Make a Section 75 claim for goods or services not provided

If you paid for goods or services on a credit card and they were never provided, for example a retailer went bust, a holiday was cancelled or a trader simply didn't deliver, Section 75 of the Consumer Credit Act 1974 can be a powerful route to your money back. It makes your credit card provider jointly liable with the seller, so you can claim from the card company even if the seller has disappeared. This is one of the strongest consumer protections in the UK, provided your purchase falls within the qualifying price range.

Reviewed by Corey Musa, Founder·Last reviewed June 2026·LinkedIn

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Your rights

Section 75 of the Consumer Credit Act 1974 makes a credit card provider jointly and severally liable with the supplier for breach of contract or misrepresentation, where the cash price of a single item or service is more than £100 and no more than £30,000. This covers non-delivery, a company going into administration, and services not provided as agreed. Importantly, you only need to have paid part of the cost on the credit card (even a deposit) for the whole transaction to be covered, and there must be the right 'debtor-creditor-supplier' link. Section 75 does not apply to debit cards or most prepaid cards, where the voluntary chargeback scheme may instead help. If your card provider rejects a valid claim, you can escalate to the Financial Ombudsman Service.

Step by step

1Gather evidence: the order confirmation, proof of payment on your credit card, any contract or advert, and a record of the goods or services not being provided.
2Try to resolve it with the seller first if they're still trading; if they've ceased trading or won't respond, note that and move to your card provider.
3Submit a written Section 75 claim to your credit card provider, stating the breach of contract (non-provision), the amount, and that the cash price is over £100 and not over £30,000.
4If the provider rejects a valid claim or delays unreasonably, refer the complaint to the Financial Ombudsman Service, which can review it for free.

What they'll say, and your comeback

“You need to claim from the retailer, not us.”

Comeback, Under Section 75 of the Consumer Credit Act 1974 you are jointly liable with the retailer. I'm entitled to claim the full amount directly from you as my card provider, regardless of the seller's situation.

“You only paid the deposit on the credit card, so Section 75 doesn't apply.”

Comeback, Section 75 applies to the whole transaction even if only part, such as a deposit, was paid on the credit card, provided the cash price is over £100 and not over £30,000. The full claim stands.

“The company has gone into administration, so there's nothing we can do.”

Comeback, That's precisely when Section 75 protects me. Because you are jointly liable with the supplier, I can recover from you even though the company has failed. Please process the claim.

FAQ

What's the difference between Section 75 and chargeback?

Section 75 is a legal right for credit card purchases over £100 and up to £30,000, making the provider jointly liable. Chargeback is a voluntary card-scheme process (covering debit cards and amounts outside the Section 75 limits) with no legal force and shorter time limits, so use Section 75 where you can.

Is there a time limit?

There's no rigid deadline, but you should claim promptly. A Section 75 claim is for breach of contract, so it's generally subject to the ordinary limitation period (commonly six years in England and Wales, five years in Scotland), but card providers expect you to act as soon as the problem is clear.

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A self-serve tool, not a law firm. General information, not legal advice.