They said this… · Banking & payments

“Chargeback is a statutory legal right just like Section 75”

Generally incorrect

Chargeback is generally a card-scheme process, not the same statutory cause of action as Section 75.

Not sure which right applies? Check your situation →

Why this answer

What actually matters

  • Eligibility, evidence and time limits derive from the relevant scheme rules.
  • A failed chargeback does not automatically determine whether a separate Section 75 claim succeeds.
  • Ask the bank to identify which route it has actually considered.

What you could say

Keep the response tied to the actual rule.

Evidence

What to have beside you

  • Card statement and transaction record
  • Underlying contract/order and evidence of breach or misrepresentation
  • Correspondence with the supplier
  • Bank decision and the scheme or legal basis it says it applied

If they still refuse

Move the dispute forward.

  1. Ask the bank to identify whether it assessed Section 75, chargeback or another route.
  2. Keep the underlying merchant evidence: the bank cannot sensibly assess the derivative dispute without it.
  3. Escalate eligible complaints to FOS after the firm’s complaint process.

Read the full rules

Go deeper before escalating.

Primary guideRead the detailed ConsumerWise guidance.Section 75Read the full guide.ChargebackRead the full guide.Banking & PaymentsRead the full guide.