Under Section 75 of the Consumer Credit Act 1974, you're covered if something goes wrong with new or second-hand goods you've purchased on your credit card in the UK or abroad.
Under Section 75, you could be entitled to compensation from Barclaycard, if goods you've bought on your credit card are:
- not delivered
- or the information given about them was misleading
You’ll be able to make a Section 75 claim as long as:
- at least part of the goods or services were purchased on your credit card by you, the main cardholder (additional cardholders or third parties won't be covered)
- the single value of the one item is between £100 to £30,000
- the purchase was made less than six years ago
- your purchase was not made through a third party like Alibaba, Amazon Marketplace, Clearpay, Curve, PayPal, Western Union or Klarna. They might not be covered, however these third parties may have their own protection schemes. If the retailer uses PayPal to take payments and you’ve used your Barclaycard as normal, you’ll still be covered by Section 75
As Section 75 is quite complex, we've explained this in more detail on the protecting you and your purchases page.
The quickest way make a Section 75 claim is to claim online.
If you use the Barclaycard app, you can make a claim. Simply click on the transaction you wish to dispute, select ‘Help with this transaction’ and follow the steps – we’ll explain what we need at every step.
We also offer a Next Generation Text or SignVideo service. For more information, visit barclaycard.co.uk/accessibility.
If you're not sure you've got a valid claim, don't worry as we'll review the details and ensure your claim is processed correctly.