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Under the chargeback scheme, a voluntary arrangement to which Visa, Mastercard and Amex are members, consumers who have paid by card can ask the provider to refund them within 120 days of making a payment for failed services, faulty goods or fraud by a merchant.

Factory Transmedia Ltd, based in Altrincham, Greater Manchester, has been put into a creditors' voluntary arrangement.

A voluntary arrangement is currently in place which means every High Street should have free access to cash within 1km.

She was passed on to another company, which signed her up to an Individual Voluntary Arrangement - a court-approved debt solution in which debts are combined into a single monthly payment.

"The resettlement team ensured everyone understood this was a voluntary arrangement and that rooms were available should they decide to stay."