Obnoxious “No Refund” policies are illegal and it is not just a hype — this is firmly grounded in the Federal Competition and Consumer Protection Act (FCCPA) 2018.
Just recently, The Enugu High Court declared Peace Mass Transit’s “no refund after payment” policy unlawful under the FCCPA and awarded ₦500,000 in damages to a passenger whose journey was not completed but no refund was given.
Under the FCCPA, you are entitled to receive goods that are of good quality, safe, durable and fit for purpose. Where a product fails to meet these standards, the consumer has the right to return the goods and demand a repair, replacement, or refund. This right exists even if the seller displays a “No Refund” notice.
The Act also protects buyers who did not have the chance to examine goods before purchase. If a product turns out to be unsuitable for the purpose for which it was bought, the consumer may reject it. In simple terms, you are not stuck with defective or misrepresented goods.
Importantly, the FCCPA makes it clear that any term or notice that seeks to waive or deprive a consumer of rights granted under the Act is void. That means a printed receipt, signboard, or even a signed agreement cannot override your statutory protections.
However, this does not mean refunds apply in every situation. Consumers must return goods within a reasonable time and should not have damaged them through misuse.
The FCCPA empowers Nigerians to shop with confidence. Vendors cannot hide behind “No Refund” signs to escape responsibility. In the end, if a product is defective or unfit, the law is on your side.
If you are aggrieved, you can approach the Federal Competition and Consumer Protection Commission (FCCPC) or pursue redress before the Competition and Consumer Protection Tribunal as well as a competent Court of law. The law also allows for compensation, damages, and regulatory sanctions against offending businesses, strengthening practical enforcement.