What is Section 75?
Section 75 is a vital consumer protection guarantee that was written into the Consumer Credit Act 1974. It obliges your credit card provider to assume joint financial responsible for any breach of contract or misrepresentations by a retailer or trader. Section 75, therefore, enables you to make claims against your credit card company so you can get your money back if you have been disappointed by retailers or traders who are not honouring their contractual and legal agreements.
What to Do if You Have a Section 75 Claim?
If you feel that your situation is covered under Section 75, as outlined below, contact MyChargeBack as soon as possible. Our team of specialists has one aim: to make claiming as easy and stress-free as possible for you.
- No win, no fee – it’s as simple as that.
- No upfront payment.
- We have a track record of success.
- We are authorised and regulated by the Financial Conduct Authority.
When Can You Claim under Section 75?
Claims can be made under Section 75 if the value of the goods or service is over £100 but less than £30,000. However, you can still claim even if you have not paid the full amount. For example, if you book a cruise that costs £1,000 but have only paid a £85 deposit using your credit card and the rest by other means, you would still be covered for the whole amount if the cruise was cancelled for any reason and you were unable to go.
What Other Issues Are Covered under Section 75?
There are a variety of unfortunate instances that can happen but luckily Section 75 enables you to make a claim. For example:
- If your goods do not arrive or are in a different condition to what was described at the time of purchase.
- Any associated costs, for example, if a company went bankrupt* while you were on holiday and you had to book new flights with a different company – this should be covered.
- Foreign transactions, including goods bought online for delivery to the UK from overseas.
- A now closed credit card account.
- Store cards.
*Further Information if the Supplier Ceases Trading
To go into more depth, Section 75 is particularly valuable when the supplier is no longer trading. This may be for several reasons, including bankruptcy or falling into administration. Whatever the reason, you are still entitled to make a claim as you normally would and they are still obligated to pay out if it is determined that they have breached the contract, in any way.
For example, if you paid for a flight ticket that cost over £100 but the company went bankrupt before the flight date. You did not go on the flight; therefore, there has been a breach of contract and you can claim for a refund from the credit card company instead.
What Does it Not Cover?
Unfortunately, Section 75 does not cover everything. Below is an outline of what would not fit the criteria:
- If the payment does not have a direct link to the company, you are claiming against. (PayPal may be an exception if there is a ‘Commercial Entity Agreement’ with the credit card company.)
- Taking out cash from the credit card account and using the cash as the method of payment.
- Each individual product must cost over £100 – not the total transaction.
- If the faulty item is still under a manufacturer warranty, you need to make direct contact with the manufacturer first,
If you decide to proceed with us, we will begin with an initial consultation, which is completely free of charge, and we will go over your claim and discuss the viability. Even if you do have a viable claim, you should not feel pressured to continue with us; we are here to discuss your options and, most importantly, to reassure you.
Where we obtain a successful refund our fee will be 30% plus VAT of that award (e.g. if the award was £1,000, the fee would be £300 + VAT), but in the event that we were unable to obtain a refund on your claim, no fee would be payable. A fee may be payable if you cancel after the cooling-off period or if we are successful in reclaiming any redress. You may be charged a cancellation fee for any work we have done as per our T&Cs.