Your Rights
Financial Ombudsman
"Ombudsman News gives general information on the position at the date of publication. It is not a definitive statement of the law, their approach or their procedure."
Equal liability under Section 75 of the Consumer Credit Act 1974
Paying for goods or services by credit card is now a major part of daily life, with many people preferring this method of payment to using cash or cheques. An advantage of using a credit card is that, under Section 75 of the Consumer Credit Act 1974, customers who have a claim against a supplier for breach of contract or misrepresentation will generally have an equal claim against the card issuer. » Read more…Disputes involving Section 75 of the Consumer Credit Act 1974
Each year, we [Ombudsman News] receive a significant number of complaints that involve Section 75 of the Consumer Credit Act 1974 – under which, in certain circumstances, the provider of credit is equally liable with the provider of goods or services where there is a breach of contract or misrepresentation. » Read more…Common misunderstandings about claims made under Section 75 of the Consumer Credit Act 1974
We [Ombudsman News] receive a significant number of complaints that involve Section 75 of the Consumer Credit Act 1974. Under Section 75, in certain circumstances, the provider of credit is equally liable with the provider of goods or services in cases where there has been misrepresentation or a breach of contract. » Read more…Clarification on the application of Section 75 of the Consumer Credit Act 1974 to transactions made abroad
» Read more…Update on the application of Section 75 of the Consumer Credit Act 1974 to transactions made abroad
» Read more…
Distance Selling Regulations
- If you consider that you have a claim under the Distance Selling Regulations it is advisable to look at the detail of the regulations before starting a claim.» Read more…
Your rights when paying by credit card
When you can't claim against your card company
Section 75 of the Consumer Credit Act outlines buyers rights and potential problems when paying by credit card, where the company that dealt with your card payment is not the same as the one that provided the goods or services.
» Read the full Which? Advice reportHow to complain
How to complain to your credit card company about a faulty product.
» Read the full Which? Advice articleSection 75 sample letters
Two sample letters that can be used to make a claim under Section 75 of the Consumer Credit Act.
» View Which? Advice sample lettersOnline refunds 'should include delivery fees'
Europe's top court overrules German law – EU ruling on refunding delivery charges when goods are returned to the supplier.
» Read full Which? Advice articleChargeback on credit and Visa debit cards
Chargeback is a process – which is available to consumers, rather than traders – that allows you to reverse a transaction if you are unhappy with the item or if your card has been used fraudulently.
» Read full Which? Advice report
Guardian Newspaper
"Debit card users need more protection", says consumer watchdog
Consumer Focus says debit card users should get the same financial protection as credit cards users when a firm collapses.
» Read the full Guardian Newspaper article – originally published on 7 August 2009
