finally, check your wedding insurance policy (if you have one) to see if it covers lost deposits based on your situation. This will depend on the terms and conditions of your policy and the date you purchased it. Contact your insurer as soon as possible to discuss your options.
Can I do without insurance given my tight holiday budget?
Q I am planning a trip to the United States later this year to see my family. A couple of friends told me that I should get travel insurance, but my budget is pretty tight so I don’t want to spend money unnecessarily. Is it worth buying now or can I decide sooner?
Daniel, Co Wicklow
When it comes to planning your travel essentials, travel insurance is something to seriously consider, especially when it comes to traveling abroad. Depending on the policy, travel insurance can provide you with protection against various risks, such as delayed or canceled flights, loss of baggage, and loss or theft of money or valuables. So while it might seem like an unnecessary extra expense now, it might be worth adding to your vacation budget to give you peace of mind that you’re covered if things go wrong.
If you buy travel insurance, get it as soon as you book your trip, rather than waiting for your travel date. That’s in case something goes wrong before you leave.
Also, if you purchase travel insurance after you leave, your policy is unlikely to cover you for any loss or damage that occurred before you purchased the policy.
If you’re concerned about fitting costs, shop around and compare prices from different travel insurance providers.
However, it is important to compare coverage options and not choose a policy based on price alone. Before buying, remember to check the terms and conditions on the cover (if any) related to Covid-19 that a travel insurance policy covers, for example, if you were to test positive for Covid-19. 19 during your trip, etc.
Research the different types of fonts available and find the one that’s right for you. If you plan to travel several times over the next year, it may be better to take out an annual policy rather than several single trip policies. Coverage can vary widely, so make sure you understand what each policy offers.
Finally, check your private health insurance policy to see if it offers some level of protection for medical costs while traveling. Check the details carefully to see what is covered.
How can I get money back if my goods don’t arrive?
Q I recently ordered a few clothes online from a small boutique based in the West of Ireland. Their website says they deliver within five working days, but it’s been over two weeks and my order still hasn’t arrived. I tried emailing the company but got no response. I also tried to call him but the number rings. I’m afraid he went bankrupt. What can I do to get my money back?
Rebecca, Co Meath
When you buy online from a company based in Ireland, you are protected by EU consumer law and have strong rights over a range of consumer issues, including delivery times.
This means that if the company has promised to deliver your order on a specific date or within a pre-agreed time, they are legally bound to keep that promise to you. If not, they should give you the option of agreeing a different date that works for you or allow you to cancel the contract and get a full refund.
In situations like this, the next recommended step would be to contact the business directly to describe the details of your situation, confirm your EU consumer rights and let them know that you are exercising your right to cancel the contract. and receive a full refund.
However, it looks like you’ve already followed these steps, but haven’t received a response yet.
In cases where the company refuses to engage with you and you paid by credit or debit card, you can contact your card provider regarding the possibility of a chargeback.
However, each card provider has their own terms and conditions regarding chargebacks and specific time limits for requesting one may apply.
If a chargeback is not an option, you can contact the Companies Registrar to verify the status of the company and if it is still operational.
If so, you can file a complaint against the company through the Small Claims Procedure.
If the business has gone through a review, liquidation, or receivership, you will be treated as an unsecured creditor because the business technically owes you money for undelivered goods. . As an unsecured creditor, you rank behind secured creditors, such as Revenue and employees who are owed salaries.
If you find that the business is in liquidation and your item has not been delivered, you can contact the liquidator to see if you can have the undelivered items sent to you.