Section 75 claim letter (credit card)
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[Your name]
[Your address]
[Postcode]
[Date]

[Card issuer]
[Address]

By email: [issuer claims email]

Section 75 Consumer Credit Act 1974 — claim under joint liability

Dear Sir/Madam,

Card number ending: [last four digits]
Account holder: [your full name]
Transaction date: [DD Month YYYY]
Transaction amount: £[amount]
Retailer: [name and address]

I am making a claim against you under Section 75 of the Consumer Credit Act 1974
in respect of the above transaction. The transaction was for [brief description of
goods or services]. I paid in full / in part by credit card, the rest by [method].

The retailer is in breach of contract / has misrepresented the goods or services
because: [factual description — what was promised, what was delivered, dates of
contact, any retailer responses].

I have attempted to resolve the matter directly with the retailer on [dates and
methods]. The retailer has [refused to refund / not responded / closed down /
gone into administration].

The amount I am claiming under Section 75 is £[amount], being the cost of the
goods or services together with [any consequential losses you can evidence, e.g.
the cost of arranging replacement delivery]. I enclose copies of:

 - the credit card statement showing the transaction
 - the retailer's confirmation / order / contract
 - my correspondence with the retailer
 - [any other evidence]

Please confirm receipt of this claim within 14 days and provide a substantive
response within eight weeks, as required by the Financial Conduct Authority's
DISP rules. If the claim is rejected, please issue a final response letter so
that I may refer the matter to the Financial Ombudsman Service.

Yours faithfully,

[Your signature]
[Your printed name]


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Information only — not legal or financial advice.