I'm having a problem with "cheap disability aids" and looking at reviews on the company, it looks like I am not alone. Their website claims they will respond within 4 to 12 hours. I have been waiting over a week. They sent the wrong thing which is of no use to me, and will not respond to emails apart from the automated response telling you to sit back and relax as someone will get back to you within 4 to 12 hours. In fact, I got a message that due to the high number of emails sent, my email address has been marked as spam and emails will not get through. Phoning only gets someone who sends the same email form and will not let you speak to anyone who could deal with the issue. I want to send the thing back and either get the correct one sent or a refund. As they are not responding and ask that nothing is sent back until authorisation is given am I entitled to get my money back by asking the bank to regain it via chargeback, as I have seen this was the advice given to someone who did not get their order at all from the same company. If I do this, can my credit rating be affected?