If you choose to do so, there is nothing you can do to get the money back through your bank as this will be viewed as money you have willingly paid out. The company you buy from goes bust.
You can only use it if the retailer refuses to give you a refund or is unable to help.

Read our guide on how to spot a scam. Dear Lifehacker, Last month I bought a laptop that never arrived, and the seller's stopped responding to my emails. If you want to back out of an online purchase, the first thing to do is check the company’s cancellation policy, which you can usually find on the order page.
In others, doing so may not be possible, but measures need to be taken to prevent further fraud. In the rare occasions when I do need a refund, it’s usually simply a matter of asking the vendor. I want to get my money back but I don't know what to do. In some cases, these steps can help you to get your money back. You can use our sample complaint letter to ask the seller or manufacturer for a refund, get tips and strategies for making your case, and find organizations that may be able to help. You are charged more than agreed for a purchase or are charged more than once . Your card is used fraudulently.

How I got my money back from my bank after falling for an online scam Published: April 5, 2018 at 12:37 p.m. Goods or services are not as described or are in an unsatisfactory condition. But once in a blue moon, you do business with an imbecile who refuses to play fair. Step #1: Contact Your Financial Institution You can use it to get your money back if: A purchase does not arrive. ET That happened to me very recently. It’s just that easy. The FTC has tips to help you get your money back. You should be particularly careful of responding to emails that state you stand to gain a large sum of money but need to send money to release the funds. Please help! No matter what kind of scam has affected you, there are important steps you should take to get your money back after being scammed online. Despite their initial refusal to return my cash, I took the following steps and I did get my money back. Don’t be fooled by scammers who promise to get your money back for a fee. Many companies, like Amazon, let you cancel an order if it hasn’t shipped yet, while others require you to cancel within an hour of ordering.

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