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Check for free whether you're owed a refund
Answer four questions to see whether Section 75, a chargeback, both or neither may apply — then get a ready-to-send letter.
- ✓ Based on the Consumer Credit Act 1974 and card-scheme rules
- ✓ Explains why, not just yes/no
- ✓ Honest: protections are conditional, never guaranteed
Included free
Free dispute letter generator
Once the checker shows your options, it builds a ready-to-send letter for your card or finance provider — citing Section 75, chargeback or both, with your details filled in.
- ✓ Written for UK card providers and finance companies
- ✓ Quotes the right law and scheme rules for your situation
- ✓ Copy it, print it or save it as a PDF — no sign-up
- ✓ Your details stay on your device; nothing is sent or stored
Alex Morgan 12 Example Street, Nottingham NG1 1AA 1 January 1970 Example Bank Card Services Disputes / Complaints Department Re: Claim under Section 75 Consumer Credit Act 1974, or alternatively a chargeback request Account / card ending: 1234 Dear Sir or Madam, On 03/01/2026 I paid for a laptop from GadgetWorld Ltd (cash price £1,299.00) using my card ending 1234. I am writing because the goods/services were not provided. The laptop never arrived. The seller stopped replying to my emails on 20 January 2026. I have tried to resolve this with GadgetWorld Ltd without success. Under Section 75 of the Consumer Credit Act 1974, as my creditor you are jointly and severally liable with the supplier for any breach of contract or misrepresentation. The cash price of the item is over £100 and not more than £30,000. I therefore ask that you refund £1,299.00 and any interest and charges incurred on this amount. Alternatively, or in addition, I ask that you raise a chargeback with the card scheme (Visa/Mastercard) under the relevant dispute rules for this transaction. I enclose copies of my evidence. Please acknowledge this letter and respond within 14 days. If I do not receive a satisfactory final response within 8 weeks, I may refer my complaint to the Financial Ombudsman Service. Yours faithfully, Alex Morgan
120-day chargeback deadline
Section 75 threshold check
It's the item's price that counts, not what you put on the card — a £50 card deposit on a £2,000 sofa can qualify.
Section 75 in brief
A legal right. If you paid any part of a single item costing over £100 and up to £30,000 with a credit card or linked finance, the lender is jointly liable with the trader for breach of contract or misrepresentation.
Chargeback in brief
A card-scheme rule, not law. Works on debit and credit cards with no minimum spend, usually within 120 days. Your bank decides whether to raise it.