🔍Loss & DamageUpdated: May 2026

📦 Webshop bankrupt before delivery — can I get money back?

Direct answer

Webshop bankrupt before delivery: (1) Bank chargeback — MOST IMPORTANT and FASTEST: iDEAL payment: refund within 8 wks after debit on bank-independent dispute (SEPA rule). Call bank immediately, demand reversal with reason “no delivery”. Success 70-90%. Credit card: chargeback via issuer within 120 days. High success. PayPal: Buyer Protection 180 days via “open dispute”. 95% success on “goods not received”. (2) Backup: trustee claim: notify trustee via registered letter. Company details on faillissementen.rechtspraak.nl. Claim placed in concurrent creditors (low rank). Typical recovery <5%. (3) Thuiswinkel-Waarborg: with Thuiswinkel.org-mark: compensation up to €10,000/customer on bankruptcy/non-delivery. Very effective if shop is member. Check mark before buying for risk reduction. (4) ACM complaint: consuwijzer.nl + ANVR for travel. (5) Small claim procedure: up to €25k via Thuiswinkel Dispute Commission (€25 cost, binding). Often works before definitive bankruptcy for local failing shops. (6) EU cross-border: on EU webshop bankruptcy: ECC Nederland (European Consumer Centre) helps free. (7) What does NOT work: calling defunct company (no answer), customer service emails (no reply). Directly via bank/trustee/mark.

iDEAL

Chargeback 8 wks

PayPal

Buyer Protection 180d

Mark

Thuiswinkel €10k

Step by step

1
Call bank immediately chargeback
iDEAL: 8 wks. Credit card: 120 days. PayPal: 180 days. High success on no delivery.
2
Notify trustee via letter
Registered. Company details via faillissementen.rechtspraak.nl. Typically low recovery.
3
Check Thuiswinkel mark
On shop-member: up to €10k guarantee from fund. Most effective path on closure.
4
ACM ConsuWijzer complaint
Damage registration + advice. Free. Helps with collective complaints + enforcement.

All contacts

Eigen bank (fraudeafdeling)iDEAL chargeback

Step 1 within 8 wks

Thuiswinkel WaarborgUp to €10k for mark shops

On mark membership

📞 0900-2021 010 🔗 thuiswinkel.org

Curator faillissementFile claim

For formal claim

🔗 faillissementen.rechtspraak.nl

ECC NederlandFree EU cross-border help

On EU webshop

📞 030-232 6502 🔗 eccnederland.nl

Frequently asked questions

No iDEAL or credit card used?

SEPA transfer: claw back direct debit within 13 months (Payment Services Act). Harder on webshop bankruptcy — bank often asks fraud proof. Classic bank transfer: only via trustee. PayPal Friends & Family: NO protection (avoid for unknown sellers).

How to avoid this risk in future?

Check Thuiswinkel mark (€10k guarantee). Pay via credit card (chargeback) or PayPal (Buyer Protection). Read reviews + Trustpilot before large order. Unusually low price: suspect dropshipping/scam — avoid.

Sources

🔎 Common search queries

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