Section 75 Claims with Halifax: How to Claim and What to Expect
You have a Halifax credit card and something has gone wrong with a purchase. The retailer has closed, refused a refund, or delivered goods or services that fell short of what was agreed. Under Section 75 of the Consumer Credit Act 1974, Halifax is jointly liable with the supplier for that purchase, and you can claim against Halifax directly.
Halifax is part of Lloyds Banking Group but operates as a separate brand with its own credit card products and disputes process. Their process follows the same FCA framework as other regulated lenders — written claim, eight-week decision window, FOS escalation if refused — but it is worth knowing the right channel and what evidence to include before you write.
Quick check: does Section 75 apply to your Halifax purchase?
- ✓ You paid at least £1 on your Halifax personal credit card
- ✓ The total purchase price was more than £100 and no more than £30,000
- ✓ The card is a personal credit card, not a Halifax business card
- ✓ The supplier failed to deliver, supplied faulty goods, misrepresented the product, or has gone into administration
Not sure? Use the free eligibility checker.
Which Halifax cards qualify
Halifax personal credit cards — including Halifax Clarity, Halifax Rewards, and Halifax All in One — are regulated consumer credit agreements and Section 75 applies in full.
Halifax business credit cards fall outside the Consumer Credit Act in most cases and do not qualify for Section 75. Sole traders using a personal Halifax credit card for a business purchase are still covered, as the test is whether the credit agreement is regulated, not the purpose of the purchase.
If your card is branded Lloyds rather than Halifax, see our Lloyds Section 75 guide — the two brands are within the same banking group but are separate products with separate processes.
How to contact Halifax’s disputes team
Submit your claim in writing. Do not rely on a telephone call; calls are not treated as formal written claims and leave you without a record.
The most reliable route is a secure message through Halifax Online Banking or the Halifax mobile app. Log in, go to the help or messaging section, and send your claim to the credit card disputes team. Keep a copy of everything you send and note any reference number provided.
You can also write by post to the address shown on your Halifax credit card statement. Address the letter to the Credit Card Disputes Team.
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 Halifax card
- The name of the retailer or supplier
- What went wrong and why this constitutes a breach of contract or misrepresentation
- The total amount you are claiming
- A list of the supporting documents you are enclosing
What evidence to include with your Halifax Section 75 claim
Include these documents with your claim
- ▪Your Halifax credit card statement showing the transaction — highlight the relevant payment
- ▪Order confirmation, receipt, or invoice showing the total price agreed with the retailer
- ▪Evidence of the failure: non-delivery confirmation, photographs of faulty or misdescribed goods, or the administrator’s public announcement
- ▪Copies of any emails or letters to the retailer showing you attempted to resolve the matter first
- ▪If the goods or services were not as described: the original product description or advertisement alongside photographs or a written report of what was actually delivered
Submit your supporting documents with your initial claim rather than waiting for Halifax to ask for them. A complete first submission is faster to process and less likely to be rejected.
What to say if Halifax pushes back
Halifax may say
”You should take this up with the retailer directly.”
Section 75 makes Halifax jointly and severally liable with the retailer under Section 75(1) of the Consumer Credit Act 1974. Joint and several liability means you can pursue either party — you are not required to contact the retailer first, let alone exhaust every avenue against them before Halifax will consider your claim. Where the retailer is insolvent or unresponsive, this position is particularly unsustainable. State this clearly in your response.
Halifax may say
”Section 75 only covers the amount paid on the Halifax card.”
This is wrong. Section 75(1) makes Halifax liable for your full loss arising from the breach — not just the card portion. Paying even £1 on your Halifax credit card triggers joint liability for the entire contract value (provided it falls between £100 and £30,000). If you paid a deposit by card and the balance by bank transfer, your claim covers the total amount owed. Cite this clearly and set out your full loss calculation.
Halifax may say
”We have processed this as a chargeback rather than a Section 75 claim.”
Chargeback is a card scheme process with tighter time limits and no statutory backing. Section 75 is a statutory right under the Consumer Credit Act 1974 with a six-year limitation period and a higher standard of protection. If Halifax has treated your Section 75 claim as a chargeback — and the chargeback has been declined or has a shorter window — write back stating that you are making a formal Section 75 claim under the Consumer Credit Act 1974 and that it must be assessed as such.
Halifax may say
”We cannot uphold your claim because insufficient evidence was provided.”
Respond by sending the additional documents and resubmitting. If Halifax did not specify what evidence was missing, ask them in writing to confirm exactly what they require. A refusal on evidence grounds is not a final rejection — it is an opportunity to strengthen your submission. If you have provided all reasonable evidence and Halifax still refuses, that is grounds for FOS escalation.
If Halifax still refuses
Issue a written rebuttal responding to their stated grounds. If Halifax issues a final rejection or does not respond within eight weeks, refer the matter to the Financial Ombudsman Service. The FOS is free to use and its decisions are binding on Halifax.
You must refer to the FOS within six months of Halifax’s final response letter. See our Financial Ombudsman escalation guide.
What to do now
Collect your evidence before writing — your Halifax statement, order confirmation, and documentation of what went wrong. The stronger your first submission, the less likely a rejection at the first stage.
Submit in writing via secure message or post — citing Section 75(1) of the Consumer Credit Act 1974. State the retailer name, the amount, and the reason for the claim. Never rely on a phone call.
If rejected, respond to each stated reason or escalate to the FOS — address Halifax’s specific grounds, cite the legislation, and if they still refuse, refer to the Financial Ombudsman within six months of their final response letter.
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.