What purchases qualify for a Section 75 claim?

Section 75 of the Consumer Credit Act 1974 applies to credit card purchases between £100 and £30,000. It does not cover debit card transactions, which are handled via chargeback. Additionally, it may not apply if a third party, such as PayPal, processed the payment, so you should check your card terms to confirm eligibility.

Who is liable if a supplier fails to deliver goods?

Under Section 75, the credit card issuer is jointly and severally liable with the supplier for any breach of contract or misrepresentation. This means you can make a claim directly against your credit card provider if the retailer fails to deliver goods, supplies faulty items, or goes into administration.

What information should I include in my claim letter?

You should include your card details, the supplier's name, a description of the goods, the purchase date, and the amount charged. You must also describe the specific breach of contract, detail the steps you have already taken to resolve the issue with the supplier, and state the amount you are claiming.

What should I ask for in my Section 75 letter?

The letter template requests that the credit card issuer credit your account with the claimed sum, investigate the claim under their Section 75 obligations, and respond within 30 days. You should attach supporting evidence, such as order confirmations, credit card statements, and any correspondence with the supplier.

← All Templates

Consumer

Consumer Law

Updated 2026-04-17

Section 75 Credit Card Claim Letter

Make a claim against your credit card issuer under Section 75 of the Consumer Credit Act 1974 where a supplier has failed to deliver goods or services.

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

Use this when a retailer or service provider has breached their contract (e.g. failed to deliver, supplied faulty goods, gone into administration) and you paid for the goods or services using a credit card, for a purchase between £100 and £30,000. Section 75 makes the credit card issuer jointly and severally liable with the supplier.

When NOT to use this template

Section 75 does not apply to debit card purchases (use chargeback instead). It does not apply to purchases under £100 or over £30,000. It does not apply where a third party processed the payment (e.g. PayPal transactions may not be covered — check your card terms).

Legal Basis

Consumer Credit Act 1974, s.75 (liability of creditor for misrepresentation and breach of contract by supplier). The credit card issuer is jointly and severally liable with the supplier for the breach. Section 75A applies to linked credit agreements (e.g. store finance over £30,000).

Before you send

Claiming against the bank before first trying to resolve the matter with the supplier
Not providing evidence of the supplier's breach (e.g. proof of non-delivery, correspondence with supplier)
Using Section 75 for debit card purchases — debit cards are covered by chargeback, not s.75

Common Mistakes to Avoid

✗Claiming against the bank before first trying to resolve the matter with the supplier
✗Not providing evidence of the supplier's breach (e.g. proof of non-delivery, correspondence with supplier)
✗Using Section 75 for debit card purchases — debit cards are covered by chargeback, not s.75
✗Claiming for a purchase under £100 — the statutory protection only applies above £100

Build Your Letter

Fill in your details

Complete the fields below. Required fields are marked with *.

Your full name*

Your address*

Your email address*

Date of letter*

Credit card issuer name*

Card issuer's address*

Last 4 digits of your card*

Supplier / retailer name*

Description of goods or services*

Date of purchase*

Amount paid on credit card (£)*

Description of the supplier's breach*

Steps you have already taken with the supplier*

Amount you are claiming (£)*

Optional fields

Card type

Transaction reference (if known)

Basis of amount claimed

Documents you are enclosing

Letter preview

[YOUR FULL NAME]
[YOUR ADDRESS]
[YOUR EMAIL ADDRESS]

[DATE OF LETTER]

Section 75 Claims Department
[CREDIT CARD ISSUER NAME]
[CARD ISSUER'S ADDRESS]

---

Dear Sir or Madam,

**SECTION 75 CLAIM — CONSUMER CREDIT ACT 1974**

I write to make a formal claim under Section 75 of the Consumer Credit Act 1974. This section makes you, as the credit provider, jointly and severally liable with the supplier for any breach of contract or misrepresentation in connection with this purchase.

**My card details**

Card type: [CARD TYPE]
Last 4 digits of card: [LAST 4 DIGITS OF YOUR CARD]
Account holder name: [YOUR FULL NAME]

**Details of the purchase**

Supplier name: [SUPPLIER / RETAILER NAME]
Description of goods/services: [DESCRIPTION OF GOODS OR SERVICES]
Date of purchase: [DATE OF PURCHASE]
Amount charged to my credit card: £[AMOUNT PAID ON CREDIT CARD (£)]
Transaction reference (if known): [TRANSACTION REFERENCE (IF KNOWN)]

**The supplier's breach of contract**

I have a claim against the supplier on the following grounds:

[DESCRIPTION OF THE SUPPLIER'S BREACH]

**Steps already taken**

[STEPS YOU HAVE ALREADY TAKEN WITH THE SUPPLIER]

**Claim**

I request that you:

1. Credit my account with the sum of £[AMOUNT YOU ARE CLAIMING (£)] representing [BASIS OF AMOUNT CLAIMED].
2. Investigate this claim under your Section 75 obligations.
3. Respond to this claim within 30 days.

I attach the following evidence in support of this claim:

[DOCUMENTS YOU ARE ENCLOSING]

Yours faithfully,

[YOUR FULL 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.

Related Guides

Consumer Complaint

Related Rights

Consumer

Official Resources

Which? — Section 75 Explained →

Frequently asked questions

What purchases qualify for a Section 75 claim?: Section 75 of the Consumer Credit Act 1974 applies to credit card purchases between £100 and £30,000. It does not cover debit card transactions, which are handled via chargeback. Additionally, it may not apply if a third party, such as PayPal, processed the payment, so you should check your card terms to confirm eligibility.
Who is liable if a supplier fails to deliver goods?: Under Section 75, the credit card issuer is jointly and severally liable with the supplier for any breach of contract or misrepresentation. This means you can make a claim directly against your credit card provider if the retailer fails to deliver goods, supplies faulty items, or goes into administration.
What information should I include in my claim letter?: You should include your card details, the supplier's name, a description of the goods, the purchase date, and the amount charged. You must also describe the specific breach of contract, detail the steps you have already taken to resolve the issue with the supplier, and state the amount you are claiming.
What should I ask for in my Section 75 letter?: The letter template requests that the credit card issuer credit your account with the claimed sum, investigate the claim under their Section 75 obligations, and respond within 30 days. You should attach supporting evidence, such as order confirmations, credit card statements, and any correspondence with the supplier.