It’s not the $2.26. It’s the Ripoff and the Garbage: How to Get a Refund by Politely Complaining

It’s not that I can’t afford $2.26. I’m sure I’ve spent that much at the dollar store on treats that were consumed before we finished walking home. It was the frustration of false advertising that led me to try to get a refund by complaining politely.

Written: 2012
Reviewed: 2023

The other month at Dollarama, I pointed out to my husband that they had sturdy plastic trays meant to be snapped on the back of an iPad similar to the ones at the computer store. The only noticeable difference was they cost only $2 each. They also had padded neoprene sleeves for iPads.

So on another trip to the store, he bought one of each.

The neoprene sleeve fits fine. Thanks, Dollarama!

The plastic clip on protector, however, did not fit at all. It was packaged as being for an iPad 2, but it wouldn’t clip on. It also would not fit our older iPad.

Dollarama, at least the store we purchase from, has a no refunds and no exchange policy. So we had spent $2.26, including tax, on a heavy piece of plastic that would have to go in the garbage. I was very annoyed.

Past experience has taught me, though, that a polite complaint can often work wonders.

So I wrote a letter to Dollarama explaining what we had bought, why we couldn’t test it before buying it (packaging), and why we couldn’t simply take it back for a refund. I mentioned that basically it’s false advertising to sell a product that does not and can not do what it says it will. And I asked for my $2.26 back. I offered to take the item back to the store, if they wanted it for quality assurance purposes, or to prove that I was telling the truth about the defect.

Then I went on to the internet and found the Dollarama website. It gave an email address to Contact Us. I sent an email copy of my letter to that address.

In two days, they had agreed there was a problem. They sent me a gift card to compensate the $2.26. In fact, they actually sent a gift card for more than that amount. Since we only wanted our own money back, we used the balance to buy some items for the charity Mitten tree at school.

I’d like to thank Dollarama for resolving this issue promptly and properly. I’ll continue to shop there.

And I’d remind people that politely complaining by presenting the facts and stating what would fix the problem can resolve many problems.

How to Get Your Complaint Resolved Successfully

Provide a detailed complaint. Include the

  • date the problem occurred
  • location
  • what you expected to get
  • what you actually received
  • why it was unacceptable
  • what you did to try to resolve the problem, including who you talked to and when
  • receipt or other proof of the interaction

Explain what you would like done. Include

  • whether you wish to receive money back, and if so, how much; or
  • whether you wish to receive a replacement for a defective item; or
  • whether you wish to schedule another attempt at a service

Have reasonable and realistic expectations.
I wanted my $2.26 back. I didn’t expect to get $100 and an iPad.

If the food was poor at an all-included vacation destination, you might expect to get back part of their cost for the food portion of your holiday. You can’t expect to get back the cost of eating all of your meals, at full retail price plus tip, at another location. Well, you can expect it, but I doubt you would get it.

Provide Your Contact Information
If you want a refund or other compensation, you will need to provide your full name and address.

Can I Earn a Referral Bonus for Getting a Relative to Invest with BMO InvestorLine?

Several years ago, my husband and I did not have any self-directed investment plans. I had many of my RRSP investments at BMO, so I decided to open an InvestorLine account. After getting comfortable with their program, I started wondering if my husband should also open an account. And then, as if to encourage making a decision, BMO began a referral program. I wondered if that meant I could earn a referral bonus for getting a relative to invest with InvestorLine.

Written: 2012
Reviewed: 2023
Revised 2020; 2023

The referral bonus program BMO was offering at that time (in 2012) included a $100 cash bonus for the person making the referral, and a $50 cash bonus for the person starting the new InvestorLine account. More recently in 2022, they only offered $50 each.

Are Spouses Eligible for InvestorLine Referral Bonuses?

I scrutinized all of the fine print and could not find a disclaimer stating that spouses were not eligible for the bonus.

So figuring it really didn’t matter too much one way or the other, my husband applied for a BMO InvestorLine RRSP account and used my referral information.

Did It Payout?
Fast forward a year. I had long since given up on ever getting any referral bonus. However, my husband’s BMO InvestorLine account was working well, so everything was fine.

Then one day, 13.5 months after applying, a new line item showed up in both of our Transaction History logs. It took me a few minutes to figure it out, but it was our referral bonus!

So, yes, apparently a spouse can receive a referral bonus from BMO InvestorLine, providing there is no change to the existing rules.

Free money is always a bonus. Enjoy!

Update: in the early spring of 2020 I helped a relative apply to open a non-registered trading account, joint with right of survivorship, at BMO Investorline and they (and I) did get a referral bonus for using my referral–so it was still working in 2020.

In 2022, the program was still offered if the person making the referral had a cash/margin account at InvestorLine. So the rules change from time to time. Please always check the BMO InvestorLine website for any current information as I can’t keep up with their changes!

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Have you ever got a Referral Bonus from BMO or any other self-directed investing account? Was the referral for a friend or a relative? Were there any unexpected tricks or delays? Please share your experience with a comment.