1 Consumer Credit Act 1974 - Template letter for use when Goods and Services have been bought on credit
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 that the cash price of the item is over £100 (but not more 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 paid by debit card you are not covered by section 75 and there is no legal obligation on the card provider to reimburse you. You may though be able to ask for money back under the 'chargeback' procedure operated by members of the Visa and Mastercard schemes - speak to your bank to see if this is possible.
If you require more detailed advice & guidance, please call Consumer Direct on 08454 04 05 06
