Section 75 refunds

Free protection for ALL credit card spending

Your secret financial super-hero: Section 75 laws mean your credit card must protect purchases over £100 for free, so if there's a problem you could get your money back.

This full detailed Q&A guide shows you how to maximise your protection, when Section 75 covers you and when it doesn't and includes free template letters for making Section 75 claims to your credit provider.

What is Section 75?

It's a vital law made in the UK in the 1970s that means your credit provider must take the same responsibility a retailer does if things go wrong with a purchase. In a nutshell...

Pay for something costing between £100 and £30,000 on credit and the provider's equally liable if something goes wrong.

This isn't the credit provider being nice. It's a legal protection put in place so that you're never in the position of paying off debt for something you didn't receive or wasn't as it should've been. Whether it's a flight, kitchen, computer or anything else, pay on a credit card, store card or with store instalment credit and the credit provider's responsible too.

If you've yet to own a credit card or simply don't know how they work, see our Credit Cards Explained guide.

The law behind it

This all comes from Section 75 of the Consumer Credit Act 1974, hence why this is sexily named Section 75. It rather impenetrably says…

75. — (1) If the debtor under a debtor-creditor-supplier agreement falling within section 12(b) or (c) has, in relation to a transaction financed by the agreement, any claim against the supplier in respect of a misrepresentation or breach of contract, he shall have a like claim against the creditor, who, with the supplier, shall accordingly be jointly and severally liable to the debtor.

  • (2) Subject to any agreement between them, the creditor shall be entitled to be indemnified by the supplier for loss suffered by the creditor in satisfying his liability under sub-section (1), including costs reasonably incurred by him in defending proceedings instituted by the debtor.

    (3) Sub-section (1) does not apply to a claim:

    • (a) under a non-commercial agreement,
    • (b) so far as the claim relates to a single item to which the supplier has attached a cash price not exceeding £100 or more than £30,000, or
    • (c) under a debtor-creditor-supplier agreement for running-account credit:
    • (i) which provides for the making of payments by the debtor in relation to specified periods which, in the case of an agreement which is not secured on land, do not exceed three months, and
    • (ii) which requires that the number of payments to be made by the debtor in repayments of the whole amount of the credit provided in each such period shall not exceed one.

    (4) This section applies notwithstanding that the debtor, in entering into the transaction, exceeded the credit limit or otherwise contravened any term of the agreement.

    (5) In an action brought against the creditor under sub-section (1) he shall be entitled, in accordance with rules of court, to have the supplier made a party in the proceedings.

    75A - (1) If the debtor under a linked credit agreement has a claim against the supplier in respect of a breach of contract the debtor may pursue that claim against the creditor where any of the conditions in subsection (2) are met.

    (2) The conditions in subsection (1) are:

    • (a) that the supplier cannot be traced,
    • (b) that the debtor has contacted the supplier but the supplier has not responded,
    • (c) that the supplier is insolvent, or
    • (d) that the debtor has taken reasonable steps to pursue his claim against the supplier but has not obtained satisfaction for his claim.

    (3) The steps referred to in subsection (2)(d) need not include litigation.

    (4) For the purposes of subsection (2)(d) a debtor is to be deemed to have obtained satisfaction where he has accepted a replacement product or service or other compensation from the supplier in settlement of his claim.

    (5) In this section "linked credit agreement" means a regulated consumer credit agreement which serves exclusively to finance an agreement for the supply of specific goods or the provision of a specific service and where:

    • (a) the creditor uses the services of the supplier in connection with the preparation or making of the credit agreement, or
    • (b) the specific goods or provision of a specific service are explicitly specified in the credit agreement.

    (6) This section does not apply where:

    • (a) the cash value of the goods or service is £30, 000 or less,
    • (b) the linked credit agreement is for credit which exceeds £60, 260, or
    • (c) the linked credit agreement is entered into by the debtor wholly or predominantly for the purposes of a business carried on, or intended to be carried on, by him.

    (7) Subsections (2) to (5) of section 16B (declaration by the debtor as to the purposes of the agreement) apply for the purposes of subsection (6)(c).

    (8) This section does not apply to an agreement secured on land.

If there's a third-party payment processor, Section 75 may NOT apply

Some shoppers are finding credit card firms are rejecting Section 75 claims because the retailer they bought from used a third-party payment-processing firm to collect their payment – and there's widespread confusion about how these rules apply.

Technically there must be a direct link between the debtor (that's you, the customer), the creditor (the credit card company – eg, American Express, Lloyds, Barclaycard) and the supplier (the retailer selling you the goods or service).

If that relationship is deemed to be broken by the involvement of an intermediary or third party, Section 75 protection WON'T apply. Unfortunately though, even the Financial Ombudsman Service – which arbitrates Section 75 disputes – is unable to provide clear guidance on when this happens, leaving shoppers in the dark.

If you paid for a product using your card and discover a problem with it while it is still under warranty, and the warranty is with the manufacturer, you may not be able to bring a Section 75 claim for breach of contract. This is because the contract at the point of sale is with the retailer or supplier and therefore the creditor-debtor-supplier link would be broken. However, you would be able to make a claim if the warranty is with the retailer or supplier directly as the chain would still be intact. 

Read MSE's investigation into the payment processing loophole for full details, plus what you can do if affected.

What does Section 75 cover?

Section 75 is fantastic protection. It means if you order something and the retailer goes kaput, you can still claim your money back from the credit card provider (even if you've since closed your credit card account).

Section 75 applies to most, but not all, credit card agreements. Credit cards are the main area covered, but the law also applies to store cards, store instalment credit and some car finance agreements (though not hire purchase).

Plus, even if the problem is just non-delivery or faulty goods, you have exactly the same rights from the credit provider as from the retailer, flight company or supplier.

Some typical examples…

  • You order a vase from overseas that never arrives
  • You buy flights direct from an airline that goes bust
  • You buy a radio from a shop, and find it's faulty

In all of these, your lender is jointly liable for a refund.

So if you're buying something or ordering tickets or flights worth more than £100, pay for some or all of it on a credit card to ensure you're protected. Though keep your receipts as well as your card statement to make it easier.

If you discover a problem with a product you bought using a credit card (and it meets all the requirements in terms of time limits, minimum amount, debtor/creditor supply link etc) then, even if the account is closed, the provider would still be liable and would need to refund you.

It's worth remembering that sometimes you might not be able to protect yourself, for example if you pay a monthly fee of less than £100 to a company that goes into administration. But always check to see if you can use other consumer protection, such as chargeback.

Should the bill or the item cost over £100?

This is where it gets quite tricky. The law is plain; the £100 is for the cash value of a 'single item' (so excluding any fees, and charges such as delivery). Yet single items aren't always that straightforward.

Here are a couple of examples to help:

  • Fly to Traveltown with Holidayair on flights costing £99 outbound and £9.99 back, and while it's over £100 in total, as no single ticket was over £100, you're not protected. Yet if Holidayair had only sold return journeys and you bought a specific £109 return ticket, then you'd be covered.
  • Alternatively, if a suit jacket and trousers are individually priced at £60 each, you're not covered, but if you buy the suit as a whole for one price of £120, you are covered.

This can get more complicated though. If the company links the transaction together, eg, by giving a special offer if two flights are purchased together, then you should be covered.

It's still unclear whether the bill or the item needs to be over £100

This information is based on conversations with eminent legal brains and Trading Standards. Yet this part of the law hasn't been tested in court so far.

Therefore, if in doubt, it's always worth contacting your credit provider to make a claim. If you consider it to be a 'single item', make sure that's how you phrase it. Please report your experiences in the single item claims thread to help others.

A trick to help – pay the deposit by credit card and you're covered

The law's specific on this, you get the protection for the whole cost of an item or service,even if you only pay for a part of it - even just 1p would count - on credit. The only condition is that what you're buying costs more than £100 and less than £30,000.

Therefore if you want protection…

As long as it costs more than £100, pay for even a fraction on a credit card and you're protected.

Here's a Section 75 deposit-only success story to give you some inspiration...

I ordered and paid £15,991 in full for a new car but before I took delivery, the trader went into liquidation.

Thankfully I had paid the first £100 deposit on my Barclaycard credit card. So I made a Section 75 claim. It took six months, but this week I received a credit to my card of the whole amount, just from having paid the first £100 on my card.

And a success story that ended up with the Ombudsman and proves that persistence pays off...

Linda Marriott and her husband had bought a £22,400 kitchen, and following this guidepaid £200 as a deposit on a credit card for extra protection. When the firm went bust, they asked the card firm for all the cash back from their credit card – as they were due – but it said no.

In the end they went to the Financial Ombudsman. It ordered the card to pay out the full whack, plus 8% statutory interest, plus £200 extra for 'inconvenience caused'. For inspiration see Linda's full I got £23k back story.

Martin's always said to keep going with a claim. Tesco tried to say the name of the business owner was different to his real name so it wasn't the same person. But I kept going back on MoneySavingExpert and reading about Section 75 and I kept thinking, 'don't give up, keep going, keep fighting' as I knew we were in the right. 

But when we heard the adjudicator had found in our favour, I burst into tears. I just couldn't believe it. Although at times we felt like giving up I was so convinced we were right having re-read the information on this site and even quoting a case you had on here, that I kept going.

The Ombudsman says the legislation doesn't specify a minimum amount that the deposit has to be – so in theory a consumer could pay as little as a penny. But some retailers may set a minimum amount that you have to pay by card, it says, and this will vary depending on the store.

Quick questions:

  • Yes. This used to be a hot potato, when this got to the Court of Appeal and it confirmed this applies to everything you buy. Whether it's in the UK, abroad or on a foreign website, Section 75 applies.

    This is a real boon, as often if you buy something using a credit card abroad it's much more difficult to get in touch with the retailer. So don't bother, simply make a claim directly against the card company.

  • There's conflicting information on this, but in general, if you've paid for a group booking, such as tickets or a holiday for friends or non-immediate family, you should be protected for the full payment. Yet for those who want to play it safe, the best bet is to ask others to pay their own way where possible.

    Let's say you pay for a whole group of mates to go on holiday with your credit card, and they pay you back their portion. Section 75 protection becomes confused if the holiday firm goes into administration, as there is some argument over who is part of the credit card contract.

    Trading Standards was positive, telling us the payee "is entitled to a compensation of the full amount from the credit card company".

    But the Financial Ombudsman says there's a chance you'll not be covered for the full amount, possibly only being entitled to your own proportion of the payment. So while payments for partners and children are easier, others are not so clear-cut.

    If this happens to you and your bank won't reimburse the full cost, take your complaint to the Ombudsman anyway as it could agree to your complaint. Details on how the FOS can help are in the FOS and Financial Rights guide.

  • The law allows you to claim for 'consequential losses' arising from the problem. In other words, if what went wrong forced you to shell out, the credit company is liable just like the retailer would be. Obviously it's more difficult to do, but it's still legal.

    One person managed to claim transport & hotel costs to a postponed concert back...

    Last year I purchased concert tickets for myself and a friend. The concert was postponed but while the tickets were still valid, I'd also spent £230 on train tickets and hotel accommodation.

    I contacted the rail companies and the hotel to ask for a refund, only to be told they were non-refundable. So I contacted my credit card company quoting the Consumer Credit Act and asked for a refund.

    This morning, to my surprise, I received a letter from my credit card company offering me a full refund of £230.

  • If you've paid for something on a card but since cancelled the card you may still have Section 75 protection.

    The Financial Ombudsman Service told us that assuming you meet all other criteria you should be covered, as the fact you've cancelled the card doesn't matter. The original payment method is what's key, ie, you paid on a credit card.

    If you have any doubt, put in a claim as the worst that can happen is your claim is rejected.

  • Just to clear this up, when you're choosing a card, this protection only applies to credit and store cards, NOT debit cards, cash spending, cheques or charge cards. Therefore you must use a credit card to be protected.

    Yet credit card companies do, of course, make their money by charging you interest. And frankly the interest cost is so large it often overrides the protection, so follow…

    The Golden Rule: 
    Always set up a direct debit to pay the card off in full each month, so you'll never pay interest.

    If you don't have a credit card or have debts on a card, and need another specially for these purchases so you can pay that one off in full each month, then it's time to apply for a new card. In which case, the two best choices are:

    • A cashback credit card

      These pay you each and every time you spend on them. With a direct debit set up so there's no interest, this can add £100s a year to your income without any hassle. Full info and best buys in the Cashback Credit Cards guide.

    • A 0% for spending card.

      If you are going to spend on a card you can't repay in full, at least ensure it's as cheap as possible. A number of cards offer 0% interest for more than a year on all your spending. Full info and best buys in the 0% Interest Cards guide.

  • There is one loophole you can use to get cover without getting a credit card.

    Prepaid cards allow you to load them up with cash before spending. They don't credit check, so they're useful for people who can't get a credit card.

    The CashPlus* prepaid card's provider confirms it provides protection similar to Section 75, although this is NOT legal protection.

    • The Activeplus account. Here you pay £5.95 a month for a minimum of a year (so £71.40 a year) and you get a facility that helps towards rebuilding your credit rating. There are then no fees for spending on it, but there's a further monthly fee if you do not use or top up the card for four months.

    • The Flexiplus account. Here there's no monthly fee, provided you use or top up the card every four months. There's a 99p transaction fee each time you spend. If you're getting the card for a few big transactions, this is cheapest.

    Is it worth it?

    If the protection ended up paying out, the cost of the card is cheap, otherwise it may feel like a waste of money. If you're making a big purchase with a company that worries you, this may give added piece of mind.

    It is worth noting you are reliant on the fact that the card company itself won't go bust to get your money (and for the safety of the cash you load).

    Prepaid cards are growing in popularity, so it is likely to have some financial strength, and it'd be quite a coincidence for the card company and retailer to go bankrupt at the same time – but nothing is 100%.

What's not covered by Section 75?

As always with these things, a few exceptions escape the safety net. First is anything to do with the purchase of land – this is controlled by regulation from the Financial Conduct Authority. But there are other exceptions too, a major one being...

Items costing less than £100 on credit card or where you use a debit card or charge card aren't covered...but there's a way around it

Section 75 only kicks in for credit purchases of more than £100. It doesn't apply to anything you paid on a credit card costing less than that, and nor does it apply to anything – bought at any price – on a debit card or charge card (as these aren't considered credit purchases).

But where Section 75 doesn't apply, there's another rule that you may be able to fall back on. It's called chargeback, and it allows the card provider to reverse a payment you've made to a retailer if they agree you've a legitimate complaint.

Possible reasons for claiming a chargeback are:

  • Company goes into administration – the company you purchased from has gone bust.
  • Quality of item – the goods were not as described or were defective.
  • Non-delivery – the goods were not received as promised.
  • Technical issue – expired authorisation or a processing error by the bank.
  • Clerical error – being charged multiple times or being billed for the incorrect amount.
  • Fraud – you have been the victim of fraud and did not authorise the purchase.

However, it's important to know chargeback is part of Visa, Mastercard and Amex's internal rules and NOT a legal requirement unlike Section 75.

As a rule, act quickly with chargeback as there's a claim deadline. The rules set by Visa, chargeback and American Express only usually give you 120 days to get a claim in – and the clock usually starts ticking when you first notice a problem though it will depend on the type of situation.

Here are other purchases that escape the safety net...

  • If you have an additional card for a partner, child or friend and this card is used to make a payment for a item you subsequently need to claim for, you'll need to show the item/service provides some benefit to the primary cardholder to be covered.

    So if it was a family car or gift for the main cardholder, this is likely to be OK. But a solo flight for the additional cardholder wouldn't be.

    This isn't technically written into the legislation, but is based on a ruling (62/02) by the Financial Ombudsman in 2007.

  • You're unlikely to be covered when payments are made to a company that isn't the one providing you with the product or service. In these cases, the credit card company usually says it didn't have a direct relationship with the supplier, so isn't equally liable.

    If you stand your ground, it's possible to argue that the indirect relationship constitutes an arrangement to pay. The Court of Appeal decided this was acceptable in 2006, but it's unlikely to be an easy task.

    The first main area is paying via an online processor such as PayPal, Worldpay or Google Wallet. Though these can have their own refund systems, they aren't as strong as the legal protection of Section 75.

    There have also been recent cases where people buying goods on Amazon through 'Marketplace' suppliers have been turned down for Section 75 claims by credit card companies. Some opinion says these SHOULD be covered, but it may be a fight to make it happen.

    You could be covered paying through PayPal – but only with some sellers

    For this, you need to look whether the company you're buying from has a 'Commercial Entity Agreement' with PayPal. If they do, and you paid by credit card, then you may still be able to make a Section 75 claim. It's worth checking it out, but PayPal's Buyer Protection is likely to be simpler and faster. Leave Section 75 as a last resort if you can't get any joy from either the seller or PayPal.

    However, we asked the Ombudsman and it said although PayPal appears as the merchant on the cardholder's statement, it cannot be seen as the supplier in a debtor-creditor-supplier agreement under section 75. That's because it acts as the payment intermediary by transferring the money from the buyer's account to the seller's account. This means it breaks that chain to be considered under section 75.

    The Ombudsman said there could be circumstances where the necessary relationship may exist, depending on the capacity in which PayPal is acting. For more information see Martin's Warning! Don't use PayPal to pay on a credit card guide.

    Booking through a travel agent

    The other scenario is buying through a travel agent, where it is simply directing you to get a flight from an airline or a package holiday from a tour operator.

    You should have ATOL protection for package holidays anyway (see Cheap Package Holidays) and in 2012 this protection was extended to include flights, accommodation or car hire booked from the same company within a day of each other, even if they're not a formal package.

    Flights alone don't usually have protection elsewhere but if you're not covered, as many travel companies act as an agent of the tour operator, a claim against your card provider could be successful, so give it a try.

    A relatively new area for third-party purchases is group buying websites, such as Groupon and LivingSocial. Here you buy a voucher for a cheap deal and the goods or service is redeemed by another retailer. This indirect relationship could make it hard to claim using Section 75, yet you should be able to use the chargeback route instead.

    A standard voucher purchased from another store (eg, a Topshop voucher bought from Morrisons) would also count as an indirect purchase, so is unlikely to be covered in the event that you couldn't use the voucher at Topshop.

  • Pay with a money transfer or a credit card cheque and, according to the Financial Ombudsman, Section 75 doesn't apply as it's an indirect form of payment.

    It's also worth pointing out that if you withdraw cash on the card (usually something to avoid due to interest charges, even if you repay in full), then the protection doesn't apply for things you buy with the cash.

    One other point to make is the purchase of gift vouchers on a credit card may be counted as a cash payment, so you may be charged interest from the purchase date until the date you pay it off. Check your card's terms and pay off the card sooner if this applies to you.

    Vouchers are covered by Section 75, assuming you use a credit/store card, spend more than £100 AND buy the voucher directly from the supplier of the good/service, not from a third-party supplier.

  • Section 75 relies on there being a three-party relationship between the consumer, the lender and the supplier. So if the supplier and the lender are the same, you can't use Section 75.

    Thankfully, this situation's quite rare, and would only be of concern for non-credit card lending. For example, if you'd bought from the Next catalogue using its catalogue credit, you wouldn't have a Section 75 claim.

    Most car finance is not provided by the dealership, but it's always worth checking, especially on large purchases that you've arranged credit for, whether Section 75 would apply if you ended up needing it. If in doubt, use a credit card (as banks don't supply goods).

  • Hire purchase is not covered under Section 75, though the redress process is similar. If you have a complaint about something you bought using HP, try to resolve it with the supplier. It has obligations under the Supply of Goods (Implied Terms) Act to ensure that the goods are of satisfactory quality, and as described.

    If you can't resolve the complaint with the supplier, try the finance provider (the company you're making repayments to). It's also bound under the same Act to make things right with you, though what that actually means will depend on your complaint. If you're still not satisfied, you can take your complaint to the Financial Ombudsman.

    Important! Check that you actually have a hire purchase agreement. Although it's still common for car finance, most stores selling electricals now offer in-store instalment credit (which is covered by Section 75) rather than hire purchase.

How do I make a Section 75 claim?

Firstly, remember this is a legal right. Martin's claimed under Section 75 a couple of times, once it was easy, the other time the provider kicked up a fuss. While credit providers are getting better, many will still talk about their own procedures.

To make a claim, you need to contact your credit card company (you can still claim on an account that's closed) not Visa, Mastercard or Amex. So if you've got a HSBC Mastercard, you claim from HSBC, not Mastercard.

Similarly, if you're claiming for a sofa bought with instalment credit, your claim's with the finance company (the one you repay to) not DFS or SCS (though you're free to complain to them too).

Yet the experience can be slightly different depending on whether the retailer or supplier has or hasn't gone bust.

This is because you might not need to involve your credit card provider should you still be able to complain directly to the retailer.

If the retailer/supplier has gone bust – go to your credit card provider

Here it's clear-cut, you can't go to anyone else so the only option is to claim from the credit company. Simply call your credit provider and tell it what you're doing. Actually say: "I am making a claim under Section 75 of the Consumer Credit Act".

It should then send you a claim form – though it might not be quite that simple.

Sometimes the credit card company will ask you to get independent verification of a fault. If it asks for this, and then approves the claim, it should also reimburse you for costs incurred in getting the expert opinion. Most claims go ahead without this, but it's a possibility your lender will ask.

Sometimes it will tell you it will try to reclaim the cash from the company in administration. You can simply answer: "Great news, I wish you the best of luck. However you are completely liable for my goods yourself, and I would like the full amount I'm entitled to please, regardless of that claim."

You can make a claim as soon as you know about the administration, even if the product has not been delivered or service has not taken place, under something called 'anticipatory breach' (you know you're going to be out of pocket).

If your credit provider won't help, then contact the Financial Ombudsman to make a complaint. This is completely free and well worth doing, there's a simple claim form on its website and details on how it can help in the FOS and Financial Rights guide.

The Ombudsman can look into complaints where you feel you've not been dealt with fairly and reasonably. This includes where a firm hasn't met good industry practice as well as the regulators' rules and the law of the land.

Complaints about a product and the retailer/supplier isn't bust – go to the retailer first

Here you may be met by "that's not our business, go to the retailer". Actually you don't have to, it is its business and you've a legal right to redress. The law makes clear that the credit company is jointly responsible, so there's no 'first point of call'.

If you are claiming from the credit provider, be firm but polite, and request a claim form. Again, on the claim form, state it is a claim under "Section 75 of the Consumer Credit Act".

Again, you may be asked to get an independent report verifying a fault (if that's what you're complaining about). If the claim's approved, you should be reimbursed for the cost of the report too. Most claims go ahead without you needing to get this, but it's a possibility your lender will ask.

If the retailer isn't playing ball it may be easier to go to your card provider

If you're struggling to get a retailer to listen to the fact you have consumer rights, then in some circumstances, assuming you're eligible, claiming from the credit card company under Section 75 can prove easier. There are a number of reasons for this:

  • Credit card companies have deeper pockets.
    If you're claiming something substantial from a small firm, it may fight tooth and nail and force you to go to court to get redress, as it can't afford to pay out so will make it difficult for you to get your money back. Yet credit card companies are huge beasts, and have deeper pockets so this is less of an issue.

  • If the credit card firm turns you down, you can go to the Ombudsman, not court.
    This is an important difference. First the Financial Ombudsman Service is free, while even in the small claims court you pay a fee, which is only returned if you win.

    More importantly, the court only looks at the law, while the Ombudsman looks at:

    • The law, or
    • Standard industry practice, or
    • Whether you've been treated fairly and reasonably

The last one especially gives you extra hope if your case falls foul of the letter of the law, but your treatment hasn't been right.

This 'Ombudsman' theory was one Martin first developed during the PIP breast implant scandal (yes that's PIP, not PPI) which then had a lot of success with people getting money back from credit card providers as the clinics were playing hardball. See Martin's original PIP hope? blog.

Of course, if the credit provider went bust, then while you could become a creditor, there is no protection from this. Yet for both the retailer and creditor at the same time to go bust, you'd have been very unlucky.

Protection for £30k+ purchases

Section 75 covers purchases made on credit between £100 and £30,000. So a car costing £40,000 wouldn't be covered. However, changes made in 2010 mean that certain credit agreements above £30,000 are now covered.

This protection comes under Section 75a and introduces an upper limit for claims of £60,260. The legislation gets complex for Section 75a, because for a purchase to be covered, the finance must be properly linked to an item (known as a debtor-creditor-supplier agreement) so the finance company can see a clear relationship between the money and the goods.

So, a £40,000 car wouldn't be covered if you'd used a credit card or personal loan as you could have used those to buy anything. A loan, specifically for the car, arranged through the dealership would be covered.

The other big difference is that under Section 75 you can take your complaint to the good/service provider OR to the credit provider, as they're both jointly and severally liable. But, under Section 75a, you need to have unsuccessfully complained or tried to complain to the provider of the good or service (if they still exist) to make a claim to the credit provider.

Credit for land purchase or business borrowing isn't covered under either Section 75 or 75a.

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