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.