What do you mean, you don't know what Section 75 says! This is the part of the CCA which ensures that if a business goes bust or fails to deliver a service/product the consumer is able to reclaim the money from their Credit Card company (assuming of course that said credit card was used for the original transaction) I am talking to an individual at present who - to keep things simple - hired a car and paid a deposit by credit card. The car was returned, no dents or anything and a refund was promised. Refund has never been forthcoming but because of promises made the individual has been pursuing the hire company and not involved the credit card company. Now he has they are refusing to pay out because 120 days have elapsed. I have read as much as I can find on the web about Section 75 and nowhere can I find reference to a time limit for claims. Anyone have any knowledge? My own feeling is the credit card company are pulling a fast one and I have advised a conversation with the Financial Ombudsman first thing Monday.