Seller Refusing a Refund or Gone Bust? Claim the Full Amount From Your Credit Card Under Section 75
Even if you only paid a £10 deposit on your credit card, your bank is jointly and severally liable for the entire contract (£100 to £30,000). Speak to Priya Kapoor—first 2 questions free.
🧮 Section 75 & Chargeback Eligibility Checker
Instant UK Statutory Assessment
Complete or adjust the fields above to calculate your exact UK statutory position, compensation estimate, or limitation deadline.
⚖️ UK Statutory Position Across Jurisdictions
🏴 England & Wales Statutory Authority
Consumer Credit Act 1974 Section 75 (Joint & several liability of credit card issuer for single item/contract priced over £100 up to £30,000) & Financial Ombudsman Service
🏴 Scotland Statutory Authority
Consumer Credit Act 1974 Section 75 (UK-wide statutory protection; 5-year prescription period in Scotland under Prescription and Limitation (Scotland) Act 1973)
🇬🇧 Northern Ireland Statutory Authority
Consumer Credit Act 1974 Section 75 (UK-wide statutory protection; 6-year limitation period in Northern Ireland)
🏛️ Primary Resolution Forum & Limitation Deadline
Forum: Credit Card Issuer → Financial Ombudsman Service (FOS) after 8 weeks or Deadlock Letter
Time Limit: 6 years from the breach of contract (England & Wales); 120 days for Visa/Mastercard Debit Chargeback
Time Limit: 6 years from the breach of contract (England & Wales); 120 days for Visa/Mastercard Debit Chargeback
❓ Frequently Asked Questions (Consumer Law)
Does Section 75 cover the whole purchase price if I only put the deposit on my credit card?
Yes. Provided the cash price of the single item or service is over £100 and not more than £30,000, paying even £1 of the deposit on a credit card makes the card issuer jointly and severally liable for the entire contract value.