Section 75 is a UK consumer protection law which means your credit provider has the same responsibility as the company you’ve bought something from should anything go wrong with the purchase.
Not really. It’s actually a legal requirement of your lender so that a consumer is never in a position of having to pay off debt on a product they didn’t receive or the final product wasn’t as it should have been. This applies to all purchases made with a credit card or via a loan. As an example, an extension to a house, a washing machine, a laptop or anything between £100 and £30,000. If it’s bought with credit, the lender is as responsible as the supplier.
If you order a product from a supplier who then goes bust you can still claim your money back from the credit provider. The vast majority of claims on Section 75 relate to credit cards but it also applies to store cards, loans, store credit and some car finance agreements.
To make a Section 75 claim you’ll need to contact your credit provider. So if you bought the product on a credit card it will be the credit card company rather than Visa or Mastercard. Likewise, if you paid for replacement windows and doors with a loan then your claim would be with the finance company.
RISA carry out assessments of Section 75 claims when it come to the replacement of windows and doors in a domestic setting.
RISA Assess…
£6,726
Average amount to be spent on home improvements in 2022
41%
Homeowners planning home improvement works this year
14%
Homeowners planning replacing door/windows this year
So if you would like an independent assessment of your window or door installation on your home to assist your Section 75 claim please contact us on 0207 939 9300 or email us at enquiries@risaltd.co.uk
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