Dispute an Unfair Credit Card Charge
Under Section 75 of the Consumer Credit Act, your card provider is jointly liable for purchases £100–£30,000. We help you submit a winning chargeback claim.
Get your personalised letter
Solicitor-drafted wording with citations to UK · US · AU consumer law — ready to send in 60 seconds.
Single Letter
Just the letter
- One personalised, solicitor-drafted letter
- Instant PDF download
- Cites UK · US · AU consumer law
Complete Pack
Everything for one issue
- Personalised letter (PDF + Word)
- Email version with subject line
- Step-by-step action plan
- Follow-up letter if you're ignored
- 1 hour of unlimited letters
Pay direct with Bitcoin or Ethereum · One-off payment · No account · Instant PDF download · Free rewrite within 14 days
Example letter snippet
Dear [Bank], I am submitting a Section 75 claim regarding a charge of £[amount] on [date] to [merchant]. The goods/services were [issue]. I require a full refund...
Send the letter that actually gets a response
Both plans include a personalised letter; the £3.99 Complete Pack adds the email version, action plan and follow-up.
Single Letter
Just the letter
- One personalised, solicitor-drafted letter
- Instant PDF download
- Cites UK · US · AU consumer law
Complete Pack
Everything for one issue
- Personalised letter (PDF + Word)
- Email version with subject line
- Step-by-step action plan
- Follow-up letter if you're ignored
- 1 hour of unlimited letters
Pay direct with Bitcoin or Ethereum · One-off payment · No account · Instant PDF download · Free rewrite within 14 days
Frequently asked questions
- How do I write a letter about dispute a credit card charge?
- Set out the facts in date order, state exactly what went wrong, cite the consumer or contract right you are relying on, and finish with a specific remedy and deadline. Mayfair Appeals drafts all of that for you: answer a few questions and you receive a formal letter, an email version and a follow-up, ready to send in about 60 seconds.
- Is this finance letter template free to use?
- You can read the example wording on this page free of charge. A personalised document — written around your dates, names and amounts, with the correct legal citations and a downloadable PDF — starts at £0.59.
- What should I include as evidence?
- Attach anything that proves the timeline: receipts or invoices, order and reference numbers, photographs, screenshots of chat or email threads, and notes of any phone calls with dates and the name of the person you spoke to. Reference each attachment in the letter itself.
- How long should I give them to respond?
- Fourteen days is the accepted standard for a first formal letter, and eight weeks is the usual limit before you can escalate to an ombudsman or regulator. Every document we produce states the deadline clearly and explains the next step if it passes.
- What can I do if they ignore my letter?
- Send the follow-up included with your document, then escalate: to the company's formal complaints procedure, to the relevant ombudsman or regulator, to your card provider through chargeback or Section 75, or to the small claims court. The action plan supplied with your letter sets out which route fits your situation.
Related guides and free templates
Free finance-related templates and step-by-step guides from Mayfair Appeals.