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  • I've just got an email from a company regarding an order placed in Sept 22, saying that the payment was never taken due to an administrative error, and to get in touch to either pay it or return the goods for a refund.

    Do I ignore it? Or will they send debt collectors to get my daughter's £20 coat?

  • return the goods for a refund

    A refund of what? Did they take the payment or not?

    If you placed the order and received the goods, then you have to pay them the agreed price. That's the most basic meaning of a contract for sale/purchase.
    The extent to which they will attempt to enforce that is obviously limited in the context of a debt of £20, but if they sell it to a collection agency then the agency can add it to your dossier held by credit reference agencies, which is more trouble than anybody needs for £20

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