![]() ![]() ![]() Your card provider is the company that sends you your statements. Tell your card provider you want to make a Section 75 claim. If your card provider won't let you use Section 75, ask for chargeback instead. You can ask your card provider to use Section 75, but they might say no. Wallets like PayPal, where you put money in an account then use that account to buy things For example, you might have bought it through:Ī marketplace like Amazon or eBay, where you use one company's website to buy from other companiesĪ website like GroupOn, where you buy a voucher to use with other companies You can't usually use Section 75 if you bought something through a third party rather than directly from the trader. Although she paid £105, no single item cost more than £100. The phone cost £80, the headphones cost £20 and the delivery charge was £5 – so the total cost was £105. Olga bought a mobile phone and some headphones using her credit card. If you can’t get through to the retailer, you should check the terms and conditions of your Buy Now Pay Later provider to see if they can help. If you paid through Buy Now Pay Later, you can still ask for chargeback but your credit or debit card provider might not agree to do it. Paid with a credit card and you can't use Section 75 You should ask for your money back using 'chargeback' if you: Paid through a Buy Now Pay Later provider You can't usually use Section 75 if you:ĭidn't buy directly from the trader - for example if you bought from eBay ![]() The limits are for a single item you want to get a refund for, not the whole order. If you paid with a credit card, you should ask for your money back using Section 75 of the Consumer Credit Act – as long as you paid more than £100 and no more than £30,000. If you open a dispute on the PayPal website you have 180 days from when you paid to open a dispute – this is about 6 months. ![]() If you paid through a Buy Now Pay Later provider or using money from your PayPal account, you should open a dispute on your provider's website. Check the best way to get your money back If you paid through a Buy Now Pay Later provider, you should check their website to see if they can help. If you can't contact the trader or they won't help, you can then ask your card provider or PayPal. Keep a copy of anything you send, in case you need to check it later. It’s best to email or write to the trader - you can use a template letter. You can check if the trader has a complaints procedure on their website If the trader has a complaints procedure, you should follow it when you contact them. If you can't contact them or they won't help, ask your card provider or PayPal to help. It's usually best to try to contact the trader. Got something that's different to how it was described We encourage you to continue working with the recipient for a refund.There are steps you can take if you bought something by credit card, debit card, charge card or through PayPal. However, you can't report a problem for payments sent as "Family and Friends". Add any relevant information and click Submit.The product or service is not as described.Select the reason for your dispute, such as:.If you don’t hear back from the recipient and the payment was sent as Goods and Services, you can open a dispute within 180 days of the payment date. You can also use the Chat option within the transaction to contact the recipient. Use the contact details to get in touch with the recipient and request a refund. Go to your Activity and select the payment you want refunded. If the payment status is 'completed', ask the recipient to refund you. Go to your Activity, find the payment, and click Cancel. If you sent a payment to the wrong person and the payment status shows as unclaimed, you can cancel it. ![]()
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