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Dear Sir or Madam,
RE: CLAIM UNDER SECTION 75 OF THE CONSUMER CREDIT ACT 1974 (AS AMENDED)
Credit card account number (last four digits): ________
Your reference (if known): ________
1. I am writing in my capacity as the holder of the credit card account referred to above, which was issued by ________ ("you" / "the Creditor"). I make this claim against you under section 75 of the Consumer Credit Act 1974 (as amended) ("the Act") in respect of the transaction described below.
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1. Details of the transaction
3. The relevant transaction was as follows:
(1) I made the purchase on ________.
(2) The purchase was for: ________.
(3) I purchased the goods and/or services from ________ ("the Supplier"), whose registered or trading address is ________.
(4) The purchase was made ________, on the Supplier's website at ________.
(5) The cash price of the item was £________, which I paid in full using the credit card account referred to above. The Supplier's order or invoice reference was ________.
2. The breach of contract and/or misrepresentation
4. The Supplier has breached its contract with me and/or made a misrepresentation in the following respects: ________.
5. In particular, I have not received the goods and/or services for which I paid, and/or the goods and/or services supplied were not of satisfactory quality, fit for purpose or as described, contrary to the terms implied by the Consumer Rights Act 2015 and/or the express terms of my contract with the Supplier.
3. Steps taken to resolve the matter with the Supplier
6. I attempted to resolve this matter directly with the Supplier in the following way:
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7. This has not resolved matters because:
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4. My claim against you
8. By reason of the matters set out above, I am entitled under section 75 of the Act to bring against you the same claim that I have against the Supplier. You are jointly and severally liable with the Supplier for the Supplier's breach of contract and/or misrepresentation.
9. I enclose the following documents in support of my claim:
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10. I therefore require you to refund to me the sum of £________, together with any consequential losses I have incurred as a result of the Supplier's default, namely ________.
11. Please make payment to the following account: ________, or by crediting my credit card account referred to above.
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13. I confirm that the information given in this letter is true and accurate to the best of my knowledge and belief.
Yours faithfully,
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Enc.