Build a Section 75-style complaint draft.

When Section 75 may be relevant

Section 75 is often discussed where a UK consumer paid by credit card for goods or services costing between £100 and £30,000. It may be relevant when there has been a breach of contract or misrepresentation, but outcomes depend on the facts and the card provider’s assessment.

Refund Kit does not decide eligibility and does not give legal advice. It helps you organise the purchase details and evidence so you can ask your card provider to consider the route.

Details to include in a Section 75-style draft

A clear draft usually includes the supplier, product or service, purchase date, amount paid, credit-card payment details, what went wrong and what remedy you want. Evidence such as receipts, product descriptions, photos and retailer correspondence can support the request.

Refund Kit builds a structured case summary and a card-provider draft you can edit before sending.

Use it as a backup, not an automatic win

Section 75 is not a guaranteed refund route. It is one possible route to ask about when the facts and payment method may fit. Keep copies of everything and ask your card provider what evidence and deadlines apply.