Section 75 Consumer Credit Act – What It Means for You

Section 75 sits in the UK Consumer Credit Act and gives you extra protection when you buy something on credit. If the seller can’t fix a problem, the credit card company steps in. It works for purchases between £100 and £30,000 and covers everything from gadgets to furniture.

When Does Section 75 Apply?

First, you need a credit agreement – a credit card, store card, or hire‑purchase plan. The agreement must be with a UK‑based lender. Second, the item must be a tangible good or a service that you paid for using that credit. If you bought something online, over the phone, or in a shop, you’re covered as long as the price fits the range.

It does not cover cash withdrawals, gambling, or insurance. Also, if the seller goes out of business, you can still claim from the lender, but you’ll need proof of purchase.

How to Make a Section 75 Claim

Gather evidence: receipt, credit card statement, and any communication with the seller. Write a clear letter or email to your card issuer stating the problem, what you want (refund, repair, or replacement), and attach the evidence. Keep the tone polite but firm.

Give the lender a reasonable deadline – usually 14 days. If they accept, they’ll contact the seller and arrange a solution. If they reject, ask for the reason in writing. You can then raise a complaint with the Financial Ombudsman Service.

Don’t wait too long. The longer you sit on it, the harder it is to prove the issue. Most card companies have an online claims form that speeds up the process.

Tip: If the problem is minor, try to resolve it directly with the seller first. Many will fix it quickly to avoid a Section 75 claim. If they refuse, your credit card provider must step in.

Remember, Section 75 does not replace your consumer rights under the Consumer Rights Act, but it adds a safety net when the seller fails to act. Use it whenever you feel stuck with a faulty purchase and the seller won’t help.