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Consumer Protection Act returns: your six-month right to a refund

A shop's no-returns policy does not override the law, and you choose whether you get a repair, a replacement or your money back.

Ezra Labuschagne by Ezra Labuschagne
3 September 2026, 09:21
in Business
Shopper at a South African retail returns counter holding a receipt and a boxed appliance

The six-month rule

Consumer Protection Act returns are governed by section 56 of the Consumer Protection Act 68 of 2008, and it gives you more than most shop policies admit.

Section 56(1) puts an implied warranty of quality into every transaction where goods are supplied to a consumer. The goods must meet the standards set in section 55: good quality, in working order, free of defects, and reasonably suitable for the purpose they are generally intended for.

Section 56(2) then says that within six months after delivery, you may return the goods to the supplier, without penalty and at the supplier’s risk and expense, if they fail to meet those standards. The supplier must then repair or replace them, or refund what you paid.

Six months. From delivery, not from when you noticed the problem.

You choose the remedy, not the shop

This is the part retailers most often get wrong at the counter.

Under section 56 the choice between repair, replacement and refund belongs to the consumer. A shop cannot insist on sending an item away for repair when you have asked for your money back.

“Without penalty and at the supplier’s risk and expense” also means you should not be paying to return a defective item, and no handling fee should be deducted.

The three-month follow-on

If you do accept a repair, there is a second protection.

If the supplier repairs the goods and, within three months of that repair, the same failure has not been fixed or a further defect appears, the supplier must replace the goods or refund you. They do not get an endless series of attempts.

No-returns signs and voetstoots clauses

The warranty is automatic and cannot be contracted out of. A “no returns” policy, a sign at the till, or a voetstoots clause in a sale agreement does not remove your rights under section 56 where the goods fail to meet the required standard.

The warranty is also joint and several. The producer or importer, the distributor and the retailer are all accountable. If the retailer sends you to the manufacturer, you are entitled to hold the retailer to it.

What counts as a defect

The Act defines a defect as a material imperfection in the manufacture of the goods, or a characteristic that makes them less useful, practicable or safe than a person would reasonably be entitled to expect.

That is a meaningful limit. Section 56 covers goods that were defective at the date of sale, or that failed in a way you would not reasonably expect so soon.

It does not cover damage you caused, ordinary wear, or a failure to follow care instructions. Nor does it cover buyer’s remorse: not liking something is not a defect.

Buying online is different

If you bought online, over the phone or otherwise at a distance, a separate law applies as well.

Section 44 of the Electronic Communications and Transactions Act gives a seven-day cooling-off period. You may cancel without giving any reason within seven days of delivery, and the seller must refund you within 30 days.

This is broader than section 56 because it does not require anything to be wrong with the goods. The trade-off is that you may be responsible for the return shipping when the item is not defective.

Where the two laws overlap, the ECT Act’s consumer protections can prevail, and in some situations give you more than the CPA does.

After six months

The section 56 window is six months, and the courts have generally not extended it. In one reported matter a court noted that a vehicle could not be returned because the six-month period had lapsed.

After that you are into the manufacturer’s own warranty, if there is one, and ordinary common-law remedies. A separate claim for harm caused by defective goods exists under section 61 of the CPA and is not limited in the same way.

The practical lesson is to act early. If something is wrong, raise it in writing while the six months are still running.

If the supplier refuses

Put the complaint in writing and keep the proof of purchase and the delivery date, since the clock runs from delivery.

If that goes nowhere, escalate to the Consumer Goods and Services Ombud, or lodge a complaint with the National Consumer Commission. Both handle disputes of this kind without needing a lawyer.

If money is owed to you and the supplier is stalling, it is worth understanding how prescribed debt works, since time limits cut both ways.

Where to check

The Consumer Protection Act 68 of 2008 is published in full on the government’s site, and section 56 is short enough to read yourself.

For a dispute, start with the National Consumer Commission or the Consumer Goods and Services Ombud. This is general information rather than legal advice, and anything involving a large sum or a contract dispute is worth taking to an attorney.

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Source: National Consumer Commission
Tags: bankingConsumer Protection Actconsumer rightsrefundsretail
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Ezra Labuschagne

Ezra Labuschagne

Ezra Labuschagne is the founder, editor, and publisher of Southafriworld, an independent South African digital news publication. Based in Pretoria, South Africa, he leads the publication’s editorial direction, publishing standards, content review, and audience strategy. His work focuses on current affairs, public interest reporting, business, the economy, public policy, and major developments that affect daily life in South Africa. As founder and editor, he is responsible for final editorial oversight, including source review, accuracy, updates, corrections, and publishing standards across Southafriworld.

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