Section 75 (Consumer Credit Act 1974)

Section 75 of the Consumer Credit Act 1974 provides protection for consumers when making purchases between £100 and £30,000 using a credit card. It holds both the credit card provider and the retailer jointly liable if something goes wrong with the purchase, such as a fault with the goods or services, or if they don’t arrive at all. This means that if a consumer has an issue, they can claim a refund or remedy from the credit card provider, even if the problem was with the retailer. This section enhances consumer rights and offers important financial protection.