When can I use Section 75 to claim against my credit card issuer?

Section 75 of the Consumer Credit Act 1974 makes your credit card issuer jointly liable with the retailer for goods or services costing more than £100 and not more than £30,000. This applies if the trader fails to deliver, refund, or remedy a breach. You can claim directly from the issuer because they are statutorily liable in parallel with the supplier.

Which payments are not covered by Section 75?

Section 75 does not apply to debit card payments, as these use a different chargeback mechanism without statutory equality of liability. It also excludes items costing under £100 or over £30,000, as well as cash purchases. If your payment falls into these categories, you must pursue the retailer directly or use the relevant debit card dispute process.

What should I include in my Section 75 claim letter?

You must send the letter to the issuer’s dedicated Section 75 disputes unit, not a general department. The letter should detail the transaction, the breach, and steps taken with the merchant. You should request confirmation of receipt within 14 days and a final decision within 8 weeks. If the issuer rejects the claim or fails to respond in time, you can refer the matter to the Financial Ombudsman Service.

What are common mistakes people make when making a Section 75 claim?

A common mistake is trying to claim against the retailer instead of the card issuer, as the issuer is statutorily liable in parallel. Another error is missing the six-year limitation period under the Limitation Act 1980. Additionally, sending the letter to the wrong department can delay resolution, as most issuers have a specific unit handling Section 75 disputes.

How do I explain the issuer's liability in the letter?

The claim letter should state that the transaction was for goods or services between £100 and £30,000, paid via a credit agreement. It must assert that the issuer is jointly and severally liable for breach of contract or misrepresentation. You should specify the total claim amount and provide a breakdown, such as a refund or consequential loss, to support your request.

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Consumer

Consumer Law

Updated 2026-05-21

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

Fill in your details

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

Date of letter*

Last four digits of card*

Card issuer name*

Card issuer address*

Transaction date*

Merchant name*

Transaction amount (£)*

What you paid for*

Description of what went wrong*

Steps you took with the merchant*

Total claim amount (£)*

Breakdown of claim (refund, consequential loss, etc.)*

Your name*

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.

Official Resources

Consumer Credit Act 1974 s.75 →Citizens Advice — Section 75 →

Frequently asked questions

When can I use Section 75 to claim against my credit card issuer?: Section 75 of the Consumer Credit Act 1974 makes your credit card issuer jointly liable with the retailer for goods or services costing more than £100 and not more than £30,000. This applies if the trader fails to deliver, refund, or remedy a breach. You can claim directly from the issuer because they are statutorily liable in parallel with the supplier.
Which payments are not covered by Section 75?: Section 75 does not apply to debit card payments, as these use a different chargeback mechanism without statutory equality of liability. It also excludes items costing under £100 or over £30,000, as well as cash purchases. If your payment falls into these categories, you must pursue the retailer directly or use the relevant debit card dispute process.
What should I include in my Section 75 claim letter?: You must send the letter to the issuer’s dedicated Section 75 disputes unit, not a general department. The letter should detail the transaction, the breach, and steps taken with the merchant. You should request confirmation of receipt within 14 days and a final decision within 8 weeks. If the issuer rejects the claim or fails to respond in time, you can refer the matter to the Financial Ombudsman Service.
What are common mistakes people make when making a Section 75 claim?: A common mistake is trying to claim against the retailer instead of the card issuer, as the issuer is statutorily liable in parallel. Another error is missing the six-year limitation period under the Limitation Act 1980. Additionally, sending the letter to the wrong department can delay resolution, as most issuers have a specific unit handling Section 75 disputes.
How do I explain the issuer's liability in the letter?: The claim letter should state that the transaction was for goods or services between £100 and £30,000, paid via a credit agreement. It must assert that the issuer is jointly and severally liable for breach of contract or misrepresentation. You should specify the total claim amount and provide a breakdown, such as a refund or consequential loss, to support your request.