I am claiming under s75 of Consumer Credit Act

kirsty3

I am claiming under the above act as a breach of contract occurred and Lloyds are jointly and severally liable. How can I write them an official letter stating this. They keep calling it a dispute which it is not. I am exercising my rights under the CCA 1974

dazza.mk

kirsty3 wrote: »

I am claiming under the above act as a breach of contract occurred and Lloyds are jointly and severally liable. How can I write them an official letter stating this. They keep calling it a dispute which it is not. I am exercising my rights under the CCA 1974

Exactly what you said above............... If you want more detailed advice you need to give more details as to the situation.

Re: Dispute. probably means Lloyds are processing it as a chargeback, depending on the situation this may be easier and quicker than a Section 75 claim.

grumbler

kirsty3 wrote: »

They keep calling it a dispute which it is not.

Well, this can be a matter of opinions.
Generally, s75 doesn't mean that you are automatically entitled to a refund. It just means that if the CC company rejects your claim you will possibly need to sue them.

Jamie_Carter

kirsty3 wrote: »

They keep calling it a dispute which it is not

It is a dispute until both sides have had their say, and the CC company have made a decision.

Just because you have made a s75 claim, it doesn't mean you automatically win.

dalesrider

kirsty3 wrote: »

I am claiming under the above act as a breach of contract occurred and Lloyds are jointly and severally liable. How can I write them an official letter stating this. They keep calling it a dispute which it is not. I am exercising my rights under the CCA 1974

Let the CC co guide you on the best way forward.

Without any info on what you are talking about I can't say more than that.

All I will say is the last person that tried to force a S75 when chargeback options were available is still waitng on a refund months later. As well as having had to provide a lot of paperwork.
When a chargeback would have been resolved on the call and the refund in days.

Of course because he raised it in such a way that it was a complaint. If he took it to FOS/FCA he would not get any where as he refused to listen to the advise given.

Nick_C

S75 claims are handled by the disputes team. I claimed against them last year. I did everything by e-mail (with scanned attachments of evidence) and found them to be very fast and efficient.

They re-credited the disputed amount in less than two weeks. They paid compensation for consequential loss in about 6 weeks. No arguments, no stress.

Their e-mail address is disputes@lloydsbanking.com