Section 75 Claims with Barclaycard: How to Claim and What to Expect
You have a Barclaycard and a purchase has gone wrong. The retailer has failed, refused a refund, or delivered something that bears no resemblance to what you paid for. Under Section 75 of the Consumer Credit Act 1974, Barclaycard shares joint liability with the retailer for that purchase — and you can claim against Barclaycard directly.
Barclaycard is the UK’s largest independent credit card issuer. They process a significant volume of Section 75 claims and have a defined disputes process. That does not mean claims are straightforward — initial rejections are common — but knowing the right channel and what to include significantly improves your chances of a first-attempt resolution.
Quick check: does Section 75 apply to your Barclaycard purchase?
- ✓ You paid at least £1 of the purchase on your Barclaycard
- ✓ The total purchase price was more than £100 and no more than £30,000
- ✓ The purchase was on a personal Barclaycard, not a Barclaycard Business card
- ✓ The retailer failed to deliver, supplied faulty goods, misrepresented the product, or has gone into administration
Not sure? Use the free eligibility checker.
Which Barclaycard products qualify
Barclaycard issues several card products. Standard personal credit cards — including Barclaycard Rewards, Barclaycard Avios, and Barclaycard Platinum — are regulated consumer credit agreements and Section 75 applies in full.
Barclaycard Business cards are issued under commercial credit agreements and generally fall outside the Consumer Credit Act. If your card was issued to your limited company or labelled as a business card, Section 75 does not apply. If you are a sole trader who used a personal Barclaycard for a business purchase, the card is still regulated and Section 75 applies.
If you are unsure whether your card is regulated, check your original credit agreement or call Barclaycard to ask whether the card is regulated under the Consumer Credit Act 1974.
How to contact Barclaycard’s disputes team
Submit your claim in writing. Do not rely on a phone call — calls are not treated as formal written claims and leave you with no record.
The most reliable route is to send a secure message through your Barclaycard online account or app. Log in, navigate to the help or messaging section, and address your message to the disputes or Section 75 team. Keep a copy of everything you send.
Alternatively, write by post to the address printed on your Barclaycard statement or on the back of your card. Address your letter to the Disputes Team and mark the envelope clearly.
Your written claim should state:
- That you are making a claim under Section 75(1) of the Consumer Credit Act 1974
- The date and amount of the transaction on your Barclaycard
- The name of the retailer or supplier
- What went wrong and why this is a breach of contract or misrepresentation
- The total amount you are claiming
- A list of the supporting documents enclosed
What evidence to include with your Barclaycard Section 75 claim
Include these documents with your claim
- ▪Your Barclaycard statement showing the transaction — highlight the relevant line
- ▪Order confirmation, receipt, or invoice from the retailer showing the total price agreed
- ▪Evidence of what went wrong: non-delivery confirmation, photographs of faulty goods, or the administrator’s announcement if the business has failed
- ▪Copies of any correspondence with the retailer showing you attempted to resolve the issue
- ▪If the goods or services were not as described: the original advertisement, product listing, or written description alongside evidence of what was delivered
A well-evidenced claim is significantly less likely to be rejected at the first stage. Barclaycard will ask for supporting documents — send them upfront rather than waiting to be asked.
What to say if Barclaycard pushes back
Barclaycard may say
”We can only refund the amount you paid on your Barclaycard.”
This is incorrect as a matter of law. Section 75(1) of the Consumer Credit Act 1974 makes Barclaycard jointly and severally liable for the full loss arising from the breach of contract — not just the portion charged to the card. If the total purchase price was between £100 and £30,000 and you paid at least £1 on your Barclaycard, your claim is for the full amount owed, regardless of whether the balance was paid by other means.
Barclaycard may say
”You need to pursue the retailer before we can consider your claim.”
Section 75 creates joint and several liability. You are not required to exhaust your remedies against the retailer before claiming against Barclaycard. Where the retailer is insolvent, has ceased trading, or is simply not responding, this argument is especially weak. State clearly that joint and several liability under Section 75(1) means you can pursue either party, and that you are choosing to pursue Barclaycard.
Barclaycard may say
”This is a chargeback request, not a Section 75 claim.”
Chargeback and Section 75 are different processes. Chargeback is a card scheme rule with a shorter time limit and no statutory basis; Section 75 is a statutory right under the Consumer Credit Act 1974 with a six-year limitation period. State explicitly in your claim letter that you are making a Section 75 claim under the Consumer Credit Act 1974, not a chargeback request, and that you expect it to be treated as such.
Barclaycard may say
”There is no direct link between your card payment and the supplier.”
This is the three-party structure argument. If you paid the retailer directly on your Barclaycard, the three-party structure is satisfied: you (debtor), Barclaycard (creditor), and the retailer (supplier). Provide your payment evidence showing the transaction went directly to the retailer. This argument only has merit in specific cases such as payments routed through PayPal or a third-party agent.
If Barclaycard still refuses
Issue a written rebuttal addressing their stated reasons specifically. If Barclaycard maintains its refusal or fails to respond within eight weeks, refer the complaint to the Financial Ombudsman Service. The FOS is free to use and its decisions are binding on Barclaycard up to £415,000.
You must refer to the FOS within six months of Barclaycard’s final response letter. See our Financial Ombudsman escalation guide for what to include.
What to do now
Gather your evidence before you write — your Barclaycard statement, the original order confirmation, and proof of what went wrong. A complete first submission is far less likely to be rejected than a vague one.
Submit in writing via secure message or post — citing Section 75(1) of the Consumer Credit Act 1974 explicitly. State the amount, the retailer, and the reason for the claim. Never rely on a phone call.
If rejected, respond in writing or escalate to the FOS — address the specific reasons given, cite the legislation, and if Barclaycard still refuses, refer to the Financial Ombudsman within six months of their final response.
Ready to write the claim?
The Section 75 Claim Pack includes a template letter citing Section 75(1) of the Consumer Credit Act 1974, an evidence checklist, rebuttal templates for the most common rejection reasons including those listed above, and a Financial Ombudsman complaint letter. £6.99, no subscription.
Get the claim pack — £6.99Last updated: 2 May 2026. See also our complete Section 75 guide and our Financial Ombudsman escalation guide.