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Introduction to letter for Consumer Credit Act

Consumer Credit Act 1974 – Section 75

Where goods or services have been paid for using a form of credit, i.e. a credit card or a credit agreement arranged by the trader, you may have an equal liability claim against the credit firm under section 75 of the Consumer Credit Act 1974 provided the contract amount is over £100 but not more than £30,000.

In addition to writing to the trader you should send the credit company a letter recorded delivery / proof of posting, outlining the problems you have experienced and giving a deadline for the same resolution as requested from the trader within a set period of time (i.e. 14 days).

For full information about the Consumer Credit Act, see Your rights when you borrow money.

It is advisable to read the instructions below though you can go straight to the letter.

Letter generator instructions

There is a link to the letter generator at the bottom of these notes on using the appliction.

The letter generator is suitable for most situations but may not suit your specific circumstances. If you require more detailed advice and guidance, please call Citizens Advice consumer service on 03454 04 05 06.

If you are happy that the letter is suitable, use the link at the bottom of this page and select "Write letter" on the next page. This will take you to a form where you can fill in your own details.

Using the downloaded file

You can then preview the letter and make any further changes online and then proceed to download the file. Your computer will offer either to download the file directly or open it in a suitable programme.

Whether you save the file first or open it directly you should check the letter before printing it. The file type of the letter is an 'rtf' file (Rich Text Format), which will open in most word processors or text editors.

Examples of compatible word processors are: Microsoft Word (Microsoft Windows/Apple Mac), Wordpad (Microsoft Windows), TextEdit (Apple Mac), OpenOffice/LibreOffice (Microsoft Windows, Apple Mac, Gnu/Linux). This is not a comprehensive list, but one of these is likely to be available on the machine you are using.

Alternatively, if you have an online account with Google Docs, Zoho writer or another online word processor, you should be able to import the letter into that if you download the letter first.

Keeping your records

We recommend sending letters by recorded delivery so you have proof that you have sent the letter.

It is advisable that you keep a copy of the letter for your own records.

Writing the letter

Start writing the letter.

Citizens Advice

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