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Section 75 claim to your credit card provider (UK)
England, Northern Ireland, Scotland and Wales · in English · for consumers
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15 questions · about 6 min
Made for use in England, Northern Ireland, Scotland and Wales
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For a consumer who paid all or part of the price of goods or a service costing more than £100 and up to £30,000 with a credit card, and whose trader broke the contract or misdescribed what it sold — faulty goods, nothing delivered, a firm gone bust. Under section 75 of the Consumer Credit Act 1974 the card provider is equally liable with the trader. The letter makes the claim; if the provider rejects it or has not answered within eight weeks, you can take it free to the Financial Ombudsman Service.
- Made for use in England, Northern Ireland, Scotland and Wales
- Last updated October 28, 2026
- Document in English
Where a UK document reproduces the words of legislation or of a government publication — UK, Scottish or Northern Irish — it contains public sector information licensed under the Open Government Licence v3.0.
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When to use this document
- You paid by credit card in the UK for furniture and the firm went bust.
- The retailer refuses to sort out an expensive faulty item you paid for on a credit card.
- You paid a deposit by credit card for a service you never received.
- You want to claim from your credit card company under section seventy-five.
What you fill in
The details the document asks for.
- Sender
- Sender's address
- Town or city
- Sender's postcode
- Date
- Card provider (bank or card company)
- Card provider's postal address
- Account number or last digits of the card
- Merchant
- Date of the transaction
- Description of the item
- Price
- Amount paid
- What the complaint is about
- Amount claimed
Common questions
- What is the difference between a section 75 claim and a chargeback?
- Section 75 is a legal right for credit card purchases of a single item priced over £100 and up to £30,000: the card provider answers for the trader's breach, and the usual time limit for a claim applies: six years in England, Wales and Northern Ireland, five in Scotland. Chargeback is a card-scheme rule for debit, credit and prepaid cards, for any amount, usually within 120 days, which the bank chooses to use. For a debit card or a smaller sum, use a chargeback request.
- Does section 75 apply if I paid only the deposit by credit card?
- Yes. If any part of the price was paid with the credit card, you can claim for the whole loss, provided the cash price of the single item is over £100 and not more than £30,000. It may not apply where the payment went through an intermediary, such as some payment platforms, because the link between you, the card provider and the trader is broken.
- Do I need to complain to the trader before a section 75 claim?
- No: the card provider is equally liable, and you may claim from it directly, although many providers ask what you have done with the trader, so mention it. If the provider turns you down, the Financial Ombudsman Service is free; refer your complaint within six months of the final response.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
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