Section 75 claim letter to your credit card issuer under the Consumer Credit Act 1974. For purchases between £100 and £30,000 where the supplier has failed. From £4.99.
Section 75 of the Consumer Credit Act 1974 makes a credit card issuer jointly and severally liable with a supplier for breaches of contract or misrepresentation where the cash price of the item was between £100 and £30,000 and the credit card was used directly with the supplier. The claim is made against the card issuer — not the supplier — and the issuer is equally liable regardless of which party was at fault.
When you have bought something by credit card between £100 and £30,000 and the supplier has breached the contract or made a misrepresentation — for example, a retailer has sold a defective product and refused to provide a remedy, a service provider has failed to deliver what was promised, a company has gone insolvent, or an item ordered online did not match its description. Section 75 is the most powerful consumer protection tool in the UK — it shifts the liability to the bank.
Identification of the purchase, the credit card used, and the supplier; the nature of the breach of contract or misrepresentation; the remedy sought from the credit card issuer under section 75 CCA 1974; confirmation that the purchase price was between £100 and £30,000; a response deadline; and the escalation route to the Financial Ombudsman Service if the issuer declines to act, including the 8-week FCA DISP window.
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