How to get money back from a credit card payment if you’ve been ripped-off

Yesterday’s blog was about a “computer service” guy called Jon Draper who basically ripped me off when I foolishly let him debit my credit card before realising he had buggered-up my previously OK computer. (There had been a WiFi problem.)

My friend Lynn interestingly tells me the following which, obviously, only refers to the United Kingdom.


You can claim the payment back from your credit card company if the payment is over £100.

Under Section 75 of the Consumer Credit Act 1974, your credit card company is jointly liable if something goes wrong with a product or a service you’ve paid for by credit card. The Which? website gives further details.

You can potentially claim for any breach of contract or misrepresentation by the company from which you’ve bought your goods.

This means your credit card company shares equal responsibility with the retailer or trader for the goods or service supplied, allowing you to put your claim to the credit card company.

You don’t have to reach stalemate with the retailer or trader before you can contact your credit card provider – you can make a claim to both the retailer and credit card provider simultaneously.

Section 75 is particularly useful if the retailer or trader has gone bust, or you’re getting no response to your letters or phone calls.

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