Section 75 Explained in Plain English
Why paying by credit card can protect you when the seller will not help.
Section 75 of the Consumer Credit Act 1974 can make your credit card provider equally responsible with the seller if something goes wrong with a purchase. It is one of the strongest protections a UK consumer has.
When It Applies
- The item or service cost more than £100 and no more than £30,000 (the single item price, not the total basket).
- You paid at least part of the price on a credit card. Even a small deposit on the card can bring the whole purchase into protection.
- You are claiming for a breach of contract or misrepresentation, for example faulty goods, goods not delivered, or a business that has closed.
If You Paid by Debit Card
Section 75 does not apply, but you can ask your bank for a chargeback. It is not a legal right, but it often works. Ask soon, because there are time limits.
Free letters: Section 75 claim and chargeback request.
Want help? If you would like one of our team to look at your problem, our initial case review is free. Start your case. We cannot guarantee any outcome and we do not give legal advice.
Ready to Take Action?
Tell us what happened. Our initial case review is free.