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Faulty Goods Paid by Credit Card: Section 75 Claim
If the seller won't fix, replace or refund faulty goods, your credit card company can be liable. Get the letter.
1. How did you pay?
What went wrong?
Your best route
Ask your bank for a chargeback
- The item cost £100 or less, so Section 75 does not apply, but chargeback does.
- Chargeback is a card scheme rule, not a law. Most banks ask you to claim within 120 days of the payment or of the date the goods were due.
✉️ 2. Your claim letter to the card company
🧭 What to do next
- Ask the trader to put it right first, and keep their reply (or the date they ignored you).
- Send the letter to your card company (most have an online disputes form; paste the letter in). Attach receipts, photos and messages.
- Rejected, or no answer after 8 weeks? Complain to the Financial Ombudsman Service. It's free.
Rules last checked: October 2026. General information, not legal advice. 🔒 Your letter details stay on your device and are never put in share links.
✅ Rules last checked:
📚 Official sources: Financial Ombudsman Service · Consumer Credit Act 1974, s.75
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
What is Section 75?+
Section 75 of the Consumer Credit Act 1974 makes your credit card company equally responsible with the seller if something you bought goes wrong. It covers single items costing over £100 and up to £30,000 that you paid for, even partly, on a credit card.
What is a chargeback?+
A chargeback asks your bank to reverse a card payment under Visa, Mastercard or Amex rules. It works for debit and credit cards and any amount, but it is not a legal right and banks usually want you to claim within 120 days.
Does Section 75 work if I paid through PayPal?+
Usually not, because PayPal sits between you and the seller. Use PayPal Buyer Protection (within 180 days) first, then ask your card provider about a chargeback.
What if my claim is rejected?+
Ask the card company for a final response letter, then complain to the Financial Ombudsman Service. It's free and the bank must follow its decision.