MSE has a news item
here where it mentions your rights, and I quote:-
Can I get my money back?Many users are out of pocket by £20, especially those who bought a Sim card recently as they may have yet to use the service. Some may have also lost cash after buying extra credit.
Here are the steps you can try to get a refund:
Paid on credit or debit card? You may be able to get a refund via a
Chargeback from your card provider. This covers purchases if you make a claim within 120 days of buying the goods. There is no guarantee of success, given your card firm may argue you got some use from your Sim, though it is worth a try. MSE forum user coolsteel posted this morning: "Just rang my bank and they said I am entitled to chargeback."
Paid via a PayPal account? You need to claim via its online dispute centre. Its rules state where you don't get the service expected, you must raise an initial dispute via Paypal within 45 days of purchase. Paypal puts the two sides together, but in this case there is no company in existence, so after making the first attempt which must still be made, you have to move onto stage two which is to escalate the claim.
This must be within 20 days of the initial claim. Paypal will then make a ruling itself and may fork out its own cash to cover it, though it stresses there are no guarantees. We have already seen mixed success rates from customers who have posted on our forum.
As each purchase was less than £100, you aren't protected under
Section 75 of the Consumer Credit Act if you paid by credit card, which is stronger protection as it is enshrined in law.