CTSI logo

UK European Consumer Centre

Are you protected?

cashier making a transaction through a tillIt’s that time of year when you may be struggling with faulty Christmas presents. You may be wondering what your rights are. 

Did you know you may have the right to what’s known as a ‘section 75 refund’? When you purchase goods or services with a credit card you are legally provided free protection on your purchases.   

In a nutshell, the law states that the credit provider is equally liable if you have a problem with the goods or service if a) you pay for something on a credit or store card and b) the value is between £100 to £30,000. This protection is under Section 75 of the Consumer Credit Act 1974. You don’t event have to pay the full amount on the credit card, just a deposit.

It’s worth bearing in mind that you will not be covered under Section 75 if you are paying through what’s known as a ‘Third Party payment provider’ such as PayPal. This is because paying through a third-party payment provider adds another party into the agreement, taking the overall parties to four (you, trader, credit provider and the third-party payment provider): Section 75 only applies in three-party arrangements.

For more information on what’s covered and what’s not covered under Section 75, as well as further information, check out our advice page - Section 75 Refunds

Share this news story