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How do I make a claim under Section 75 of The Consumer Credit Act 1974?

Section 75 of The Consumer Credit Act 1974 gives credit card customers legal rights if they’ve paid for goods or services using their credit card. It applies when the total price of the goods or services is between £100 and £30,000 and all or part of the purchase price was made using a credit card. Please note, debit cards are not covered under Section 75 of The Consumer Credit Act 1974.

If you have purchased something using your credit card, the credit card issuer and the merchant may be equally liable if there is a breach of contract or misrepresentation by the merchant against you.

We will need to show that the company has not complied with their legal obligations or has misled you. For all cases we will need the following documentation:

  • A covering letter detailing the exact nature of your claim and what you have done so far to resolve it directly with the company.
  • A copy of your invoice, contract and terms and conditions, if available
  • A copy of any additional payments made to the company that are not on your credit card
  • Any further supporting evidence, for example, a liquidation notice, copies of warranties.

We recommend that you only send in photocopies of receipts and invoices.

Contact Us

By phone:

+44(0)3457 212 212 (Call Charges) – for current account customers
+44(0)345 600 6000 (Call Charges) – for credit card customers.

By post:

Section 75 Department

Fraud Operations

PO Box 300

Skelmersdale

WN8 6NY

By fax: 01695 556928

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