Quick summary: Before escalating a rejected Section 75 complaint, organise the payment evidence, supplier documents, complaint history and the exact reason the card provider refused the claim.
Read the rejection reason carefully
Card providers may reject because of the payment route, supplier relationship, missing documents, time limits, no proven breach, or because they believe chargeback is more suitable. The response letter should be matched to the evidence.
Show the breach or misrepresentation
Keep contracts, adverts, brochures, screenshots, invoices, warranties, delivery notes, repair reports and messages showing what was promised and what went wrong.
Make the timeline easy to follow
A clear timeline should show purchase date, payment date, delivery or service date, when the issue appeared, when you contacted the supplier and when the card provider replied.
Useful evidence checklist
- Credit card statement showing payment and amount
- Contract, invoice, order confirmation or receipt
- Supplier messages, adverts and promise wording
- Photos, expert reports or repair quotes where relevant
- Complaint to supplier and card provider
- Final response or rejection letter from the card provider