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Section 75 for credit card purchases

When you use a credit card, you also have what is known as Section 75 protection. This law, which is part of the Consumer Credit Act 1974, protects you if you use your credit card to buy something costing more than £100 and up to £30,000.

If you paid with your credit card, you are legally entitled to get your money back if:

  • the product or service is faulty
  • the company you bought the product or service from breaks their contract with you, including if they go out of business
  • the company you bought the product or service from does not deliver what they have promised.

You are even able to claim if you only used your credit card to pay for part of the cost of what you bought.

The protection may also cover any losses you have over and above the original amount you paid, for example if an airline goes out of business and you need to pay additional costs to get back home. You are advised to talk to your credit card provider before incurring additional costs to see if you will be covered.

Time limit

You should make a claim within six years of buying the goods or services or, in cases of non-receipt, when you were due to receive them.

Providing evidence

To make a claim you should contact your credit card issuer with details of the purchase, along with any contract you were given and any other correspondence you have had when trying to fix the problem.

What's not covered by Section 75

There are a few circumstances where Section 75 does not apply. These include:

  • the purchase of any land
  • goods or services paid for by a secondary cardholder
  • hire purchase agreements e.g. car finance
  • where goods or services are bought through intermediaries.

Intermediaries include buying through a payment platform like PayPal, through an online marketplace retailer like Amazon (when you are buying a third party’s goods through Amazon), or through an aggregator like Expedia, which sells on flight and hotel bookings. Agencies like these often have their own payment protection systems in place.

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