Section 75 Credit Card Claim Letter Template & Generator

If you need to claim under Section 75 of the Consumer Credit Act for purchases over 100 pounds, a written letter is the recommended first step — it creates a clear record and shows you're pursuing the matter formally. Below is what a strong section 75 credit card claim should include, plus a free tool to generate yours.

What this letter needs to cover

• Identify the transaction with date
• Amount
• Merchant and card details
• Confirm the purchase was between 100 and 30
• 000 pounds and paid wholly or partly by credit card
• Reference Section 75 of the Consumer Credit Act 1974 making the card provider jointly and severally liable with the merchant
• Request a refund of the full amount

Why Section 75 is such a powerful protection

Section 75 of the Consumer Credit Act 1974 makes your credit card provider equally liable, alongside the retailer, for breaches of contract or misrepresentation on qualifying purchases. This means you can claim directly from your card provider even if the retailer has gone out of business, is based abroad, or simply refuses to engage — the credit card company can't avoid liability just because the retailer won't cooperate.

What to include before you send it

• The purchase details — date, amount, retailer, and what you bought
• A clear explanation of what went wrong — faulty goods, non-delivery, or misrepresentation
• Confirmation that the item cost between £100 and £30,000 (Section 75's qualifying range)
• What you've already tried with the retailer directly, and the outcome

A detail that catches people out

Section 75 applies even if you only paid part of the cost on your credit card — for example, a £50 deposit on a £500 item is enough to trigger the protection for the full amount, provided the total transaction value falls within the qualifying range. This surprises a lot of people who assume the entire purchase needed to go on the card.

Frequently Asked Questions

Does this work for debit cards?
No — Section 75 specifically applies to credit cards. Debit card purchases may be covered by chargeback instead, which works differently and isn't a legal right in the same way.

What if my card provider refuses to accept the claim?
You can escalate through their formal complaints process and, if unresolved, refer the matter to the Financial Ombudsman Service.

See our full letter template & generator library for related letters, or use our free checkers for guidance specific to your situation.