Short answer
For a Section 75 enquiry, gather the contract, invoice, card statement, cash price, breach or misrepresentation evidence, bank response, chargeback history and Financial Ombudsman papers if any.
Quick checklist
Start with these
Best order
How to organise the first pack
- Put payment and contract documents first.
- Explain the supplier, lender and any intermediary.
- Add evidence of breach or misrepresentation.
- Group supplier and card-provider responses by date.
- State the remedy sought and current deadline.
Show The Transaction And Payment Route
Start with the contract, receipt, invoice and credit-card statement. Identify the supplier, the card issuer, any intermediary and the cash price of the item or service.
If only a deposit was paid by credit card, include the full contract price and explain how the balance was paid.
- Contract, order confirmation, invoice and terms.
- Credit-card statement and payment receipt.
- Supplier name, trader details and intermediary platform if any.
- Cash price and amount paid by card.
- Refund, cancellation or delivery records.
Evidence The Breach Or Misrepresentation
A Section 75 pack should not only show payment. It should show what was promised, what happened, what loss is claimed and how the bank or lender dealt with the complaint.
Keep chargeback, supplier complaint and Financial Ombudsman material in date order so the complaint route is clear.
- Advert, specification, emails and screenshots.
- Photographs, expert reports or repair evidence.
- Supplier complaint, response and refund refusal.
- Bank or card-provider Section 75 decision.
- Chargeback record and Financial Ombudsman correspondence if relevant.
Frame The Advice Request
The enquiry should say whether the person needs advice on a lender response, draft letter, court claim, defence, evidence gaps or complaint strategy.
This guide is general information only and does not say whether Section 75 applies to any particular card purchase.
Avoid delays
What not to send first
- Sending only the credit-card statement without the contract.
- Confusing debit-card chargeback with Section 75.
- Omitting the supplier's response.
- Ignoring cash-price and intermediary issues.
Source note: source-checked against Consumer Credit Act 1974 section 75 and Financial Ombudsman Service Section 75 and chargeback guidance on 26 September 2026. Debtor-creditor-supplier link, cash-price limits, breach, misrepresentation, limitation and complaint-route issues need specialist consumer or finance-law review before publication.
Claim and official-source ledger
- Consumer Credit Act 1974 section 75 provides for creditor liability for certain supplier breaches of contract or misrepresentations under debtor-creditor-supplier agreements, subject to statutory limits and exceptions.
- Consumer Credit Act 1974, section 75 — legislation.gov.uk; checked .
- The Financial Ombudsman Service explains that card providers may consider chargeback and Section 75 claims and that supporting information may include receipts, contracts, correspondence, photos and expert evidence.
- Problems with goods and services: section 75 and chargeback — Financial Ombudsman Service; checked .
Editorial status: Review required. Sources support the identified claims only. General information; not legal advice.
Section 75 Credit Card Claim Barrister Evidence Guide FAQs
What does Section 75 usually concern?
Section 75 concerns creditor liability for certain supplier breaches of contract or misrepresentations under a debtor-creditor-supplier arrangement. Whether it applies depends on the facts.
Is chargeback the same as Section 75?
No. The Financial Ombudsman Service describes chargeback and Section 75 as different routes. Send both the chargeback history and any Section 75 response if both have been raised.
What proof of payment is useful?
Credit-card statements, receipts, invoices, the supplier contract, cash price and any deposit or part-payment evidence help identify the payment route and transaction value.
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If your matter is urgent, include hearing dates, court deadlines, orders and any documents you already have when you submit your enquiry.
