If you paid for a product or service on a credit card or linked finance, your purchase is protected by Section 75 of the 1974 consumer credit act.
Submitting a Section 75 claim to your credit provider does NOT guarantee a refund and is not an automatic right of recourse. If you meet the qualifications required to submit a Section 75 claim, you are well within your rights to have your claim heard. However, it does not necessarily mean that your credit provider will agree with you and that you will get your money back.
If you are unhappy with the response of your credit provider and your claim is subsequently rejected, then you are entitled to submit your claim to the Financial Ombudsman Service (FOS).
FOS is a free service that will look at the presented submissions from you and your bank. Then adjudicate a final response. This final response either goes in favour of you or the bank.
Unfortunately, many consumer websites provide uneducated information regarding section 75 claims. That leads consumers to believe that sending a simple template letter will lead to a successful outcome. Unfortunately, successful 75 claims can become complex and confusing, and banks can sometimes be very unhelpful.
Proving and presenting a successful section 75 claim often needs professional advice and guidance, increasing your chances of making your claim successful.
Our investigators are highly experienced and have expert knowledge of the laws surrounding section 75 claims. As such, we have won thousands of section 75 claims over the past ten years. In addition, one of our many services involves taking on section 75 claims that the credit provider has already rejected. Some credit providers will definitely make it more difficult than others to reclaim your money. Our knowledge of credit providers will ensure that using our services will give you the very best chance of success.