Section 75

Section 75 of the Consumer Credit Act 1974 lets you claim against your credit provider, usually a credit card company, when a seller breaches the contract or misrepresents what it sold. The provider and the seller are jointly and severally liable, so you can claim the full amount from the card company even if the seller has gone bust.

According to legislation.gov.uk (checked 27 September 2026), it does not apply to a single item with a cash price of £100 or less, or more than £30,000. The Financial Ombudsman Service says it is the cash price that counts, not the amount you put on the card.

• It covers credit cards and some point-of-sale loans, not debit cards, cash or bank transfers.
• You need a direct link between you, the lender and the seller. Paying through PayPal or a booking agent can break it.

Example: you pay a £300 deposit on your credit card for a £2,500 kitchen and the rest by bank transfer. The fitter goes out of business before starting. The cash price is within the limits, so you can claim from the card company, and the claim is not capped at the £300 deposit.

Plan your claim, with deadlines, in the scam recovery planner, and compare it with a chargeback.