Understanding Section 75 Refunds: Your Guide to Consumer Protection

Section 75 is part of the UK Consumer Credit Act that provides protection for purchases made with a credit card. If you spend over £100 and up to £30,000, your credit card provider shares liability with the retailer, meaning you can claim a refund if the goods are faulty, not as described, or fail to arrive.

Section 75 covers a range of purchases, including:

• Goods or services that are faulty or not as described.
• Items that never arrive.
• Purchases made through certain financing options, such as store cards or PayPal Credit.

However, it does not apply to purchases made with debit cards or for items under £100.

Making a Section 75 claim can be straightforward. Here’s how you can do it:

• Contact your credit card provider directly, either via their app or customer service hotline.
• Provide details of the transaction, including the date, amount, and reason for the claim.
• Keep records of any correspondence, including evidence of the issue with the purchase.

If your claim is denied, you can escalate it to the Financial Ombudsman.

While Section 75 is a strong form of consumer protection, it’s not the only option available. If your purchase doesn’t meet the criteria for a Section 75 claim, you might consider a chargeback. Unlike Section 75, chargeback can be applied to any card transaction, including those under £100, but it generally offers less protection and has a shorter time frame for claims.

Using an app like Smart Expense can help you keep track of your purchases and ensure you stay informed about your spending. With features like automatic transaction categorization and voice entry for quick logging, you can easily monitor your eligible expenses for Section 75 claims. Plus, if you receive confirmation emails or receipts, our Email Reader feature can help you log these transactions effortlessly, ensuring you have all the necessary information at hand when filing a claim.