Consumer protection rights under UK law
If you've ever been ripped off by a retailer or service
provider, and been unable to get a refund for whatever reason, you
may wonder if there are any consumer protection rights in place to
cover you. The answer may be yes - if you used a credit card to
make the purchase.
Consumer protection rights on credit cards were established by
Section 75 of the Consumer Credit Act 1974, which places the credit
card company in a position of responsibility if a retailer refuses
to grant a refund, where the customer is entitled to one, on a
purchase of anywhere between £100 and £30,000.
Such consumer protection rights mean, in essence, that if a
seller of faulty goods or services cannot be contacted or refuses
to help you, your credit card provider must refund the charge
instead.
To learn more about these consumer protection rights and how to
exercise them, you can read our free Section 75 Claims guide.
Claims Financial