Methodology and sources
How the Section 75 and chargeback checker reaches its indications, the rules it applies and the limits of those rules.
Rules applied
- Section 75, Consumer Credit Act 1974: credit card or linked finance; single-item cash price over £100 and not more than £30,000; breach of contract or misrepresentation.
- Intermediaries: payment through PayPal, Klarna or agents is flagged as uncertain, reflecting how card issuers and the Financial Ombudsman Service often treat it.
- Chargeback: Visa/Mastercard scheme rules, not statute. We use a typical 120-day window from the later of purchase or expected delivery; actual limits vary by reason code and issuer.
- Unauthorised payments: signposted to the Payment Services Regulations 2017.
- Time limits: Limitation Act 1980 (6 years England, Wales & NI; 5 years Scotland under prescription law).
What we don't do
We don't assess the merits of your dispute, evidence, or your provider's terms. The result is an indication of which routes are worth trying, never a prediction that you'll win.
Primary sources
- Consumer Credit Act 1974, s.75 and s.75A (legislation.gov.uk)
- Consumer Rights Act 2015 (legislation.gov.uk)
- Payment Services Regulations 2017
- Financial Ombudsman Service guidance and published decisions
- Visa and Mastercard published dispute rules
We review the rules regularly. Spotted something out of date? Please tell us.
Last reviewed: November 2026. General information only — not legal advice.