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What should I do if I have one in the back of a drawer?
The Trading Standards Institute says customers should lodge their claim as soon as possible after a retailer has gone into administration to increase their chances.Clearly, shoppers will have a problem returning faulty goods if the shop no longer exists.Those opting for vouchers should avoid getting stung by following our top tips: For electronic gift cards, write down the card or voucher numbers and keep them separately from the electronic gift card, in the event of loss or theft, it might help to recover.The three major credit card processors, Visa, Mastercard and American Express all sell gift card versions of their credit cards, which work in an identical way to gift cards bought for a specific shop.A person whose car breaks down because it was serviced poorly, however, has no clear, readily accessible remedy.In addition, prepaid gift cards usually require an upfront purchase fee from the gifter.This was a relief to many who may have been saving them up to buy a high-value volantino offerte dpiu verona product.An estimated 10 million worth of vouchers were left worthless after Woolworths entered administration in 2008.Rights for anyone buying services will be strengthened, and for the first time people will have the right to have a substandard service remedied or refunded.Checking the balance of a gift card also counts as a transaction, so holders can extend the validity period even if they don't yet want to buy.For example, when administrators were brought in at Comet, they initially said that gift cards and vouchers would not be accepted.Mr Bruton also said that while a consumer who bought a film on DVD was protected by consumer legislation, one who streams or downloads the same film was not.John Lewis sells its gift vouchers with no expiration date at all and Tesco offer a validity period of five years.In theory, they may have a claim for a lesser amount under chargeback rules to their credit or debit card provider, but this is not always successful.Speaking ahead of the publication of details of the proposed Bill, Mr Bruton said the changes were aimed at doing two things.When a retailer goes into administration, holders of gift vouchers are classed as "unsecured creditors" and normally told to join the back of a long queue, the front of which they may never end up reaching.If you are seriously worried that a store is going to go under, then it would be worth spending.Some, but not all, also can be used for online purchases.Gift card top tips All in all, vouchers and cards might seem like a slightly more imaginative present than cold, hard cash but they have their issues.The alternative is to use a prepaid card from one of the "big three".

For example, one troubled store - HMV - initially was not accepting or issuing gift cards, but has since said it would accept them in certain circumstances.