Paid by credit card and something went wrong? We help you organise your evidence and draft a clear Section 75 complaint letter for you to send to your card provider.
Section 75 of the Consumer Credit Act gives you important protection when you pay by credit card — but card providers don’t always make the process clear or easy.
If goods didn’t arrive, services weren’t provided as promised, or what you received wasn’t as described, you may be entitled to a refund — even if the retailer is unhelpful, overseas, or no longer trading.
Quaerens is not a law firm and does not act on your behalf. We review your documents, explain how Section 75 applies in plain English, and draft a clear, structured complaint letter for you to send to your credit card provider.
Fixed admin fee. No guarantees — just clear wording, structure, and sensible escalation support if needed.
This service is designed for situations where you paid by credit card and something went wrong with the purchase — but you’re unsure how to raise a proper Section 75 complaint with your card provider.
You stay in control: we draft, you send. If it looks like your situation needs a solicitor or formal legal action, we’ll tell you early.
Send us what you have — receipts, card statements, booking confirmations, emails, or correspondence. We’ll tell you what’s relevant, what’s missing, and draft a clear Section 75 complaint letter for you to send to your credit card provider.
Fixed admin fee
We don’t promise outcomes. We help you present your situation clearly and properly.
Important: Quaerens is not a law firm and does not provide legal advice. We provide practical support, document review, and complaint drafting assistance. Where appropriate, we may suggest escalating to the Financial Ombudsman Service.
Tell Us What Happened
If you paid by credit card and something went wrong — a cancelled service, goods that never arrived, faulty items, or a refund that’s been refused — tell us what happened and share any documents you have.
We’ll review the information and explain, in plain English, whether Section 75 support is suitable and what we would need to draft a clear complaint letter to your card provider.
This is a fixed-fee Section 75 support and drafting service. No guarantees — just clear, professional wording and practical guidance.
You can ask general questions here before getting started. If your situation would be better handled through chargeback, the retailer, or a solicitor, we’ll say so early.
Send us a short summary of what happened and any relevant documents. We’ll confirm what’s needed and whether Section 75 support is suitable before you proceed.
Submit Your InformationQuaerens is not a law firm. We provide practical document review, complaint drafting, and escalation support. We do not provide legal advice.
We can’t promise outcomes — but a calm, well-structured Section 75 request, supported by the right documents, often receives a more serious response than informal messages or incomplete submissions. Below are examples of what people commonly experience when their position is set out clearly and properly.
“I didn’t realise my credit provider could be responsible. Once the Section 75 request was set out clearly with the purchase details and supporting evidence, I received a proper review instead of generic replies.”
— Credit card purchase dispute (UK)
“I’d already complained to the retailer with no success. The Section 75 request made it clear why the lender was jointly responsible, and the case was finally taken seriously.”
— Faulty goods dispute (UK)
“The biggest benefit was understanding what actually mattered for Section 75. I knew what evidence to include, what to leave out, and how to escalate calmly if the first response was a ‘no’.”
— Service not provided dispute (UK)
Note: Examples above are illustrative only. Outcomes depend on the facts, documentation, and the lender’s review process. Quaerens is not a law firm and does not provide legal advice.