A sales assistant recommended a particular bracket for my TV. On arrival it clearly was not appropriate. I called and a very helpful assistant told me that his colleague had got it wrong, told me to return the bracket for a full refund including postage. All calls in and out of our office are recorded. He told me the correct bracket, it arrived and worked. Now things went wrong: A woman called Jessie wrote saying that they would not refund postage and that she didn't care that the company manager had ordered her to make the refund. She also said she didn't care that our phone recording system proved that sales had recommended the wrong bracket! 45 emails later she was overruled by Visa who deducted the full refund from 123 Brackets. So if you come across Jessie, who simply ignores the facts and doesn't give a damn about customers or consumer law, you are in for a long slog.