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.

How to Make a Referral to BMO InvestorLine and Possibly Get a Referral Bonus

Some banks and brokerages encourage you to recommend them to your friends and family. They often reward you with a small amount of money for your recommendation. If you are a BMO InvestorLine customer, it is fairly easy for you to get some money deposited in to your InvestorLine account if a friend or relative uses your referral information when they apply to open an account for themselves. Often you both get a bonus for doing this.

Written: 2012
Reviewed: 2023
Revised: 2023

BMO InvestorLine does change the rules from time to time. Always check the most recent rules on the BMO InvestorLine website. I can’t keep up!

What Kind of Referral Code Does BMO InvestorLine Use In January 2023?

They are in the process of revising the rules again on January 29 2023! However, up till January 7, 2023 the referral code was the email address of the existing BMOIL customer that is in the customer’s Client ID Profile for their cash or margin (joint or individual), corporate or sole proprietorship account. The email has to match the one BMO InvestorLine has on their program for that account.

Also last year in 2022, you could only make a referral if you had a trading account. If you only had a RRSP, RRIF, LIRA, RESP, RDSP etc account you could not make a referral.

And in 2022, only certain types of new accounts were eligible for a referral. You could get one for opening an RRSP account, but not for opening a Locked-In Retirement Account (LIRA.)

To Check Your BMO InvestorLine Referral Email Address Under the Legacy System

In 2023, BMO InvestorLine is trying to change their look and program. It’s taking time, though. Some tasks still have to be done on the “old” or “legacy” platform. As of January 29 2023, checking your profile for your email address is still only possible on the old Legacy platform.

To check the “email address you have set up on your Client ID Profile” for your trading account at BMO InvestorLine

  1. Sign in to your InvestorLine cash or margin trading account.
  2. Click on the Legacy Platform link, if necessary.
  3. Ensure you have selected your Cash/Trading/Margin account from the account drop-down list in the top right of the screen.
  4. From the Account Services menu, find the Settings list and click on Client ID Profile.
  5. Confirm which email address is associated with your cash/trading account.
  6. Give your friends and relatives that email address and ask them to type it in the Refer a Friend promotion code field on the application form for a new InvestorLine account.

In 2022, the bonus would be deposited in 90 days + 45 days after opening and funding the new account with the required minimum amount of cash which was then $5000. So about 4 1/2 months after putting the money into the new account, both the new investor and the referring investor would get their bonus deposited into their accounts, in 2022.

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Have you received a bonus for referring another investor to your self-directed investing broker? Any tips for maximizing that bonus? Please share your experiences with a comment.