UK bank claim routes
Where to send Section 75 and chargeback claims at major UK banks and card providers, and how to escalate if refused.
Finding the right team
Most major UK providers — including Barclaycard, HSBC, Lloyds, Halifax, NatWest, Santander, Nationwide, Monzo and Starling — let you start a dispute in their app or online banking, usually under the transaction itself. Many credit card providers also have a dedicated Section 75 claim form. Exact menu names change, so search your provider's help pages for "Section 75" or "dispute a transaction".
Always put it in writing
Even if you start by phone or chat, send our generated letter by email or post so there's a dated record of which rights you invoked.
If your claim is refused
- Ask for a written final response explaining why.
- Raise a formal complaint — banks must respond within 8 weeks.
- Refer to the Financial Ombudsman Service. It's free, and you normally have 6 months from the final response.
We don't list phone numbers or addresses because they change; always use the details on your card or your provider's official website.
Last reviewed: November 2026. General information only — not legal advice.