Section 75 & Chargeback Claim Generator
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Understanding Section 75 and Chargeback
What Is Section 75?
Section 75 of the Consumer Credit Act 1974 makes your credit card provider jointly liable with the retailer when something goes wrong with a purchase. This means if a company refuses to refund you, goes bust, or fails to deliver what was promised, your credit card company must step in and make it right. The purchase must have a cash price between £100 and £30,000 to qualify. Crucially, you only need to have paid part of the cost on a credit card — even a £1 deposit on credit triggers the full protection for the entire purchase price.
What Is Chargeback?
Chargeback is a different process that works with both debit and credit cards. It is a voluntary scheme run by the card networks (Visa, Mastercard, Amex) rather than a legal right. There is no minimum amount, making it useful for purchases under £100 that Section 75 does not cover. The main limitation is time — you typically need to request a chargeback within 120 days of the transaction. Your bank asks the retailer's bank to reverse the payment. The retailer can dispute it, and the card network makes the final decision.
Time Limits and Escalation
Section 75 claims can be made up to 6 years after the purchase in England and Wales (5 years in Scotland). Your card provider should acknowledge your claim within 15 working days and aim to resolve it within 8 weeks. If they reject your claim or take too long, you can escalate to the Financial Ombudsman Service for free. The ombudsman can make binding decisions and has the power to award compensation for distress and inconvenience on top of the refund itself. Always keep copies of receipts, emails, photos of faulty goods, and records of any communication with the retailer.