Quick summary: A practical evidence checklist for Section 75 and card payment complaints, including contracts, payment records, supplier replies and timelines.
Confirm the payment route first
Keep the credit card statement, receipt, order confirmation and any finance agreement. If only a deposit was paid by credit card, keep evidence of the full contract price and the amount paid by each method.
Show the supplier problem
Your evidence should explain whether the issue is non-delivery, poor workmanship, misrepresentation, cancellation, breach of contract or another failure. Contracts, adverts, screenshots and emails can all help.
Keep complaint replies in order
Save your complaint to the supplier, the supplier response, your complaint to the card provider and any final response. The sequence matters because it shows what each party knew and when.
State the outcome you are asking for
A clear complaint normally explains whether you are asking for a refund, repair cost, cancellation, correction or another remedy. Avoid mixing several issues together without a document trail.
Evidence checklist
- Credit card statement and payment receipt
- Order confirmation, contract or invoice
- Supplier adverts, promises or product description
- Photos, reports or evidence showing what went wrong
- Supplier complaint and response
- Card provider complaint and final response if received
Common questions
What purchase values are usually relevant for Section 75?
Official guidance commonly refers to cash prices over GBP 100 and not more than GBP 30000, but the payment structure and parties involved can affect whether the route applies.
Is chargeback the same as Section 75?
No. Chargeback and Section 75 are different routes. It can help to keep the same evidence pack organised because both routes need a clear payment trail and supplier problem.
Can I complain if the supplier is no longer trading?
Potentially. Keep evidence of the supplier status, contract, payment and failed contact attempts so the card provider can understand the position.