Section 75 Claims

Section 75 Claims

Our three most common section 75 claims are against Eze Group, Monster Travel and Planet Sunlight. If you have purchased any of these products and would like your money back, then get in contact with us.

Essential Information . IMPORTANT.
If you purchase goods and services and your goods/ services cost £10,000.You only pay a deposit of £500.00 by credit card. You pay the remaining £9500.00 by bank transfer. The protection under Section 75 affords you the ability to claim ALL of the £10,000.00 back from the credit provider. Regardless of how much was paid by credit card. Even though you only paid £500.00 by credit card, if your claim is successful, then the whole £10,000.00 will be repaid to you, with interest.

You can reduce the incident of a wrong purchase by the way you make a purchase. We will explain how you can protect your purchase. Obtain recompense for goods and service which do not live up to a retailer's promise and breach of your consumer rights.

The Consumer Credit Act 1974 (Section 75)

The Consumer Credit Act is an act consisting of approximately 193 sections and five schedules. It is, in itself, a very complex piece of statutory legislation, but there is one section that is particularly helpful to every consumer and that is Section 75 of the act. Section 75 provides consumer protection to anyone purchasing with credit, usually in the form of a credit card. We emphasise here: we are explicitly talking about a credit card NOT a debit card. We will cover debit cards in more detail below.

Under Section 75 of the Consumer Credit Act a consumers purchase is protected against the following;

1. Fraudulent transactions.
2. Mis-selling of any goods or services purchased with a credit card.
3. Misrepresentations as to claims and promises made the retailer/ seller which are found to be untrue.
4. A retailer or seller who goes out of business leaving a consumer without the promised goods or services.

In any of the circumstances above, your covered under the provisions of Section 75 — a full refund of all monies paid. However, banks and financial institutions do not make it easy for consumers to reclaim their losses.

While it is widely reported in the media and on the internet that consumers can ask for their monies to be refunded, banks and financial institutions make the process very difficult.

There are many consumer websites and forums giving advice and providing template letters, but the skill in presenting a successful claim comes with many years of experience.

A word of caution here, a claim will be ruined if the basis of the application is not correctly pleaded. It could compromise or hinder a successful recovery. The opportunity to do so may well be lost, along with your money.

We are experts in presenting claims of this type and have a relationship with all the major credit provider's Section 75 departments. We have submitted many claims with success. We understand the bank and financial organisations criteria when reviewing a claim and what will and what will not be accepted evidentially.

Rules For Claiming Under Section 75

1. Misrepresentation or breach of contract by the merchant
2. Purchases must be between £100 and £30,000
3. Goods or services must be bought using a credit card

or any purchase involving pre-agreed credit, such as a point-of-sale loan or some store cards

4. The amount of credit provided to the consumer towards the purchase must not exceed £25,000
5. There is no time limit to claim under Section 75, but the Statute of Limitations is six years (five in Scotland) This the deadline for pursuing a claim in the courts.

*If your claim is nearing the six-year limitation period we can assist you in issuing proceedings to avoid the claim becoming Statute Barred.