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The Financial Ombudsman Service, which said it receives a significant amount of section 75 complaints by consumers each year, said that even savvy consumers commonly misunderstand when they are due compensation.

Common misconceptions include that you are not protected if you use your credit card abroad (you are) and that you must need to take the retailer to court before making a claim (you don't).

Having diversified from mail collection and delivery, they now offer a range of financial service products.