![What Is section 75 of The Consumer credit act What Is section 75 of The Consumer credit act](https://wpimg.latestdeals.co.uk/guide/wp-content/uploads/2021/06/22115756/image-62-1024x576.png)
What Is Section 75 Of The Consumer Credit Act If you used a credit card or point of sale loan to buy goods or services, then the transaction could be covered under section 75 of the consumer credit act 1974. this lets you raise a claim against your bank or lender for a breach of contract or misrepresentation by the supplier of goods or services. This all comes from section 75 of the consumer credit act 1974, which why it has the rather uninspiring name section 75.the act rather impenetrably says… 75. — (1) if the debtor under a debtor creditor supplier agreement falling within section 12(b) or (c) has, in relation to a transaction financed by the agreement, any claim against the supplier in respect of a misrepresentation or breach.
![Explaining section 75 of The Consumer credit act Explaining section 75 of The Consumer credit act](https://chargebacks911.com/wp-content/uploads/2018/07/Section-75-fb.jpg)
Explaining Section 75 Of The Consumer Credit Act Under section 75 of the consumer credit act you can claim a refund from your credit card provider if you buy something costing more than £100 and that item doesn’t arrive, turns up faulty or the supplier goes bust. this applies even if you have since cancelled your credit card. Under section 75 of the consumer credit act 1974, the credit card company is jointly and severally liable for any breach of contract or misrepresentation by the retailer or trader. this means it is just as responsible as the retailer or trader for the goods or service supplied, allowing you to also put your claim to the credit card company. What is section 75? it’s part of the consumer credit act 1974 that means your credit card provider is jointly and severally responsible for any breach of contract or misrepresentation by a retailer or trader. it allows you to make a claim against your credit card company to get your money back if a retailer or trader lets you down and refuses. Section 75 spending limits. to qualify for protection under section 75, you need to use your credit card to pay for something costing between £100 and £30,000. this protection doesn't apply to anything you buy using a debit card. the £100 minimum amount applies to each item or set of items you buy, rather than the total bill.
![section 75 Of The Consumer Credit Act How To Claim section 75 Of The Consumer Credit Act How To Claim](https://www.choose.co.uk/img/editorial/700x464/img218923.jpg)
Section 75 Of The Consumer Credit Act How To Claim What is section 75? it’s part of the consumer credit act 1974 that means your credit card provider is jointly and severally responsible for any breach of contract or misrepresentation by a retailer or trader. it allows you to make a claim against your credit card company to get your money back if a retailer or trader lets you down and refuses. Section 75 spending limits. to qualify for protection under section 75, you need to use your credit card to pay for something costing between £100 and £30,000. this protection doesn't apply to anything you buy using a debit card. the £100 minimum amount applies to each item or set of items you buy, rather than the total bill. The item or service you purchase must be over £100 or under £30,000 to make a claim. in most cases, if you pay for goods or services where you used your credit card to fund an account with a third party provider, section 75 does not apply. a section 75 claim can be for the total cost of your item even if you use your credit card for part. Making a claim under section 75. to get money back under section 75 cardholders first need to contact their credit card provider (barclaycard, natwest, capital one etc.) and tell them they intend to make a claim. the law is very clear: credit card providers and retailers are equally liable for the delivery of goods.