Section 75 Claims with Lloyds Bank: How to Claim and What to Expect
You hold a Lloyds Bank credit card and a purchase has gone wrong. The supplier has failed to deliver, gone into administration, or sent you something materially different from what you paid for. Under Section 75 of the Consumer Credit Act 1974, Lloyds is jointly liable with the supplier for that purchase — and you can pursue Lloyds directly, without waiting for the retailer to respond or the insolvency process to resolve.
Lloyds Bank is one of the largest UK credit card issuers. Their Section 75 process follows the standard FCA framework: written claim, evidence review, decision within eight weeks. First-attempt rejections happen — often on grounds that do not hold up under scrutiny — but a correctly structured claim with solid evidence resolves the majority of cases without needing to go to the Financial Ombudsman.
Quick check: does Section 75 apply to your Lloyds purchase?
- ✓ You paid at least £1 on your Lloyds Bank 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 Lloyds commercial or 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 Lloyds cards qualify
Standard Lloyds Bank personal credit cards — including Lloyds Cashback, Lloyds Avios, and Lloyds Platinum — are regulated consumer credit agreements. Section 75 applies in full.
Lloyds commercial credit cards issued to businesses are generally unregulated under the Consumer Credit Act and fall outside Section 75. If you are a sole trader who used your personal Lloyds credit card for a business purchase, the card is still regulated and Section 75 applies. If the card was issued to your limited company, it is unlikely to qualify.
Note that Halifax is a separate brand within Lloyds Banking Group. If your card says Halifax on the front, see our Halifax Section 75 guide instead.
How to contact Lloyds Bank’s disputes team
Submit your Section 75 claim in writing. A phone call is not a formal written claim and leaves you with no documentary record.
The most straightforward route is a secure message through Lloyds online banking or the Lloyds Bank mobile app. Log in, navigate to the help or contact section, and send a secure message addressed to the credit card disputes team. Save a copy of the message and any reference number provided.
Alternatively, write by post to the address printed on your Lloyds credit card statement or on the Lloyds website under credit card contact details. Mark the envelope for the attention of 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 exact amount of the transaction on your Lloyds card
- The name of the retailer or supplier
- What went wrong and why this constitutes a breach of contract or misrepresentation
- The amount you are claiming
- A list of the supporting documents enclosed
What evidence to include with your Lloyds Section 75 claim
Include these documents with your claim
- ▪Your Lloyds credit card statement showing the transaction — highlight the relevant payment
- ▪Order confirmation, receipt, or invoice from the retailer showing the total agreed price
- ▪Evidence of what went wrong: proof of non-delivery, photographs of faulty goods, or the administrator’s public announcement if the business has failed
- ▪Copies of correspondence with the retailer showing you attempted to resolve the matter
- ▪For goods not as described: the original product description or advertisement alongside evidence of what was actually delivered
Send all supporting documents with your initial claim. Lloyds will request them if you do not, but submitting everything upfront avoids delays and makes your claim harder to dismiss at the first stage.
What to say if Lloyds pushes back
Lloyds may say
”You need to pursue the supplier before we can consider your claim.”
This is not a legal requirement for Section 75. The Consumer Credit Act 1974 makes Lloyds jointly and severally liable with the supplier, which means you can pursue either party independently. Where the supplier is insolvent or simply not responding, this argument has no legal basis. Cite Section 75(1) and state clearly that joint and several liability entitles you to pursue Lloyds directly.
Lloyds may say
”We can only refund what you paid on your Lloyds card.”
Section 75(1) makes Lloyds liable for your full loss arising from the breach of contract — not merely the portion you happened to pay by card. If you paid a deposit by credit card and the remainder by bank transfer, your claim is for the total amount owed. The deposit triggers joint liability for the full contract value. Cite Section 75(1) and your total loss calculation explicitly.
Lloyds may say
”The purchase does not meet the qualifying criteria.”
If you believe it does, set out your case clearly. The relevant criteria are: personal credit card, total purchase price more than £100 and no more than £30,000, and a breach of contract or misrepresentation by the supplier. If your card is a regulated consumer credit agreement, the total price is within the threshold, and the supplier failed you, the criteria are met. Provide your evidence for each point.
Lloyds may say
”Your claim is out of time.”
The limitation period for a Section 75 claim is six years from when the cause of action arose — which is when the supplier failed you, not when you made the payment. If your goods were due for delivery in 2024 and were not delivered, the six-year clock started in 2024. Set out your dates clearly and confirm that the claim is within time.
If Lloyds still refuses
Send a written rebuttal addressing their stated reasons. If Lloyds maintains the refusal or does not respond within eight weeks of your initial claim, refer the complaint to the Financial Ombudsman Service. The FOS is free and its decisions are binding on Lloyds.
You must contact the FOS within six months of receiving Lloyds’ final response letter. See our Financial Ombudsman escalation guide.
What to do now
Assemble your evidence first — your Lloyds statement, order confirmation, and proof of what went wrong. A complete, well-evidenced submission is much harder for Lloyds to reject at the first stage.
Submit in writing via secure message or post — citing Section 75(1) of the Consumer Credit Act 1974. State the amount, the retailer name, and the reason for the claim. Do not rely on a phone call.
If rejected, respond in writing or go to the FOS — address each stated rejection reason specifically, cite the legislation, and if Lloyds 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.