Mayfair Appeals crestMayfair Appeals
UK credit card protection

Section 75 Claim & Refund Letter

Prepare a Section 75 claim to your credit card provider when goods or services were misrepresented, not supplied, faulty or the retailer failed to provide the promised remedy.

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Eligibility guide

When Section 75 protection may apply

  • You used a qualifying credit card for a purchase with a cash price over £100 and up to £30,000
  • The supplier breached the contract or made a misrepresentation
  • You paid only part of the price by credit card—Section 75 can still apply to the qualifying cash price
  • The debtor–creditor–supplier relationship has not been broken by an intermediary arrangement

Evidence to gather

  • Credit card statement and purchase receipt
  • The contract, advert or description of what was promised
  • Evidence of the fault, non-delivery or misrepresentation
  • Messages showing you tried to resolve the matter with the supplier

Jurisdiction matters

UK protection and worldwide purchases

Section 75 is a UK Consumer Credit Act protection and may cover qualifying overseas purchases made with a UK credit card.

It is different from chargeback, which is a card-scheme process and can have shorter time limits.

US and Australian buyers should use their card issuer’s dispute or chargeback process rather than describing the request as a Section 75 claim.

Guided dispute-letter builder

Fill the facts into your letter

Step 1 of 4

Your details

Purchase

Breach

Claim

Your details

Add the sender and account details that will appear on the claim letter.

Your details are saved privately, added to your letter after payment, and available in your tracker.

Mayfair Appeals is a professional document drafting service. Our letters are prepared to a legal standard and personalised to your case, but we are not a firm of solicitors and this is not legal advice or representation.

Other global claim services

Choose the route that best matches the payment, purchase or journey you need to challenge.

UK property tax

UK council tax disputes

Council Tax Appeal

Prepare a clear council tax appeal for an incorrect band, liability decision, discount refusal or council decision. Organise your property evidence, decision dates and requested outcome before you challenge.

  • Appeal council tax band
  • Challenge liability or discount
  • Organise valuation evidence

For council tax disputes in England, Wales and Scotland; Northern Ireland uses domestic rates instead

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UK consumer credit

UK credit card protection

Section 75 Refund

Prepare a Section 75 claim to your credit card provider when goods or services were misrepresented, not supplied, faulty or the retailer failed to provide the promised remedy.

  • Section 75 claim letter
  • Goods or services not supplied
  • Misrepresentation or breach of contract

For qualifying UK credit card purchases where the cash price is over £100 and no more than £30,000

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E-commerce

International shopping disputes

Cross-Border & Luxury Returns

Build a clear refund demand for sizing disputes, lost return parcels, damaged goods, customs complications or a seller refusing an international return.

  • Seller refusal
  • Lost return parcel
  • Sizing or description dispute

For purchases from overseas marketplaces, boutiques and luxury retailers

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Travel

Worldwide air passenger claims

Global Flight Compensation

Assess a disrupted journey and prepare a formal airline claim using the facts relevant to EU261/UK261, US DOT refund rules or the applicable international route.

  • Delayed arrival
  • Cancelled flight
  • Denied boarding or missed connection

Built for UK, EU, US and international itineraries

Calculate Refund
Digital services

Software and digital billing disputes

SaaS & Subscription Refunds

Prepare a refund or chargeback request for an accidental renewal, unauthorized payment, duplicate charge, failed cancellation or digital service that was not delivered as promised.

  • Accidental renewal
  • Unauthorized charge
  • Cancellation ignored

For software, apps, memberships and recurring digital services worldwide

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中国电商 / China e-commerce

中国网购退款 · China e-commerce refunds

中国网购退款 / China Shopping Refund

整理淘宝、天猫、京东、拼多多、抖音、Temu、Shein、AliExpress 或其他平台订单的中英文退款申诉。Build a bilingual refund appeal for a mainland China or cross-border marketplace order.

  • 七日无理由退货评估 / 7-day return check
  • 商品不符或质量问题 / Not as described or faulty
  • 平台申诉证据整理 / Platform appeal evidence

适用于中国大陆平台及跨境订单；具体权利取决于卖家、商品、交付地和平台规则 / Rights depend on the seller, product, delivery location and platform rules

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中国出行 / China travel

中国出行退款 · China travel refunds

中国出行退款 / China Travel Refund

为中国航班取消或延误、铁路退改签、酒店或在线旅行平台退款争议准备中英文申诉。Prepare a bilingual appeal for a Chinese airline, rail, hotel or online travel booking dispute.

  • 航班取消或延误 / Flight disruption
  • 铁路退票争议 / Rail refund dispute
  • 酒店或OTA退款 / Hotel or OTA refund

涵盖中国航司、铁路、酒店和OTA；退款或补偿取决于运营方、票价规则和取消原因 / Outcomes depend on the operator, fare terms and cause

Calculate Refund
中国教育 / China education

中国教育申诉 · China education appeals

中国教育申诉 / China Education Appeal

为中国高校的成绩、学籍、处分、录取程序或学费退款争议整理中英文申诉。Prepare a bilingual appeal concerning a Chinese university decision, academic status, discipline, admissions process or tuition refund.

  • 成绩或学术决定 / Academic decision
  • 处分或学籍申诉 / Discipline or status
  • 学费退款争议 / Tuition refund dispute

适用于中国大陆高校的校内申诉准备；期限和程序以学校正式规定及适用规则为准 / Deadlines and procedures follow the institution’s published rules

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