Section 75 is part of the Consumer Credit Act (CCA) 1974. It states that a finance provider is jointly and severally liable for any breach of contract or misrepresentation by the retailer or trader.
This makes the credit card company you may have paid the deposit with, or the lender who provider you the finance, jointly liable with the company who sold you the product.
Because of the above, Consumer Reclaim are able to pursue claims against companies that mis-sold or misrepresented products to its customers. This applies even when the company is no longer trading because the finance providers are jointly liable.
Section 75 does, however, have strict limitations. To claim under it you must have purchased the product or service within the last 6 years.
The total purchase price of the product or service must have been between £100 and £30,000. You must have paid at least £100 on a credit card towards the purchase; or have taken out finance to cover the purchase.
Consumer Reclaim pursues Section 75 claims on behalf of its clients for a multitude of products and services. We have successfully claimed back thousands of pounds in compensation for products such as Roofing Treatments, Solar Panels, Air Source Heat Pumps, Timeshare Disposals, SAS Alarm Systems, Vistec Window Treatments, Cavity Wall Insulation and many other goods and services. If you believe you may have a claim for a mis-sold or misrepresented product or service, contact the team at Consumer Reclaim today. Our friendly case handlers can provide you with advice on how to get started and what to expect.
Fill out our claim checker here, and one of the team will be in touch.
Alternatively, drop us an email at firstname.lastname@example.org with details about your claim.