Guide

Your Consumer Protection Act refund rights

Most South Africans accept a credit note or a repair when the law entitles them to a full refund. Here's what the Consumer Protection Act actually says about faulty goods, cooling-off periods, and how to get your money back.

Updated August 2026·6 min read·By LetterUp

The six-month implied warranty

The single most useful right in the Consumer Protection Act 68 of 2008 is the implied warranty of quality in section 56. Every product you buy must be of good quality, in working order, and free of defects for a period of six months after delivery. If it fails within that time, you're entitled to return it — and the supplier must cover the cost of returning defective goods.

This sits on top of section 55, which gives you the right to safe, good-quality goods that are reasonably suitable for the purpose they're generally intended for, and that match any description or sample you were shown.

The choice of remedy is yours

This is the part shops rely on you not knowing. When goods are defective within the six-month window, you choose the remedy — not the store:

  • A full refund of what you paid; or
  • A replacement with the same or a similar item; or
  • A repair.

A supplier cannot force you to accept a repair or a credit note when you're entitled to your money back. And if the supplier does repair the item but it fails again within three months of the repair, you can then insist on a replacement or a refund.

Watch for "No refunds" signs and "returns within 7 days only" policies cannot override the CPA. A store policy can be more generous than the law, but it cannot take away your statutory rights for defective goods.

Cooling-off periods

People often assume they can return anything within a few days. The CPA's cooling-off right is narrower than that: section 16 gives you five business days to cancel — without giving a reason — where you bought goods or services as a result of direct marketing (for example an unsolicited call or approach). There's also a separate cancellation right for goods bought via electronic transaction under the ECTA. An ordinary in-store change of mind is not automatically covered.

What the CPA doesn't cover

  • Change-of-mind returns in store, unless the retailer's own policy allows them.
  • Defects you were specifically told about before buying, or that you caused through misuse.
  • Normal wear and tear after the warranty period.

Need to demand a refund?

LetterUp turns your situation into a professional refund demand letter that cites the exact CPA sections and sets a deadline — ready to send as a PDF. R79, no account needed.

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How to demand a refund that sticks

If a retailer is stalling, put it in writing. A strong refund demand:

  • Identifies the item, price, and date and place of purchase.
  • States exactly what's wrong with it.
  • Cites your section 55/56 rights and names the remedy you're choosing.
  • Gives a clear deadline (10 business days is standard).
  • States that you'll refer the matter to the Consumer Goods and Services Ombud if refused.

Our step-by-step letter of demand guide walks through the full structure, or you can generate a refund demand letter in a couple of minutes.

Frequently asked questions

How long is the CPA warranty?

Section 56 gives an implied warranty of quality for six months from delivery. If goods fail, are defective or unsafe in that time, you can return them and choose a refund, replacement or repair at no charge.

Can a shop insist on repairing instead of refunding?

No. For defective goods within six months, the choice of remedy is yours. If a repair fails again within three months, you can demand a replacement or refund.

Do I have a cooling-off period?

A five-business-day cooling-off right applies to direct-marketing purchases. Ordinary in-store change-of-mind returns aren't automatically covered and depend on store policy.

What if a retailer refuses a valid refund?

Send a written refund demand citing your CPA rights and a deadline. If refused, complain free to the Consumer Goods and Services Ombud, then the NCC or Tribunal if needed.

LetterUp is a document preparation service, not a law firm. This guide is general information, not legal advice, and does not create an attorney-client relationship. For complex disputes, consult a qualified South African attorney or the Consumer Goods and Services Ombud.