Have you paid for goods or services by credit card that never arrived, were misrepresented, or involved a company that has since gone bust? Maybe you need assistance with section 75 claims?
If so, you may be eligible to claim under Section 75 of the Consumer Credit Act 1974 – a powerful UK consumer protection law.
However, understanding how to use Section 75 effectively isn’t always straightforward. At Independent Loss Adjusters (ILA), they offer a clear and experienced approach to helping consumers reclaim money lost due to failed or disputed transactions.
What Is a Section 75 Claim?
Section 75 gives you the legal right to seek a refund directly from your credit card provider when there’s been a breach of contract or misrepresentation by a retailer or service provider.
You’re protected if:
- You paid using a UK-issued credit card (not debit)
- The purchase was between £100 and £30,000
- There was a clear fault, such as non-delivery, poor quality, or fraudulent representation
Even if you only paid a deposit by card, you may still be covered – as long as the total cost meets the minimum amount.
Common Scenarios Where Section 75 Applies
You might be eligible for a Section 75 claim if:
- A holiday or event you booked is cancelled and not refunded
- You ordered furniture that never arrived
- A company went into administration after taking your payment
- Goods were not as described or were dangerously faulty
- You were charged multiple times for the same item
Why Use ILA for Section 75 Claims?
Although ILA are known for our expertise in managing insurance-related losses, Section 75 claims fall under consumer protection law, not insurance. However, they apply the same rigorous case management, evidence gathering, and negotiation skills to help you achieve a successful outcome.
Here’s how they assist:
1. Initial Assessment of Your Case
They examine your documents, receipts, and correspondence to confirm your eligibility under Section 75 and determine the best route forward.
2. Clear, Professional Claim Submissions
ILA help you prepare a compelling claim letter to your credit card provider that clearly outlines the legal position, contractual breach, and the remedy you’re seeking.
3. Follow-up and Communication
Many credit card providers are slow to respond or reject claims without proper reason. ILA handle the ongoing dialogue, pushing for fair treatment and escalation if needed.
4. Escalation to the Financial Ombudsman (if necessary)
Should your card provider wrongly reject your claim, ILA can assist in referring the case to the Financial Ombudsman Service, presenting a professionally prepared case file.
Benefits of Professional Support
Making a claim under Section 75 might seem simple, but in many cases:
- Consumers struggle to present their case legally and clearly
- Card providers delay or offer partial refunds
- Documentation or communication is insufficient
With Independent Loss Adjusters on your side, you gain:
- ✅ A clear understanding of your rights
- ✅ Strong documentation and argumentation
- ✅ Reduced stress and time spent on the process
- ✅ A higher chance of full recovery
Tips to Strengthen Your Section 75 Claim
Whether you use our service or go it alone, keep the following in mind:
- Keep all proof of purchase – receipts, emails, confirmations
- Act promptly – ideally within six years of the transaction
- Communicate in writing – verbal calls rarely help
- Be specific – state what happened and what resolution you want
- Quote the law – refer directly to Section 75 to support your claim
Secondary Protection Options: Chargeback
If your claim is under £100, or paid by debit card, you may be eligible to request a chargeback through your bank. While not legally guaranteed like Section 75, it’s another route to recover funds.
ILA can advise on whether chargeback or Section 75 is the more appropriate option for your case.
Why Choose Independent Loss Adjusters?
At ILA, we’re not just claim handlers – they’re experienced case managers, researchers, and problem-solvers. They understand the frustration consumers face when they’re left out of pocket after trusting a supplier.
With a reputation for clear, results-driven support, we help individuals across the UK recover funds that might otherwise be lost due to red tape, poor service, or limited understanding of consumer law.
Ready to Start Your Section 75 Claim?
You don’t have to face your credit card company alone. Let ILA help you present a strong, effective claim under Section 75, with the professionalism and determination they are known for.
👉 Learn more or get started here
📞 Call ILA on 0800 002 5178 for a free initial consultation.