Consumer Law

Section 75 & Chargeback Claim Checker

If a trader fails to deliver, goes bust, or sells you something faulty — and you paid by card — you may be able to claim your money back from your card issuer. This tool tells you which route applies and your likely success.

Your Purchase

Payment method Amount paid to the trader (£) What happened? When did you pay? Did you complain to the trader first?

Your Best Claim Route

Recommended route

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Section 75 eligible?

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Chargeback eligible?

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Amount you can claim

£0

Who to contact first

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Section 75 vs Chargeback — The Key Differences

✅ Section 75 (Consumer Credit Act 1974)

Credit cards only (not debit)
Purchase price £100–£30,000
No time limit (6-year limitation period)
Card issuer is jointly liable with trader
Can claim even if paid only part by credit card
Legally binding — strong right

🔵 Chargeback (Visa/Mastercard rules)

Credit AND debit cards
No minimum amount
Must claim within 120 days of payment
Voluntary scheme — not a legal right
Card scheme rules, not statute
Good for smaller amounts or debit cards

Always complain to the trader first — most card issuers require evidence that you tried to resolve the issue directly. Keep records of all correspondence.