Section 75 and Charge Back..>Whats the difference and how to utilise them
SECTION 75 (Only)
Protection when buying Goods using a Credit Card** - Section 75 Claim
(** or any method of Finance covered by the Consumer Credit Act)
By law, if you've spent between £100 and £30,000, providers should refund you if there's a problem with your purchase. But this vital consumer protection, known as "section 75" claims after the relevant clause in credit law, can be denied to customers, even after a refund has gone through.
This is due to
http://www.legislation.gov.uk/ukpga/1974/39/section/75A
F175A Further provision for liability of creditor for breaches by supplier
(1)If the debtor under a linked credit agreement has a claim against the supplier in respect of a breach of contract the debtor may pursue that claim against the creditor where any of the conditions in subsection (2) are met.
(2)The conditions in subsection (1) are—
(a)that the supplier cannot be traced,
(b)that the debto