Section 75 Claim Letter Template – Credit Card Refund UK
Use this free section 75 claim letter (United Kingdom): fill it in online, download it as Word or PDF, and follow our step-by-step guide – where to send it, whether it needs notarizing, what to attach and mistakes to avoid.
| Country | 🇬🇧 United Kingdom |
|---|---|
| Document type | Consumer & contracts |
| Format | Word, PDF & fill in online |
| Cost | Free |
| Time to complete | about 5 minutes |
| Notarization | Not required |
What is this letter for?
Section 75 of the Consumer Credit Act makes your credit card provider jointly liable for purchases between £100 and £30,000 if the retailer breaches the contract or goes bust.
Where do you send it?
Send it to your credit card provider's claims team, then to the Financial Ombudsman if rejected.
Does it need to be notarized?
Not required. No notarization is needed: sign the letter by hand (or electronically if accepted) and keep proof of when you sent it.
What you need before you start
- Card number (last 4 digits)
- Purchase details and cost
- Evidence of the breach
How to use this template
- Click each yellow field inside the letter and type your details directly (Enter jumps to the next field).
- Read the text through; the “Edit” button lets you change any sentence.
- Click “Word”, “PDF” or “Copy”, then sign and send.
Free template : section 75 claim letter
Your full name
Address line 1
Town / City
Postcode
Email | Phone
Date
Card provider
Section 75 Claims
Address
Re: Section 75 claim – card ending last 4 digits
Dear Sir or Madam,
I am making a claim under Section 75 of the Consumer Credit Act 1974.
On date I paid £amount with my credit card to retailer for goods/services. Explain the breach: not delivered, faulty, company went bust.
I have tried to resolve this with the retailer without success. I request a refund of this amount.
Yours faithfully,
Your full name
⚠️ Disclaimer: this template is for general guidance only and is not legal advice. Always check the requirements of the organization you are writing to before sending it.
Common mistakes to avoid
- ❌ Item under £100 or over £30,000.
- ❌ No receipts or evidence.
- ❌ Not trying the retailer first.
Tips before you send it
- Keep receipts and statements.
- Check the item cost was between £100 and £30,000.
- Escalate to the Financial Ombudsman if rejected.
Frequently asked questions
Does Section 75 apply to debit cards?
No, but chargeback may help with debit cards.
What if I paid only part on credit card?
You may still be covered for the full amount.
Where do I send this letter (section 75 claim letter)?
Send it to your credit card provider's claims team, then to the Financial Ombudsman if rejected.
Does this letter (section 75 claim letter) need to be notarized?
Not required – No notarization is needed: sign the letter by hand (or electronically if accepted) and keep proof of when you sent it.