Section 75 claim letter (credit card)

Before you send it

• Only purchases of more than £100 and up to £30,000 qualify. The credit-card payment can be a deposit — the whole purchase is then covered.
• Address the letter to the card issuer (not the retailer) and send by email or post with proof of sending. Keep a copy.
• Send within a reasonable time once the breach or misrepresentation is clear. There is a statutory limitation period of six years in England, Wales and Northern Ireland (five in Scotland).
• If the issuer rejects the claim or doesn't respond in eight weeks, you can escalate free to the Financial Ombudsman Service.

The template

Square brackets mark fields to replace with your own details.

[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]