Consumer Rights & Debt

You Signed the Contract — No Refunds and No Cancellation

Q: The contract you signed explicitly states no refunds and no cancellations.

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Q: You already received the product, so the 10-day period has passed.

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A supplier refuses a refund or cancellation request citing the signed contract, ignoring your legal right to cancel

Premium foundational 8 minutes

The Situation

What They Said

“You signed the contract — there are no refunds and no cancellations. You are bound by what you agreed to.”

A supplier, direct seller, or service provider refuses to allow you to cancel a purchase or receive a refund, pointing to a no-refund clause in a contract you signed. This commonly occurs with direct sales at your home or workplace, over the phone, or via door-to-door agents.

The Fallacy

Contract as Absolute Override

The supplier treats the signed contract as an absolute document that overrides all other rights. In many legal systems, contracts cannot contract out of statutory protections — and consumer protection laws give consumers explicit rights that exist regardless of what a contract says. A no-refund clause does not override your legal cooling-off right or your right to return defective goods. The law sets a floor below which contract terms cannot go.

What the Law Says

Your Legal Foundation

Ley de Defensa del Consumidor

art. 34 de la Ley 24.240 — Consumer Protection Law

“Article 34. Revocation of acceptance. In the cases provided for in articles 32 and 33 of this law, the consumer has the right to revoke acceptance within ten (10) calendar days counted from the date the good is delivered or the contract is entered into, whichever occurs last, without any liability. This right cannot be waived or renounced.”

Even if you signed a contract with a no-refund clause, under Article 34 you have a 10-day cooling-off period to cancel without penalty, provided the sale falls under Articles 32 or 33 (door-to-door, phone, etc.). The no-refund clause is void because this right cannot be waived.

What Scripture Says

God's Word on This

Amos 8:5 (NET)

“You say, 'When will the new moon festival be over, so we can sell grain? When will the Sabbath end, so we can open up the grain bins? We're eager to sell — we can water down the ephah and hike up the shekel's price. We can use a scale that's rigged.'”

Amos condemned merchants who used deceptive practices to trap buyers into unfair transactions — weighing falsely, changing terms, and hiding the true cost. A no-refund clause inserted into a direct-sale contract to trap an uninformed buyer is exactly this pattern. God's law has always required honest, transparent trade — consumer protection law codifies this standard.

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You Know the Law — But Do You Know What to Say?

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What They'll Say Next

Common Counter-Arguments

After you respond, they may push back with these arguments. Members get the full rebuttal for each.

They might say: “The contract you signed explicitly states no refunds and no cancellations.”

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They might say: “You already received the product, so the 10-day period has passed.”

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