Section 75 is part of the Consumer Credit Act 1974, covering certain credit card purchases between £100 and £30,000. If something goes wrong with your purchase, you might be able to get some or all your money back if:
- the company you bought the goods or services from breaks their contract with you
- you decided to buy the goods or services based on false information (also known as a misrepresentation)
- the company has gone out of business
Whether a claim is valid will depend on individual circumstances. If Section 75 doesn’t apply, you might be able to get a chargeback.
Just so you know, transactions made by an additional cardholder are not covered by Section 75.
You should make a claim within 6 years of buying the goods or services (5 years in Scotland).
Every claim is different and we review them individually. Make sure you keep anything related to your claim as we might need it during our review.
To start your claim, you’ll need:
- details of what you bought
- details of the issue with your purchase
- details of how the goods or services were sold to you (like an advert)
- the company’s terms and conditions and any contract you received
- any communication you’ve had with the company to try and sort the problem out
Before you get in touch with us to start the claim, try to sort the problem with the company first. If you don’t get anywhere with them, let us know why you’d like to raise a claim and we’ll do our best to help.
