Page 35 - Simply Electronics Case

Appendix 7

Consumer rights

So, how can the consumer protect themselves? In the UK if they pay by credit card they

may be able to get a refund from their card issuer so long as they contact them within 120

days. This is applied under Section 75 of the Consumer Credit Act 1974 which states:

75. - (1) If the debtor under a debtor-creditor-supplier agreement falling within

section 12(b) or (c) has, in relation to a transaction financed by the agreement, any

claim against the supplier in respect of a misrepresentation or breach of contract, he

shall have a like claim against the creditor, who, with the supplier, shall accordingly

be jointly and severally liable to the debtor.

Section 75 simply means that the credit provider must take the same responsibility a

retailer does if things go wrong with a purchase. So if the consumer buys something or

orders tickets or flights worth more than £100 but less than £30,000, and pays for some or

all of it on a credit card they are protected under Section 75.