Credit Card Fraud Claims
If you paid by credit card, you have some of the strongest consumer protections available. Section 75 of the Consumer Credit Act makes your card issuer jointly liable with the fraudulent supplier.
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Protection coverage
Maximum recovery: £30,000 (Section 75) / £430,000 (FOS)
Time limit: 6 years (Section 75) / 120 days (chargeback)
Key points
Section 75 covers credit card payments between £100 and £30,000
Your card issuer is jointly liable with the fraudulent supplier
6-year limitation period — much longer than other routes
Chargeback also available with no minimum (120-day window)
Dual-track claims possible if you paid by both card and bank transfer
Section 75 of the Consumer Credit Act 1974 is one of the most powerful consumer protections in UK law. If you used a credit card to pay for goods or services between £100 and £30,000 that turned out to be fraudulent, misrepresented, or never delivered, your card issuer is jointly liable.
You can also pursue chargeback through Visa/Mastercard rules, which has a shorter window (120 days) but no minimum amount. Both can be pursued simultaneously.
For investment scams where you paid partly by credit card and partly by bank transfer, a dual-track claim pursuing both Section 75 and PSR reimbursement gives you two independent paths to recovery.
Common Questions
Credit Card Fraud Claims — your questions answered
No. Section 75 only applies to credit cards. If you paid by debit card, chargeback is your main route. However, if the payment was a bank transfer from your debit card account, PSR mandatory reimbursement rules may apply instead.
Section 75 requires the item to cost between £100 and £30,000. For amounts under £100, chargeback is available with no minimum. You can also pursue a complaint through the Financial Ombudsman if your card issuer doesn’t resolve it fairly.
We operate on a no-win, no-fee basis under a Damages-Based Agreement. If your claim is unsuccessful, you pay nothing. If we recover funds for you, our fee is a percentage of the amount recovered. The exact percentage is clearly explained before you sign anything, as required by SRA regulations.
The PSR mandatory reimbursement scheme applies to payments made within 13 months. For older cases, the Financial Ombudsman can consider complaints up to 6 years from the event, or 3 years from when you became aware. We can assess your eligibility during the free initial review.
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