Consumer Credit Act 1974 – Section 75
Use the following template letter to write to your credit provider informing them you are holding them jointly & severally liable for the breach.
Where goods or services have been paid for using a form of credit, i.e. a credit card or a credit agreement arranged by the trader, you may have an equal liability claim against the credit firm under section 75 of the Consumer Credit Act 1974 provided the contract amount is over £100 but less than £30,000.
In addition to writing to the trader you should send the credit company a letter recorded delivery / proof of posting, outlining the problems you have experienced and giving a deadline for the same resolution as requested from the trader within a set period of time (i.e. 14 days).
You should retain copies of your letters for your records.
This template should only be used for guidance and may not suit your specific situation. If you require more detailed advice & guidance, please call Consumer Direct on 08454 04 05 06
Download this letter as a word template
Personal Name / Address Details
DATE…….
Owner / Manager’s name (or The Manager)
Retailer’s name
Retailer’s address
Retailer’s postcode
Dear [owner/manager’s name or Sir/Madam]
Account No…………….
Consumer Credit Act 1974 (as amended)
Please find enclosed copies of letters to [trader’s name] in relation to [describe complaint], which I purchased on [insert date] at a cost of £xxx, using my credit card/ under a regulated credit agreement. [Delete as appropriate]
Under section 75 of the Consumer Credit Act 1974, I hold you jointly and severally liable for the breach of contract with [trader’s name] and therefore seek the same resolution as requested from them in the attached correspondence within the next 14 days.
Yours sincerely / Yours faithfully
[Name]
