How to get money back as Quiz Clothing goes into administration

Section 75 of the Consumer Credit Act makes your credit provider legally responsible along with the retailer if something goes wrong.

This means you can claim a refund if goods don’t arrive, are faulty, or the seller goes bust.

What is Section 75 the Consumer Credit Act?

The main points consumers need to know about this useful piece of consumer law.

• It applies to credit purchases between £100 and £30,000. You’re covered for the full amount, even if only part was charged to your card.
• Covers credit cards, store cards, store instalment credit, PayPal Credit, and payments via Apple Pay or Google Pay.
• Not covered: debit cards, Buy Now Pay Later, or third-party sellers like Amazon Marketplace.

Recommended reading:

How to make a claim

• Contact your credit card provider directly online or by phone.
• Use a free Section 75 reclaim tool.
• Write to your credit card provider with evidence of your purchase.

If you’re not covered by Section 75

Try chargeback through your bank, which can help recover money on debit or credit cards of any amount.

Gift cards and returns

Quiz gift cards are now invalid.

Items purchased from the day the website went offline can only be exchanged if faulty.

Tip: Keep receipts, order confirmations, and correspondence to strengthen your claim.

Full details on how the ‘black belt’ section 75 protection works: https://t.co/sKL00NDlxN

— Martin Lewis (@MartinSLewis) November 8, 2022

Section 75 vs Chargeback: Which to Use First?

Even if your purchase qualifies for Section 75 protection, it can make sense to try chargeback first. Unlike Section 75, chargeback isn’t a legal right, but it’s often quicker and simpler.

MSE founder Martin Lewis advises that for clear-cut cases—like a cancelled holiday or an online order that never arrives—customers should request a chargeback via their bank rather than Section 75 initially, as banks can usually recover funds from the seller’s bank more easily through this route.

He says: “Even if you actually have a credit card and qualify for Section 75, I wouldn’t ask for that at this stage. I would ask for a chargeback.

“That’s because under the chargeback process, which is part of the Visa, Mastercard and Amex rules, your bank is asking for money back from the holiday firm’s bank, which your bank is unlikely to have an issue doing.”