How do I make a claim under Section 75?
Get a refund with Section 75
In some cases it is best to contact the retailer first to ask
for a refund as most stores and companies have refund policies.
However in instances where it's difficult to contact the
retailer (e.g. they've gone bust, they're based abroad), or if your
first offer of a refund was inadequate, then you can contact the
credit card provider directly and demand a full refund under
Section 75.
To make a successful claim against your credit card provider
just follow these simple steps:
- Contact your credit card provider in writing and explain that
you'd like to request a refund under Section 75 of the Consumer
Credit Act 1974.
- Specify what the problem is (e.g. whether the product was
faulty or has not been delivered etc).
- Include details such as the date of purchase, the retailer or
service provider you made the purchase with, the products or
services you paid for with the credit card and their total value -
it can be useful to include copies of any receipts or other
paperwork you have relating to the transaction.
- If you tried to resolve the issue with the retailer without
success make sure to include copies of any correspondence you have
with them.
- Specify that you expect a reply within 14 days.
Some credit card companies provide Section 75 forms which you
can fill out and then send back to them with any supporting
documents. To obtain one of these just call your credit card
provider and request one.
Remember, getting a refund under Section 75 is a legal
entitlement that should, in theory, always be
successful. Good luck.
Claims Financial