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  • FIRST POST
    • TheBasicSheikh
    • By TheBasicSheikh 9th Aug 18, 8:27 PM
    • 1Posts
    • 0Thanks
    TheBasicSheikh
    Section 75
    • #1
    • 9th Aug 18, 8:27 PM
    Section 75 9th Aug 18 at 8:27 PM
    Hi,

    On the Post office Credit Card Section 75 form it says:

    "Under each section, we!!!8217;ve listed what we need you to send us before we can look into this for you. You must get everything to us as quickly as you can no later than 90 days from the date the transaction appeared on your statement."

    Im still in the process of dealing with the retailer. Am i correct that I don't need to file a claim within 90 days and there is no time limit?
    Last edited by TheBasicSheikh; 09-08-2018 at 8:27 PM. Reason: spelling mistake
Page 1
    • NCC-1701
    • By NCC-1701 9th Aug 18, 8:41 PM
    • 260 Posts
    • 381 Thanks
    NCC-1701
    • #2
    • 9th Aug 18, 8:41 PM
    • #2
    • 9th Aug 18, 8:41 PM
    You can lodge it now, no need to wait. If the retailer sorts it out you can simply withdraw your S75 claim.
    • Willing2Learn
    • By Willing2Learn 9th Aug 18, 8:41 PM
    • 858 Posts
    • 655 Thanks
    Willing2Learn
    • #3
    • 9th Aug 18, 8:41 PM
    • #3
    • 9th Aug 18, 8:41 PM
    Hi TheBasicSheikh and welcome to the forum

    There is no time limit on a s75 claim. However, if you're unhappy with the response of a s75 claim, you have up to six years to pursue the matter in court.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • bris
    • By bris 9th Aug 18, 8:42 PM
    • 7,802 Posts
    • 6,786 Thanks
    bris
    • #4
    • 9th Aug 18, 8:42 PM
    • #4
    • 9th Aug 18, 8:42 PM
    Yes that's correct, there is no time limit for a S75 claim.
    • Craig1981
    • By Craig1981 10th Aug 18, 5:53 AM
    • 171 Posts
    • 87 Thanks
    Craig1981
    • #5
    • 10th Aug 18, 5:53 AM
    • #5
    • 10th Aug 18, 5:53 AM
    the couple of S75 claims i have done (two different cards), both companies confused it with a charge back claim - i think this is what they on about regarding the 90 days .
    however on charge back you usually have 120 days, (i think) from date of transaction
    dont worry, S75 can be done when needed
    • eddddy
    • By eddddy 10th Aug 18, 8:31 AM
    • 6,748 Posts
    • 6,631 Thanks
    eddddy
    • #6
    • 10th Aug 18, 8:31 AM
    • #6
    • 10th Aug 18, 8:31 AM
    On the Post office Credit Card Section 75 form it says:

    "Under each section, we've listed what we need you to send us before we can look into this for you. You must get everything to us as quickly as you can no later than 90 days from the date the transaction appeared on your statement."
    Originally posted by TheBasicSheikh
    Are you sure you're quoting from an s75 form?

    The above looks like it's from their "Challenging A Transaction" form.
    See: https://www.postoffice.co.uk/dam/jcr:64499345-ec4b-4e69-9f6b-4aeb1f1d4171/challenging-a-transaction.PDF

    The info in that form is incorrect for s75 claims.

    For example, it asks for:
    Proof that you have tried to resolve the matter with the retailer.
    ... which isn't required for an s75 claim.


    FWIW, section 75 makes the card company jointly liable for breach of contract. You have up to 6 years from the date of the breach to make a claim (in England/Wales).
    • eco_warrior
    • By eco_warrior 10th Aug 18, 10:33 AM
    • 102 Posts
    • 34 Thanks
    eco_warrior
    • #7
    • 10th Aug 18, 10:33 AM
    • #7
    • 10th Aug 18, 10:33 AM
    Banks will always look at a chargeback prior to a S75 claim so they don't need to pay out from their own pockets. So it usually the same forms/questions.

    I wouldn't be worried
    • Terry Towelling
    • By Terry Towelling 10th Aug 18, 3:19 PM
    • 380 Posts
    • 290 Thanks
    Terry Towelling
    • #8
    • 10th Aug 18, 3:19 PM
    • #8
    • 10th Aug 18, 3:19 PM
    How much did the item cost and exactly what is your dispute?

    If it is a so-called consumer-protection issue, your card issuer will probably ask you to try and resolve it with the retailer first - as you are doing. If that gets you nowhere, they may be able to help you by raising a chargeback to recover the funds or they may pay you out as a S75 claim if there is no chargeback coverage but there has been a breach of contract/misrepresentation and the item cost between 100 and 30K.

    So, yes, do keep pursuing the retailer, but also raise a dispute with the card issuer immediately.
    • chattychappy
    • By chattychappy 11th Aug 18, 9:57 AM
    • 6,860 Posts
    • 3,724 Thanks
    chattychappy
    • #9
    • 11th Aug 18, 9:57 AM
    • #9
    • 11th Aug 18, 9:57 AM
    It is not unknown for CCs to write something into T+Cs, to have procedures/processes or say stuff on the phone that is in conflict with the law/regulation. Law/regulation always prevails.
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