 If a consumer's payment card is charged fraudulently, the money must be paid back to the consumer by the card issuer.The Consumer Credit Act 1974 makes a joint and several obligation on both the seller and the card issuer to refund money

If goods are sent to a consumer without a contract asking for them, the "recipient may [...] use, deal with, or dispose of the goods as if they were an unconditional gift to him" and "[t]he rights of the sender to the goods are extinguished".This is intended to prevent companies purporting to demand payment for goods a consumer receives unexpectedly.