Disclaimer and affiliate disclosure

General information only

The content on this website is general information only. It does not constitute legal advice for your specific situation. Section 75 claims depend on the individual facts of each case, the terms of your credit agreement, the nature of your purchase, and other factors that vary from person to person.

Nothing on this site should be relied upon as a substitute for advice from a qualified solicitor. If you are uncertain about your legal position, or if the amount at stake is significant, we recommend consulting a consumer law solicitor before proceeding.

Not a claims management company

Section 75 Claim Helper is not a claims management company. We do not handle claims on your behalf, correspond with your bank or credit card provider on your behalf, or accept a proportion of any refund you receive. We provide information and document templates only.

If you are approached by a company offering to handle your Section 75 claim in exchange for a fee or a percentage of the refund, check that they are authorised by the Financial Conduct Authority before engaging them. Our FCA firm reference number is [TODO: insert FRN if applicable, or remove this line if not regulated].

Accuracy of information

We take care to ensure the information on this site is accurate and up to date. However, the law can change, and Financial Ombudsman Service decisions evolve over time. We cannot guarantee that every article reflects the current state of the law at the time you read it.

Primary sources, including the Consumer Credit Act 1974 and FOS decisions, should be consulted directly where they are material to your decision. Links to primary sources are provided throughout this site where relevant.

Affiliate disclosure

Some pages on this site contain affiliate links to credit card and financial products. If you apply for a product via one of these links, we may receive a commission from the product provider. This is disclosed clearly at the top of any page where affiliate links appear.

Our affiliate relationships do not influence which products we feature or the order in which we present them. We recommend products on the basis of their suitability for consumers making Section 75 claims, their customer service track record, and their terms and conditions. Commission rates are not a factor in our recommendations.

We comply with the ASA CAP Code on affiliate disclosure. If you have a concern about a specific affiliate link or recommendation on this site, please contact us.

External links

This site links to external websites including legislation.gov.uk, the Financial Ombudsman Service, and the Insolvency Service. We are not responsible for the content of external sites and cannot guarantee their accuracy or availability.

Privacy

[TODO: Add privacy policy or link to separate privacy policy page. Required for GDPR compliance, particularly if email capture is active.]