If you paid for something on a credit card and it never arrived, was faulty, or the seller went bust, your card provider is jointly liable under Section 75 — you can claim straight from them. Check free in 30 seconds, then get a ready-to-send claim letter.
It makes your credit card provider equally responsible with the seller — set out in Section 75 of the Consumer Credit Act 1974.
No. Section 75 applies to credit cards (and some other credit agreements). If you paid by debit card you aren't covered by Section 75 — but you can use the card scheme's chargeback process instead to try to get your money back. The letter below covers either route.
No — it's the cash price of the item or service in dispute that must be over £100 and up to £30,000, not the amount you charged to the card. Even paying a small deposit on a credit card can bring the whole purchase into Section 75.
Section 75 is especially useful then. Because your card provider is jointly liable with the seller, you can claim your refund from the card provider even though the seller has stopped trading.
No. Your card provider is jointly and severally liable, so you can go straight to them. You don't have to exhaust the seller first.
No. ConsumerSuit is free, a Section 75 claim is free, and so is escalating to the Financial Ombudsman Service if your card provider says no.