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Section 75 Credit Card Claim Letter Template
How to claim under Section 75 of the Consumer Credit Act for purchases over 100 pounds — what to include, your legal rights, and a free letter generator.
← All Letter Templates · Consumer Rights · Last updated 18 August 2026
This is free rights guidance, not legal advice. For advice specific to your situation, see our About page or contact Citizens Advice.
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
See our full letter template library for related templates, or use our free checkers for guidance specific to your situation.
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