Section 75 Claim Letter | Consumer Claims Handbook

#When Section 75 Applies

✅ You paid by credit card (not debit, not PayPal, not Buy Now Pay Later)

✅ The item/service cost between £100 and £30,000

✅ You paid at least part of the price on credit card (even £1)

✅ There was a breach of contract or misrepresentation

#Examples of Valid Claims

Goods didn't arrive
Goods were faulty or not as described
Service wasn't provided as promised
Company went bust before delivering
Holiday/flights cancelled without refund
Faulty car from a dealer

#Template Letter

[Your Name]
[Your Address]
[City, Postcode]
[Your Email] | [Your Phone Number]
[Date]

Section 75 Claims Department
[Credit Card Provider Name]
[Address]
[City, Postcode]

Subject: Section 75 Claim – Breach of Contract / Misrepresentation
Card Number (last 4 digits): XXXX XXXX XXXX [XXXX]

Dear Sir/Madam,

I am writing to make a claim under Section 75 of the Consumer Credit Act 1974.

#Transaction Details

Merchant/Supplier: [Name of company you bought from]
Date of purchase: [Date]
Amount paid: £[Total amount]
Amount paid by credit card: £[Amount on card]
Description: [What you bought]

#What Went Wrong

[Choose the relevant option and adapt:]

Option A – Goods Not Received:

I ordered [description] on [date] and paid £[amount] by credit card. The goods were due to be delivered by [date] but have never arrived. I have contacted the supplier on [dates] but have been unable to resolve this. This is a breach of contract.

Option B – Goods Faulty/Not as Described:

I purchased [description] on [date]. The goods are [faulty / not as described] because [explain the problem]. Under the Consumer Rights Act 2015, goods must be of satisfactory quality and as described. This is a breach of contract.

Option C – Service Not Provided:

I paid £[amount] for [service description] on [date]. The service was not provided because [explain – e.g., company cancelled, company went bust, service was substandard]. This is a breach of contract.

Option D – Misrepresentation:

I purchased [item/service] based on representations made by the seller that [describe what they said]. This turned out to be untrue because [explain]. I would not have made this purchase had I known the true position.

#Attempts to Resolve

I have tried to resolve this with the supplier:

[Date]: [Action taken – e.g., "Emailed requesting refund"]
[Date]: [Response received or "No response"]
[Date]: [Further action]

[If supplier has gone bust:]

The supplier has ceased trading / entered administration and I am unable to obtain a remedy from them directly.

#My Legal Rights

Under Section 75 of the Consumer Credit Act 1974, where goods or services costing between £100 and £30,000 are purchased using a credit card, the card provider is jointly and severally liable with the supplier for any breach of contract or misrepresentation.

This means I can claim against you for the losses caused by the supplier's breach.

#What I Am Claiming

Refund of amount paid: £[Amount]
[If applicable] Consequential losses: £[Amount] for [describe – e.g., replacement costs, hotel accommodation due to cancelled flight]

Total claimed: £[Total]

#Evidence Enclosed

Copy of credit card statement showing the transaction
Receipt / order confirmation
Evidence of the problem (photos, correspondence)
Evidence of attempts to resolve with supplier
[Other relevant documents]

#Response Required

Please investigate this claim and respond within 8 weeks.

If my claim is rejected, please provide a final response letter so that I may escalate to the Financial Ombudsman Service.

Yours faithfully,

[Your Signature]
[Your Printed Name]

#Section 75 vs Chargeback

	Section 75	Chargeback
Legal right?	Yes – law	No – card scheme rules
Card type	Credit card only	Credit or debit
Min purchase	£100	No minimum
Max purchase	£30,000	No maximum
Time limit	6 years	120 days (usually)
Best for	Larger purchases, company bust	Quick resolution, smaller amounts

📊 See the full comparison: Section 75 vs Chargeback

#Common Rejection Reasons (and Responses)

They Say	You Say
"You didn't pay the full amount on card"	Only part-payment required – even £1 triggers Section 75
"It's outside the time limit"	Section 75 claims can be made up to 6 years after the breach
"You need to claim from the supplier first"	You have no obligation to pursue the supplier – joint liability means you can claim from either
"PayPal was involved"	If the credit card funded the PayPal payment, Section 75 still applies