Section 75
Protection for your credit card purchases
Paying with your credit card may give you added security if things go wrong. Here's the lowdown on Section 75 of the Consumer Credit Act 1974, a handy UK consumer protection law.
Section 75 in a nutshell
If something goes wrong with a transaction you've made, for example if goods or services purchased aren't as agreed, you may have the right to claim under Section 75. You can usually claim up to 6 years from the original transaction date.
Pay a deposit and you're covered
To qualify, your goods or services purchased must have cost over £100, but not more than £30,000. You only need to pay a small amount on a credit card though, such as a deposit, and your whole purchase may be covered.
What's not covered?
Delivery costs and booking fees may not count towards the total purchase price. So Section 75 would not cover a £99 concert ticket with a £5 booking fee, as there's no single item that's worth over £100.
If you paid in full on a debit card, Section 75 does not apply. You may be able to seek a chargeback instead. Certain types of transactions, such as cash withdrawals, money transfers and gambling are not covered by Section 75.
Your payment needs to be direct to the merchant
There needs to be a direct link between you and the merchant for Section 75 to apply. That means you may not be able to claim if you've used a third-party payment processor, such as PayPal.
Chargebacks
As well as claiming under Section 75, you may also have the right to seek a chargeback in relation to a transaction gone wrong. Chargebacks are requests for a refund from the merchant. We can handle your chargeback request directly with the merchant, on your behalf.
Unlike Section 75 claims, there are no cost thresholds for chargebacks, which means purchases worth less than £100 may still be covered. You normally need to claim for a chargeback within 120 days of your purchase or intended delivery date.
Making a claim
First...
It might be quicker and easier to contact the merchant first to request a refund.
Make sure you save any correspondence you have with the merchant (for example, email conversations), to support your claim. If the company has gone bust, or they're not able to help, we may be able to.
For travel related claims, you may actually be able to claim on your travel insurance instead. It's also worth checking if your booking is ABTAopens in a new tab or ATOLopens in a new tabprotected and if so, what cover that could provide.
Please bear in mind that some companies have clauses in their contracts, which limits their liability for changes and cancellations to bookings out of their control. If so, you wouldn't be covered by Section 75, but you may still have the right to a chargeback.
Second...
Please complete one of the forms below. We'll do the rest.