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.
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).
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 *.
Optional fields
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.