Card payment claim

United Kingdom. Two routes are confused constantly, and picking the wrong one loses the other. Section 75 of the Consumer Credit Act 1974 makes your CREDIT CARD provider equally liable with the trader, for items priced over £100 and up to £30,000 — a legal right with no deadline of its own. Chargeback is a card-scheme rule, not law: it works on debit cards too and has no price limit, but the window is short, around 120 days. This letter states the facts each route needs and asks in the alternative.

Two routes, and choosing wrong loses the other. Section 75 is a legal right against your CREDIT card provider — it does not exist on a debit card, and it turns on the cash price of the ITEM, which must be over £100 and no more than £30,000: a £90 item in a £400 order is outside it, a £5,000 item paid for with a £50 deposit on the card is inside it. Chargeback is not law at all, only a rule of Visa or Mastercard, but it works on debit cards, has no price limit, and closes after roughly 120 days from the transaction or from the date you expected delivery. So if the chargeback window is running, send this now rather than argue with the trader for another month. Ask the trader first where you can — but where the trader has gone under, that is exactly what these routes are for, and you do not have to chase a company in liquidation before claiming. Enclose the order confirmation, the card statement showing the payment and anything the trader wrote to you. If the provider says no, its final response letter is what lets you take it to the Financial Ombudsman Service, which is free — ask for that letter by name. This is the United Kingdom regime, and nothing here is legal advice.

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