Watch: Section 75 How-To Guide
Step 1: Check if Your Purchase is Eligible
Section 75 covers a wide range of purchases made with your credit card. The key criteria are:
- Cost: The item or service you bought must be between £100 and £30,000, including any part-payment made via credit card.
- Credit card: The cardholder doesn’t necessarily need to be the person receiving the goods or services.
- Fault or breach of contract: The product or service must be faulty, not as described, or not provided (e.g., if a company goes into liquidation).
Step 2: Try to Resolve It with the Supplier First
Before turning to your credit provider, try resolving the issue directly with the supplier or retailer. Many businesses will offer refunds or replacements without needing further action. However, if this doesn’t work, that’s when Section 75 comes into play.
Step 3: Contact Your Credit Provider
Write to your credit card company explaining the situation, including details like:
- Your name, account number, and the transaction details (e.g., date and amount)
- The nature of the problem (e.g., faulty goods, incomplete services, or non-delivery)
- Any communication you’ve had with the supplier
- Any evidence you have (invoices, contracts, or emails)
Be sure to mention you are making a Section 75 claim and keep copies of everything you send.
You can use this handy template letter provided by RISA to write to your credit provider.
Step 4: Provide Supporting Evidence
Your credit provider will likely ask for supporting evidence to back up your claim. This might include documentation of the faulty goods, records of your attempts to resolve the issue with the retailer, and possibly an expert report.
Do You Need an Expert Report?
In some cases, especially with disputes involving goods like windows, doors, or large home improvements, an expert report can help prove the fault or breach of contract. This independent assessment provides crucial evidence for your Section 75 claim.
How RISA Can Help
RISA specialises in providing expert reports, especially for disputes relating to windows, doors, and conservatories. Our independent, professional inspectors can assess the quality of the work and identify any issues that support your claim. If you need an inspection report to strengthen your Section 75 case, contact RISA for a professional, reliable service.
Step 5: Hearing Back From Your Credit Provider
Once you’ve submitted your claim and any supporting documents, your credit provider should review the case and inform you of the outcome. If they agree that you’re entitled to a refund or compensation, the funds will be credited back to your account. If the claim is rejected, you can escalate it to the Financial Ombudsman Service for further review.
Contact Us
Section 75 offers powerful consumer protection, but having the right evidence can make all the difference. If you’re dealing with faulty goods or poor service, and you need expert verification, RISA is here to help. Our expert reports give you the confidence and documentation needed to make your Section 75 claim.
If you have any questions or need a report, get in touch with us today.