Get Your Money Back
Paid for something that went wrong? You may be able to force a refund through Section 75 or chargeback. Answer three quick questions to see your route. Guidance only, nothing saved.
General guidance based on UK rules, not legal advice or a guarantee of a refund. Your bank or card provider makes the final decision — and if they get it wrong, the Financial Ombudsman Service is free.
How to get your money back: Section 75 vs chargeback
When a purchase goes wrong — it never arrives, it's faulty, it's not as described, or the company goes bust — you often have a way to get your money back through your card. This tool asks how you paid, how much it cost and what went wrong, then tells you which route applies: Section 75, chargeback, or both.
Section 75 of the Consumer Credit Act is a legal right: if you paid by credit card for a single item costing between £100 and £30,000, your card provider is jointly liable with the retailer, so you can claim from them directly — even years later, and even if the seller has gone bust. Chargeback is different: it's a card-scheme rule that covers debit and credit cards for any amount, but it's time-limited (usually around 120 days), so you need to act quickly.
It all runs on your device with nothing saved. This is general guidance, not legal advice — your bank makes the final decision, and if they get it wrong you can escalate to the Financial Ombudsman Service for free.
Frequently asked questions
What's the difference between Section 75 and chargeback?⌄
Section 75 is a legal protection for credit-card purchases of £100–£30,000, making your card provider jointly liable with the retailer. Chargeback is a card-scheme rule (Visa/Mastercard/Amex) that works for debit and credit, any amount, but is time-limited (typically ~120 days).
Can I claim if I paid by debit card?⌄
Debit cards aren't covered by Section 75, but you can use chargeback. Contact your bank as soon as possible, as chargeback has a time limit.
Does Section 75 apply if I only paid the deposit on a credit card?⌄
Often yes. As long as the item's cash price is between £100 and £30,000 and you paid at least part of it on a credit card, Section 75 can still apply to the whole amount.
What if the company has gone out of business?⌄
That's exactly where Section 75 shines — because the card provider is jointly liable, you can claim from them even if the retailer no longer exists. For debit cards, try chargeback.
What if my bank refuses my claim?⌄
You can take it to the Financial Ombudsman Service, which is free and independent. Keep all your evidence and correspondence.