Am I covered by Section 75?
What is covered by Section 75
Section 75 covers all credit card or store card purchases made
between £100 and £30,000.
It only applies to credit cards such as Visa or Mastercard.
Debit cards and charge cards such as American Express are not
covered.
The purchase has to have been made on a
single product or booking. For example, if you
bought a suit for £120 you'd be covered, but if you bought the
jacket and trousers separately for £70 and £50 respectively, you
would not be covered.
Some other forms of credit are covered. Finance for a sofa for
example (except if the supplier is also the creditor).
Section 75 applies even if the product or service was only
partly paid for with a credit card. For example, if you purchased a
games console for £200, £20 of which was put onto your credit card
and the rest paid by debit card, you'd be able to claim a refund
under Section 75.
More examples of Section 75 coverage:
- If you buy goods from a retailer but the retailer goes into
administration before the goods are delivered.
- If building work on your home was not up to standard.
- If you order some furniture from a store overseas via the
internet but the goods never arrive.
Basically, any goods or services which turn out to be faulty,
fail to materialise, are of poor quality, or were mis-sold to you
in any other way, are covered.
How to make a claim under
Section 75
Claims Financial