Section 75 Credit Card Claim Letter
Claim against your credit card issuer under s.75 Consumer Credit Act 1974 for goods or services over £100 that the retailer has failed to provide.
This template was not drafted by a solicitor.
It is an editorial reference based on the official sources we cite. You are responsible for any document you send. For high-stakes matters (court proceedings, large sums, deportation, criminal allegations, child welfare), have a regulated solicitor review or draft your document.
When to use this template
You paid by credit card for goods or services costing more than £100 and the trader is unable, unwilling, or has refused to deliver, refund, or remedy the breach. The card issuer is jointly liable.
When NOT to use this template
Debit card payments (use chargeback instead — different mechanism, no statutory equality of liability); items under £100 or over £30,000; cash purchases.
Legal Basis
Section 75 Consumer Credit Act 1974; Financial Services and Markets Act 2000 (consumer rights of redress).
Before you send
- Trying to claim against the retailer instead of the issuer — the issuer is statutorily liable in parallel
- Missing the 6-year limitation under the Limitation Act 1980 s.5
- Sending to the wrong department — most issuers have a dedicated Section 75 unit
Common Mistakes to Avoid
- ✗Trying to claim against the retailer instead of the issuer — the issuer is statutorily liable in parallel
- ✗Missing the 6-year limitation under the Limitation Act 1980 s.5
- ✗Sending to the wrong department — most issuers have a dedicated Section 75 unit
Build Your Letter
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Letter preview
[Your Name] [Your Address] [Account number ending: [LAST FOUR DIGITS OF CARD]] [CARD ISSUER NAME] — Section 75 Disputes [CARD ISSUER ADDRESS] Date: [DATE OF LETTER] Dear Sir or Madam, Section 75 Consumer Credit Act 1974 claim — [TRANSACTION DATE] I write to make a claim under section 75 of the Consumer Credit Act 1974 in respect of a transaction made on my credit card account ending [LAST FOUR DIGITS OF CARD]. 1. Transaction Date: [TRANSACTION DATE] Merchant: [MERCHANT NAME] Amount: £[TRANSACTION AMOUNT (£)] Description: [WHAT YOU PAID FOR] 2. The breach [DESCRIPTION OF WHAT WENT WRONG] 3. Steps taken with the merchant [STEPS YOU TOOK WITH THE MERCHANT] 4. Section 75 liability The transaction was for goods/services costing more than £100 and not more than £30,000, paid using a credit agreement to which section 75 applies. You are jointly and severally liable with the supplier for breach of contract or misrepresentation. I therefore claim from you the sum of £[TOTAL CLAIM AMOUNT (£)] representing: [BREAKDOWN OF CLAIM (REFUND, CONSEQUENTIAL LOSS, ETC.)] 5. Action requested Please confirm receipt of this claim within 14 days and provide your final decision within 8 weeks. If you reject the claim, or do not respond within 8 weeks, I will refer the matter to the Financial Ombudsman Service. Yours faithfully, [YOUR NAME]
Unfilled fields appear as [FIELD NAME]. Review the letter carefully before sending. This template is a starting point — adapt it to your specific circumstances.