Section 75 credit card claims are not an automatic right of recourse, and paying on your credit card doesn't guarantee repayment by your credit provider. However, your credit card provider advancing an unsighted credit loan against your purchase protects your payment under the 1974 Consumer Credit Act.
Some credit card providers are more sympathetic than others and take differing views on protecting consumers through their Section 75 claims processes and departments. Whilst there are no official figures on how many section 75 claims are rejected by banks, based on our experience, we are fully aware of those that can make it very difficult for a consumer to get their money back.
Making a Section 75 credit card claim is a chance to recover your money if you have been missold or misrepresented by the supplier of your services or goods. Thousands of consumers make Section 75 claims every year; however, not all of them are upheld by credit card companies or banks. Many of these rejected claims could have been avoided with the correct advice and support from our team of experts. Knowing what to say and implementing the proper legal arguments could be the difference between winning and losing your case.
Contact us if you want to be represented by consumer credit reclaim experts. We will assess your case and tell you your chances of success.
What's a Section 75?
A section 75 claim is when you claim a refund from the bank or credit card provider you used to pay for your purchase. Consumer credit claims can be made for several reasons, as listed below.
- Scams/Fraud
- Non-supply of goods and services
- Business closure
- Breach of contract
- Negligence