A fan of money expert Martin Lewis has explained how he claimed back £4,780 by paying with a credit card.
The man, known only as Chris, was left out of pocket after funeral provider Safe Hands collapsed last year.
But thankfully he managed to recover a hefty sum by using Section 75 of the Consumer Credit Act.
Under Section 75 of the Consumer Credit Act, your card provider is jointly responsible for helping you get your money back on purchases worth between £100 and £30,000.
You don’t need to have made the whole purchase on your credit card for these rights to be applied.
Chris praised Martin Lewis for his advice after reading about Section 75 on the MoneySavingExpert website.
Chris said: "Following Martin's newsletter suggestion to claim against a credit card company using Section 75 of the Consumer Credit Act, we have just been successful and Capital One have reimbursed us with the full amount of £4,780.
"We're absolutely delighted and would like to pass our thanks to Martin, for without his help we would have lost everything."
In order to make a Section 75 claim, customers must ask their bank to provide them with a claims form.
Brits must make sure that they specify with their credit card company that they wish to make a claim using Section 75, so there is no confusion.
The claim should also include as much detail as possible, including a description and evidence of the attempts they have made to get money back from the retailer.
You must make a claim within six years of buying the goods or services or, in cases of non-receipt, when they were due to receive them.
Safe Hands collapsed into administration in March - leaving 45,000 customers in the lurch.
Safe Hands customers paid £3,000 on average for a funeral plan, but at the time, were told to expect back no more than £300 to £600 and to seek a new plan.
There have been new rules brought in for funeral providers to help protect customers, with plans now falling under Financial Conduct Authority (FCA) regulation.
Funeral plan holders of authorised providers can now refer complaints to the Financial Ombudsman Service (FOS) and will be covered by the Financial Services Compensation Scheme (FSCS) if their provider goes out of business.
The FCA has said its new rules will provide continuity for customers where a business fails, by allowing plans to be transferred to a new provider.
