UK Section 75 Claim 2026
If you’ve purchased faulty goods or services using a credit card, you may be eligible for a refund under Section 75 of the Consumer Credit Act 1974. In this article, we’ll guide you through the process of making a Section 75 claim in the UK and help you understand your rights as a consumer.
What is Section 75 of the Consumer Credit Act 1974?
Section 75 of the Consumer Credit Act 1974 is a UK law that provides consumers with protection when purchasing goods or services using a credit card. The law states that the credit card company is equally liable with the supplier for any breaches of contract or misrepresentation. This means that if you’ve purchased faulty goods or services, you can claim a refund from the credit card company, even if the supplier has gone out of business. The law applies to purchases made between £100 and £30,000. To be eligible for a Section 75 claim, you must have paid for the goods or services using a credit card, and the purchase must have been made in the UK. The Consumer Rights Act 2015 also provides additional protection for consumers, including the right to a refund, repair, or replacement for faulty goods.
Key takeaway: You can claim a refund from the credit card company under Section 75 if you’ve purchased faulty goods or services.
How to Make a Section 75 Claim
To make a Section 75 claim, you’ll need to follow these steps: 1. Contact the supplier and explain the issue with the goods or services. 2. If the supplier is unable or unwilling to resolve the issue, contact your credit card company and explain the situation. 3. Provide the credit card company with evidence of the purchase, including receipts and any correspondence with the supplier. 4. The credit card company will investigate the claim and may request additional information. 5. If the claim is successful, the credit card company will provide a refund. It’s essential to act quickly, as there are time limits for making a Section 75 claim. The Limitation Act 1980 states that claims must be made within six years of the purchase date. In some cases, the court may extend the time limit, but it’s crucial to seek legal advice as soon as possible.
Key takeaway: You should contact the supplier first and then the credit card company to make a Section 75 claim.
Section 75 Claim Time Limits
The time limits for making a Section 75 claim are set out in the Limitation Act 1980. The general rule is that claims must be made within six years of the purchase date. However, there are some exceptions to this rule. For example, if the supplier has gone out of business, you may still be able to make a claim against the credit card company. Additionally, if you’ve only recently discovered the fault with the goods or services, you may be able to make a claim outside of the six-year time limit. It’s essential to seek legal advice as soon as possible to determine the best course of action. In the case of Andrews v. Australia and New Zealand Banking Group Ltd (2012), the court ruled that the six-year time limit applies to Section 75 claims, but the court may exercise discretion to extend the time limit in exceptional circumstances.
Key takeaway: You should make a Section 75 claim within six years of the purchase date.
Section 75 Claim Examples
Here are some examples of when you might be able to make a Section 75 claim: 1. You purchase a laptop using a credit card, but it turns out to be faulty. 2. You book a holiday using a credit card, but the hotel is not as described. 3. You buy a car using a credit card, but it has a major fault. In each of these cases, you may be able to claim a refund from the credit card company under Section 75. The Consumer Protection from Unfair Trading Regulations 2008 also provide protection against misleading or aggressive sales practices. For example, if you’ve been misled into purchasing goods or services, you may be able to claim a refund under these regulations.
Key takeaway: You can make a Section 75 claim for a wide range of faulty goods or services, including laptops, holidays, and cars.
How LitigaForge AI Can Help
LitigaForge AI is an AI-powered legal platform that can help you with your Section 75 claim. Our platform provides access to a team of expert lawyers who can guide you through the claims process and help you understand your rights as a consumer. We can also help you to draft a letter to the credit card company and provide evidence to support your claim. Additionally, our platform provides access to a range of legal documents and templates, including a Section 75 claim letter template. In the UAE, the Consumer Protection Law (Federal Law No. 15 of 2020) provides similar protection for consumers, and in India, the Consumer Protection Act 2019 provides a framework for consumer dispute resolution.
Key takeaway: LitigaForge AI can provide expert legal guidance and support to help you make a successful Section 75 claim.
Frequently Asked Questions
What is the time limit for making a Section 75 claim?
The time limit is six years from the purchase date.
Do I need to contact the supplier before making a Section 75 claim?
Yes, you should contact the supplier first to try to resolve the issue.
Can I make a Section 75 claim for purchases made outside the UK?
No, the law only applies to purchases made in the UK.
How long does it take to process a Section 75 claim?
The time it takes to process a claim can vary, but it’s typically several weeks or months.
Try LitigaForge AI for free at litigaforge.com to get expert legal guidance and support with your Section 75 claim.
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