Section 75 Credit Card Claims

What is Section 75?

Section 75 of the Consumer Credit Act 1974 makes your credit card provider jointly and severally liable with the retailer or supplier for any breach of contract or misrepresentation, provided:

• The cash price of the item is between £100 and £30,000
• You paid using a credit card (not debit card)
• There is a valid debtor-creditor-supplier arrangement

When Can You Use It?

You can make a Section 75 claim when:

• Goods are faulty - The item doesn't match its description, isn't of satisfactory quality, or isn't fit for purpose
• Services are substandard - The service wasn't performed with reasonable care and skill
• Misrepresentation - You were told something about the product/service that turned out to be false
• Non-delivery - Goods or services were paid for but never received
• Company has gone bust - The supplier has ceased trading

How to Make a Section 75 Claim

Step 1: Gather Evidence

• Proof of purchase (receipt, order confirmation)
• Credit card statement showing the transaction
• Evidence of the breach (photos, expert reports, correspondence)

Step 2: Write to Your Credit Card Provider

Your letter should include:

• Your account details
• Description of the purchase
• What went wrong
• The specific breach (contract or misrepresentation)
• What you want (refund, repair costs, consequential losses)

Step 3: Follow Up

• They have 8 weeks to provide a final response
• If rejected or no response, escalate to the Financial Ombudsman Service

Key Points to Remember

• You don't need to claim from the retailer first - you can go straight to the card provider
• Consequential losses are covered - not just the purchase price
• Part payment counts - even if you only paid a deposit by credit card
• The £100 minimum is the item price, not what you paid on the card
• Section 75A covers similar protections for debit card transactions over £100 (chargeback is different)

EvenStance Can Help

EvenStance can generate your Section 75 claim letter, track your deadline, and guide you through the escalation process if your claim is rejected.