UK Section 75 Consumer Credit Act 1974 Claim Letter to Card Issuer
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Your Situation
Tell us about the transaction, the credit-card payment, and what went wrong with the supplier.
This letter will cite
Consumer Credit Act 1974 s.75 (equal and several liability of card issuer) + s.75A (linked credit, £30,000-£60,260) + OFT v Lloyds TSB Bank [2007] UKHL 48
Your letter will cite the s.75 £100-£30,000 band, confirm the issuer's joint and several liability for the whole loss (not just the sum on the card), and apply the correct limitation for England & Wales, Scotland, or Northern Ireland.
Limitation differs: 6 years in England & Wales and Northern Ireland; 5 years in Scotland (Prescription and Limitation (Scotland) Act 1973).
This is the price of the goods or service, not the deposit and not the amount charged to your card. The £100 floor refers to the cash price of the item itself.
Even if you paid only a deposit on the card, s.75 still applies — provided the cash price of the item is £100-£30,000.
Section 75 covers both grounds — either is enough to make the card issuer jointly liable with the supplier.
If the supplier is insolvent, s.75 is critical because chargeback usually fails. For overseas transactions on UK-issued cards, OFT v Lloyds TSB Bank [2007] UKHL 48 confirms s.75 still applies.