Section 75 Credit Card Claim Letter: Free Template and What to Include

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.

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.

[Your Name]
[Your Address]
[Your Postcode]
[Credit Card Company Name]
[Credit Card Company Address]
[Date]

Dear Claims Department,

Subject: Claim under Section 75 of the Consumer Credit Act 1974

I am writing to formally submit a claim under Section 75 of the Consumer Credit Act 1974 in respect of a purchase made using my credit card, where there has been a [breach of contract / misrepresentation] by the supplier.

The details of the transaction are:
* Merchant / Supplier Name: [Name of company paid]
* Description of Goods / Services: [What you bought]
* Total Cost of Goods / Services: £[Total cost of the item/service]
* Amount Paid by Credit Card: £[Amount charged to the card]
* Date of Transaction: [Date]
* Credit Card Account Number: [Last 4 digits of card]

The item cost more than £100 and not more than £30,000, and I paid for it wholly or partly with my credit card.

The supplier has [breached their contract / misrepresented the goods] for the following reasons:
* [State the facts, e.g., The trader went into administration before delivering the holiday / The furniture arrived severely damaged and the company refuses to replace it].

I have tried to resolve this with the supplier by [what you did and when, and what happened].

Under Section 75, your company is jointly and severally liable with the supplier for this breach of contract or misrepresentation. I am therefore claiming the sum of £[Amount you want refunded] to cover my financial loss.

Please find attached supporting evidence, including my credit card statement showing the transaction, the original order confirmation, and proof of the breach. I look forward to your confirmation that this claim is being processed.

Yours sincerely,

[Your Signature]
[Your Printed Name]