# Financial Ombudsman sees rise in Section 75 and chargeback disputes

> Consumer rights · 9 June 2026

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## Summary

Travel firm failures and online shopping disputes continue to drive credit card protection claims. Section 75 covers £100.01–£30,000 purchases on credit; chargeback is a separate scheme rule with different limits.

The Financial Ombudsman Service reported a continued rise in complaints involving Section 75 of the Consumer Credit Act and credit card chargeback in the first half of 2026, driven largely by travel company insolvencies and undelivered online orders.

Section 75 makes the card provider jointly liable with the retailer for breaches of contract or misrepresentation on credit card purchases between £100.01 and £30,000 where any part of the price was paid on the card. It is a statutory right, not a goodwill gesture.

Chargeback is a Visa and Mastercard scheme that can reverse debit or credit card payments where goods or services were not provided. Time limits and evidence requirements differ from Section 75. PayPal and other wallets may have separate buyer protection.

Complain to the card provider first, in writing, citing Section 75 or chargeback as appropriate. If unresolved after eight weeks, escalate to the Financial Ombudsman Service for free. The Money Guide Section 75 guide explains how to structure a claim.

## Related topics

- [/credit/](https://moneyguide.org.uk/credit/)
- [/insurance/](https://moneyguide.org.uk/insurance/)

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