If you’re let down by a purchase, your day could be ruined or your travel plans derailed, but when you pay with Visa, you could dispute the payment. This is often referred to as a Chargeback.
In some cases, the dispute is simply because the seller charged the wrong amount or charged twice by mistake, in others, you may have ordered clothes that weren't as described. Or you booked a flight but the airline folded. You might have bought someone a gift for a special day, but it arrives too late - or not at all!
When things go wrong, the first thing to do is contact the seller and see if they can resolve the issue for you. If the business has folded, or they aren’t willing to help, you might be able to make a chargeback claim.
In the case of tour operators, there is also an industry insurance scheme, the Air Travel Organiser's Licence (ATOL) which could also help get your money back.
