How to Make a Section 75 Claim Against Your Credit Card
If you paid for goods or services using your credit card and something went wrong, you might be protected by Section 75 of the Consumer Credit Act 1974. This powerful law makes your credit card provider equally responsible with the retailer for breaches of contract or misrepresentation. It's a vital safety net for UK consumers.
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Under Section 75 of the Consumer Credit Act 1974, your credit card provider shares joint liability with the retailer or service provider. This means if you buy goods or services costing between £100 and £30,000, and there's a problem, you can claim your money back from the credit card company. This applies even if you only paid a deposit on your card, as long as the total purchase price was within the limits.
Step by step
- 1Attempt to resolve the issue directly with the retailer or service provider first. Keep records of all communication, including dates, times, and what was discussed.
- 2Gather all relevant evidence. This includes proof of purchase, credit card statements, receipts, photos or videos of faulty items, and any correspondence with the retailer.
- 3Contact your credit card provider. Explain the situation clearly, stating you wish to make a Section 75 claim. Provide all your evidence and detail why you believe the retailer is in breach of contract.
- 4If your credit card provider rejects your claim and you believe they are wrong, you can escalate your complaint to the Financial Ombudsman Service (FOS). They offer a free, independent service to resolve disputes between consumers and financial firms.
What they'll say, and your comeback
“You need to contact the retailer first.”
Comeback, I have already attempted to resolve this with the retailer without success, or the retailer is no longer trading. My card provider has joint liability under Section 75 of the Consumer Credit Act 1974.
“You didn't pay the full amount on the card.”
Comeback, Section 75 applies if any part of the purchase price, between £100 and £30,000, was paid by credit card, making the card provider jointly liable for the entire amount.
“It's outside the time limit.”
Comeback, The statutory time limit for making a claim under Section 75 is generally six years from the date of purchase or when the issue became apparent, and my claim falls within this period.
FAQ
What is the minimum or maximum amount for a Section 75 claim?
Section 75 covers purchases between £100 and £30,000. Even if you only paid a deposit on your credit card, as long as the total purchase price was over £100, the protection applies to the full amount.
Can I make a Section 75 claim if the company went out of business?
Yes, this is one of the key benefits of Section 75. If the retailer or service provider is no longer trading, you can still make a claim directly against your credit card provider.
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- UKHow to get a refund for a faulty product (even 'out of policy')
- UK / EUHow to get a refund when your order never arrived
- EUResolve a cross-border online purchase dispute (ECC-Net)
- SpainCómo reclamar la devolución por un producto defectuoso en España
- PortugalDevolução de produto com defeito em Portugal
- FranceProduit défectueux : garantie légale de conformité en France
A self-serve tool, not a law firm. General information, not legal advice.