What is Section 75, in general?

Section 75 of the Consumer Credit Act 1974 can make a credit card company jointly responsible with the supplier for a breach of contract or misrepresentation, in the cases the Act covers. MoneyHelper says this is for credit-card purchases costing more than £100 and up to £30,000, including where only part of the price was paid on the card.

Does Track All Parcels tell me if Section 75 applies?

No. This page is general information. It is not a view on your card, your retailer, or whether an intermediary such as PayPal broke the link the Act requires. Ask your card provider and read MoneyHelper.

Can I buy a Section 75 letter here?

No. We do not sell a Section 75 letter, we do not complete one for you, and we do not make the claim.

Free information

Section 75

Track All Parcels publishes general information and template letters you send yourself. It is not legal advice and it is not a claims management company. We do not contact couriers, retailers or banks for you, and we do not make claims for you.

Section 75 is a rule in the Consumer Credit Act 1974. It is not a parcel-tracking product, and it is not the same thing as a complaint to a courier or a retailer.

MoneyHelper’s card-protection guide says Section 75 can cover a credit-card purchase costing more than £100 and up to £30,000, and that paying only a deposit on the card can be enough for the purchase price to be in scope. It says the card company has equal responsibility with the seller if the goods or services are not supplied, are not up to standard, or were misrepresented. It also says the £100 test is per item, not always the whole till receipt.

A different MoneyHelper page, how to sort a problem with a payment, says there is no time limit on making that type of claim, and that a bank should tell you the outcome within eight weeks. Court time limits are a separate question. We are not advising you on either.

MoneyHelper also says Section 75 usually does not apply when you pay through PayPal. If that is how you paid, read their guide and ask the card provider. Do not treat this paragraph as a decision about your payment.

MoneyHelper’s practical suggestion is to contact the seller first, then write to the card company if the seller does not put it right, and to state that you are making a claim under section 75. Use MoneyHelper’s guide for that. We do not produce the letter.

The retailer letter sold on this site is a different document. It is about the Consumer Rights Act 2015 and it is addressed to a shop, not to a bank. Chargeback is also free, and it is not Section 75.

Questions

What is Section 75, in general?: Section 75 of the Consumer Credit Act 1974 can make a credit card company jointly responsible with the supplier for a breach of contract or misrepresentation, in the cases the Act covers. MoneyHelper says this is for credit-card purchases costing more than £100 and up to £30,000, including where only part of the price was paid on the card.
Does Track All Parcels tell me if Section 75 applies?: No. This page is general information. It is not a view on your card, your retailer, or whether an intermediary such as PayPal broke the link the Act requires. Ask your card provider and read MoneyHelper.
Can I buy a Section 75 letter here?: No. We do not sell a Section 75 letter, we do not complete one for you, and we do not make the claim.