They said this… · Banking & payments

“Because the merchant offered a partial refund, Section 75 is no longer relevant”

It depends

A supplier remedy can reduce or resolve loss, but it does not automatically extinguish every possible Section 75 issue.

Not sure which right applies? Check your situation →

Why this answer

What actually matters

  • Double recovery is not permitted.
  • The remaining breach, loss and remedy need to be identified.
  • If the supplier has fully remedied the breach, there may be little or nothing left to claim.

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.