If an online shop goes bankrupt after your payment in Leiden, you risk losing your money. Fortunately, as a Leiden resident, there are steps you can take to limit the damage, with help from local organizations such as Het Juridisch Loket Leiden.
What happens in a bankruptcy?
In a bankruptcy in the Leiden region, the Leiden District Court appoints a trustee to manage and liquidate the company's assets. As a consumer, you rank lower as an ordinary creditor on the priority list, making repayment more difficult.
Product not delivered after payment
Have you paid but not yet received the product? Take action:
- Submit a claim to the trustee via the Leiden District Court
- The chance of full repayment is unfortunately limited
- Sometimes the trustee decides to fulfill the delivery anyway
For personal advice, visit Het Juridisch Loket Leiden.
Paid with credit card or PayPal
If you paid via credit card or PayPal, a chargeback request is your strongest option. This offers the best chance of getting your purchase amount refunded, regardless of the local context.
Thuiswinkel Waarborg certification
Did you shop at a webshop with the Thuiswinkel Waarborg? Your purchase is then protected up to €10,000 against bankruptcy, providing extra security for Leiden residents shopping online.
iDEAL or direct bank transfer
If you paid via iDEAL or bank transfer, your options are more limited. You can consider:
- Submitting a claim to the trustee of the Leiden District Court
- Asking your bank for a goodwill arrangement, though this is not guaranteed
How to prevent this?
Before buying as a Leiden resident, check:
- Online reviews and the shop's general reputation
- Presence of a certification such as Thuiswinkel Waarborg
- The KvK number and whether the company is registered with the Chamber of Commerce
- Options for payment on account where possible
Consult the Municipality of Leiden or Het Juridisch Loket for more local tips on safe online shopping.
Veelgestelde vragen
Wat is mijn retourrecht?
Bij online aankopen heb je 14 dagen retourrecht zonder opgaaf van reden, tenzij de wettelijke uitzonderingen gelden.
Hoe lang geldt de wettelijke garantie?
Goederen moeten minimaal 2 jaar meewerken. Defecten die binnen 6 maanden ontstaan worden verondersteld al aanwezig te zijn.
Kan ik rente eisen over schulden?
Ja, je kunt wettelijke rente eisen (momenteel ongeveer 8% per jaar) over het openstaande bedrag.
Wat kan ik doen tegen oneerlijke handelspraktijken?
Je kunt klacht indienen bij de consumentenbond, de overheid of naar de rechter gaan.
Wat is een kredietovereenkomst?
Een kredietovereenkomst regelt hoe je geld leent, wat de rente is, en hoe je dit terugbetaalt.