Section 75 Credit Card Claim

Section 75 of the Consumer Credit Act 1974 is one of the most powerful consumer rights tools in UK law — and one of the least used. If you paid for goods or services costing between £100 and £30,000 using a credit card, and the retailer has breached the contract or misrepresented what you were buying, your credit card provider is jointly and severally liable alongside the retailer. That means you can claim directly from your bank or card issuer — even if the retailer has gone into administration.

The key word is "jointly." Your card provider cannot simply pass your claim back to the retailer or wait to see what the retailer does. They share full legal responsibility from the moment you make your claim. This applies even if you only paid a deposit by credit card — the whole purchase is covered.

PostRight's Section 75 template guides you through every detail your card provider needs: the purchase date, the nature of the breach or misrepresentation, what you have already tried with the retailer, and the specific remedy you are seeking. The completed letter is then printed and posted by Royal Mail — creating the formal paper trail that credit card dispute teams are required to act on under FCA rules.