Free Section 75 Refund Letter Template
A Section 75 refund letter requests your credit card company to refund a purchase where the supplier breached the contract or misrepresented the goods or services. Use our free UK template to draft a clear refund request under the Consumer Credit Act 1974.
I write to formally notify you of a claim under Section 75 of the Consumer Credit Act 1974 ("the Act"), which imposes joint and several liability on you as creditor for any misrepresentation or breach of contract by the supplier where there is a debtor-creditor-supplier (DCS) agreement under section 12(b) or 12(c) of the Act. My claim concerns a purchase made using a regulated credit card account issued by Barclays Bank PLC from the merchant TechWorld Ltd.
Merchant location: United Kingdom
Date of Purchase: 15 January 2026
Purchase Amount: £750.00
Goods / Services: Laptop computer, model XYZ Pro 15
Account / Reference Number: 4916-XXXX-XXXX-3847
The laptop was never delivered despite payment in full on 15 January 2026. No communication has been received from the merchant since the order. The delivery date quoted at checkout was 22 January 2026.
The conduct described constitutes a breach of the supplier's obligations under the Consumer Rights Act 2015 (for goods: section 9 — satisfactory quality; section 10 — fitness for purpose; section 11 — as described; for services: section 49 — reasonable care and skill) and/or a misrepresentation within the meaning of the Misrepresentation Act 1967.
The purchase described above was made using a regulated credit card account issued by Barclays Bank PLC, and the cash price falls within the £100 to £30,000 qualifying range set by section 75(3)(b) of the Act. The relationship is therefore a DCS agreement within s.12(b)/(c), and the agreement is a regulated agreement within the meaning of section 189. I am entitled to seek a full refund of the purchase price from you as creditor, in addition to, or as an alternative to, any claim against the supplier.
Contact with supplier: I contacted TechWorld Ltd on 1 February 2026. The outcome was: The retailer acknowledged the order but refused to provide a delivery date or refund, then stopped responding to emails.
Supporting evidence enclosed / available:
1. Order confirmation email dated 15 January 2026
2. Credit card statement showing the debit
3. Email correspondence with the merchant dated 30 January and 1 February 2026
4. Screenshot of the merchant's checkout page showing the delivery promise
(a) Process my Section 75 claim and provide a full refund of the purchase price within 14 days of the date of this letter;
(b) Acknowledge receipt of this letter within 5 business days in accordance with DISP 1.6.1R; and
(c) Provide me with a written final response setting out your reasoning if you intend to reject the claim in whole or in part.
If I do not receive a satisfactory final response within the FCA's 8-week DISP window, or if the final response rejects my claim, I will refer the matter to the Financial Ombudsman Service (FOS) pursuant to Part XVI of the Financial Services and Markets Act 2000 and the FCA's DISP 2 rules, which apply binding-upon-acceptance awards of up to £430,000. I also reserve the right to issue a claim in the County Court relying on Consumer Credit Act 1974 s.75 and the Consumer Rights Act 2015.
Sarah Mitchell
22 Maple Drive
Bristol
BS1 4PQ
sarah.mitchell@email.com
07700 900123
What Is a Section 75 Refund Letter?
A Section 75 refund letter is a written request to your credit card provider asking for a refund of a purchase amount under Section 75 of the Consumer Credit Act 1974. It is used when a supplier has failed to deliver, provided faulty goods or misrepresented a product or service.
Section 75 makes the credit card issuer jointly liable with the supplier for purchases between GBP 100 and GBP 30,000. A refund letter is the practical first step in exercising this right, clearly setting out what went wrong and how much you want refunded.
This letter is particularly effective in the UK when the supplier is unresponsive, has gone out of business or refuses to provide a refund. The British credit card company has a legal obligation under United Kingdom law to consider your claim and provide a substantive response.
What's Covered in This Template
Our Section 75 refund letter template provides a focused, refund-specific request to your card issuer.
Cardholder Details
Your name, address and credit card account number to identify your account.
Card Issuer Details
The credit card company’s name and claims department address.
Purchase Information
Date, amount, supplier name and a clear description of what was purchased.
Problem Description
What went wrong: non-delivery, faulty goods, service failure or misrepresentation.
Refund Amount
The exact amount you are requesting as a refund, with a clear breakdown.
Section 75 Reference
Express citation of Section 75 of the Consumer Credit Act 1974 as the legal basis.
Supplier Resolution Attempts
Summary of your efforts to obtain a refund directly from the supplier.
Supporting Documents
List of evidence attached: receipts, statements, emails and photographs.
Response Deadline
Request for a substantive response within a specified timeframe.
FOS Escalation Notice
Notice that the matter will be referred to the Financial Ombudsman Service if not resolved.
How to Write a Section 75 Refund Letter
Follow these steps to request a refund from your credit card provider effectively.
- 1
Confirm Eligibility
Ensure the purchase was on a credit card, the item price was between GBP 100 and GBP 30,000, and there is a valid breach of contract or misrepresentation.
- 2
Detail the Purchase
Provide the date, amount, supplier details and a description of the goods or services you paid for.
- 3
Explain What Went Wrong
Describe the problem clearly: the goods were faulty, the service was not provided, the supplier went bust or the product was misrepresented.
- 4
State the Refund Amount
Specify the exact amount you want refunded and include copies of your receipt and credit card statement showing the transaction.
- 5
Send and Track
Submit the letter to your credit card provider and keep a record of the date sent. Follow up if you do not receive a response within eight weeks.
Legal Considerations
Your right to a refund under Section 75 is a statutory right with specific conditions.
This template is for informational purposes only and does not constitute legal advice. Consult a qualified solicitor for advice specific to your situation.
Reviewed for England & Wales law
Statutory Right to Refund
Section 75 of the Consumer Credit Act 1974 creates a like claim against the UK credit card issuer. If the supplier has breached the contract or made a misrepresentation, you have a statutory right under English law to recover the same amount from your card company as you could from the supplier.
Eight-Week Response Period
British credit card companies are required to provide a final response to a Section 75 claim within eight weeks under FCA rules. If they fail to respond or you are unhappy with their response, you can refer the matter to the UK Financial Ombudsman Service.
Financial Ombudsman Service
The UK FOS provides free, independent dispute resolution for British financial services complaints. It can order the credit card company to pay compensation if it finds in your favour. Its decisions are binding on the firm but not on the consumer, who retains the right to go to a UK court.
Burden of Proof
Under United Kingdom consumer law, the burden of proof is on the consumer to demonstrate that there was a breach of contract or misrepresentation by the supplier. Providing clear evidence such as contracts, correspondence, photographs and expert reports strengthens your case significantly.
Frequently Asked Questions
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