Nine times you should demand a refund

When you purchase a product or a service, you expect to get your money's worth. Sometimes that does not happen. When is it okay to demand a refund?

8. One-time late fees if you're a loyal customer

Alan Diaz/AP/File
Shoppers browse at a store in the Bayside Marketplace in downtown Miami on May 6, 2015.

Just hours before I started writing this post, I called J. Crew to dispute a late fee on my bill. I didn't receive the bill in time as it arrived at my other home, so I missed the payment due date. Because I'm a very loyal customer to J. Crew, and I always pay my bill in full each cycle, I called to kindly request that the late fees be waived for this circumstance. The customer service agent was perfectly willing to do it, and it saved me $50.

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