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Section 75 Claims Assistance
Everything You Need To Know & How Independent Loss Adjusters Can Help.
Help To Claim Section 75
Section 75 Claims – What You Need to Know
When you make a purchase with your credit card, you may not realise that you have powerful consumer protection under Section 75 of the Consumer Credit Act 1974. Section 75 can make a credit provider jointly liable with the supplier where the supplier has breached its contract or made a qualifying misrepresentation, provided the legal requirements are met. Whether you’ve been scammed, received faulty goods, or a business has gone bust, Section 75 claims can help you recover your money.
At Independent Loss Adjusters (ILA), we understand that navigating financial claims can be complex. ILA can review the information provided and help you understand whether Section 75 may apply and what evidence could support your position.
What Is a Section 75 Claim?
A Section 75 claim may allow a consumer to pursue a credit provider where a supplier has breached its contract or made a misrepresentation. It can apply to qualifying credit-card purchases, point-of-sale loans and certain other credit arrangements.
Section 75 can apply where the cash price of an individual item, service or qualifying set is more than £100 and no more than £30,000.
Where Section 75 applies, the consumer may pursue the credit provider as well as, or instead of, the supplier. The provider will consider whether there has been a relevant breach of contract or misrepresentation and what remedy may be appropriate.
When Can You Use a Section 75 Claim?
You may be eligible for a Section 75 claim if:
- You bought a product or service that was faulty, not as described, or never arrived.
- The seller has gone out of business, and you cannot get a refund.
- The product or service was misrepresented.
- The supplier may have misrepresented the goods or services, including in some purchases connected with a scam, provided the other Section 75 requirements are met.
How to Make a Successful Section 75 Claim
Filing a Section 75 claim can be straightforward if you follow the correct steps. Here’s a step-by-step guide to maximising your chances of success:
1. Contact the Retailer First
It is often sensible to ask the supplier to resolve the problem first, unless it has ceased trading, cannot be contacted or there is another reason this would be impractical. However, pursuing the supplier first is not a legal requirement before making a qualifying Section 75 claim against the credit provider. Explain your complaint and request a refund or replacement.
2. Gather Your Evidence
To strengthen your claim, collect as much supporting evidence as possible, including:
- Receipts, invoices, or bank statements showing proof of purchase.
- Correspondence with the retailer, including emails or letters.
- Photographs of faulty or misrepresented items.
- Copies of terms and conditions from the retailer’s website.
Before sending bank statements, contracts or other personal documents, read how ILA handles personal information.
3. Contact Your Credit Card Provider
If the retailer refuses to help, write to your credit card company explaining your claim. Include all supporting evidence and clearly state the amount you are claiming.
4. Escalate Your Claim if Needed
If the credit provider rejects the claim or handles it poorly, make a formal complaint to the provider. You can normally refer the complaint to the Financial Ombudsman Service after receiving its final response or if it has not provided one within eight weeks.
What Are the Exclusions for Section 75?
Although Section 75 offers strong consumer protection, there are some important exclusions:
1. Transactions Below £100 or Above £30,000.
Purchases outside this range are not covered under Section 75, but you may still be eligible for a chargeback claim.
2. Third-Party Payment Processors.
Using an intermediary or payment platform does not automatically remove Section 75 protection. The outcome depends on whether the required debtor-creditor-supplier relationship remains in place and how the payment was processed. PayPal and similar payment routes can produce different outcomes depending on the particular arrangement.
Qualifying third-party Buy Now Pay Later agreements entered into on or after 15 July 2026 may also receive Section 75 protection.
3. Debit Card Purchases.
Section 75 applies only to credit card transactions, not debit card payments. However, a chargeback claim may still be possible through your bank.
4. Business Transactions.
Business-purpose purchases can be more complex. Whether Section 75 applies will depend on matters including the borrower, the type and terms of the credit agreement, the contractual parties and the required debtor-creditor-supplier relationship. Specific advice may be needed rather than assuming that every business purchase is either covered or excluded.
5. Bank Transfers or Cash Payments.
Transactions made via bank transfer or cash do not fall under Section 75 protection, making them riskier payment methods.
How Independent Loss Adjusters (ILA) Can Help with a Section 75 Claim
At Independent Loss Adjusters (ILA), we specialise in helping individuals and businesses with complex financial claims. If your Section 75 claim is being delayed or denied, we can assist in the following ways:
1. Expert Claim Assessment.
We review the available information to assess whether the main Section 75 requirements may be met and identify any evidence or contractual issues that need further consideration.
2. Gathering Strong Evidence.
Our team assists in compiling documentation, correspondence, and proof to strengthen your claim.
3. Negotiating with Credit Card Providers.
Where our regulatory permissions and service agreement allow, we can correspond with the credit provider and present the relevant evidence and arguments on your behalf.
4. Escalating the Claim to the Financial Ombudsman.
If needed, we can escalate your case to the Financial Ombudsman Service (FOS) for further review and resolution.
5. Providing Consumer Protection Advice.
We help clients understand their rights under UK consumer law and advise on the best course of action.
Let Independent Loss Adjusters Assist
Section 75 claims provide valuable protection for UK consumers who experience issues with their credit card purchases. Knowing when and how to file a claim can be the difference between losing money or recovering your funds successfully.
If you’re struggling with a Section 75 claim, Independent Loss Adjusters (ILA) is here to help. Our team can explain the agreed service, help organise the available evidence and keep you informed about the progress of the matter. The outcome remains dependent on the facts, law and credit provider’s or Ombudsman’s assessment.
You can submit a Section 75 claim directly to your credit provider without paying a claims-management company. If you remain dissatisfied after making a formal complaint, the Financial Ombudsman Service is also free to use.
ILA’s fixed fee is £100 including VAT. Before you instruct us, we will explain exactly what the fee covers, whether it includes assessment, correspondence and Ombudsman preparation, and whether any further charges could arise.
Need help understanding a rejected or delayed Section 75 claim? Contact ILA to discuss the circumstances and whether our service is suitable.
Call ILA on 0800 002 5178
Enquire About Section 75 Claim Assistance
Tell us what happened and where your claim stands. The initial conversation is free and without obligation. We’ll ask a few questions and explain whether ILA may be able to help. You can call us or complete the form; we’ll contact you using the details you provide.
If you choose ongoing support, we’ll explain the service and fee before work begins. Our general fee is 10% plus VAT of the overall settlement. Where you appoint ILA’s recommended contractors for the agreed reinstatement works, our fee is generally covered through that contractor route. The position depends on your claim and the proposed work.
What Happens After You Request a Callback?
When we speak, we’ll ask a few initial questions about the damage, your insurance policy and the current position of your claim.
You don’t need to have every document ready. The first conversation is simply to understand what has happened and whether we may be able to help.
If you’d prefer to speak to us directly, call 0800 002 5178.
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Need Help With a Section 75 Claim?
Contact Independent Loss Adjusters today to explore how we can assist with your Section 75 Claim outcome.