![]() You can’t apply for a section 75 claim.Chargebacks can be received from Chase in either one or two ways. However, your bank or credit provider might not agree to do it. If your Buy Now Pay Later provider doesn’t resolve the situation, you can ask for chargeback if you’ve paid with a credit or debit card. If you bought something online or in a shop, you should first contact your Buy Now Pay Later provider to check their process and explain the situation. If you paid through a Buy Now Pay Later provider If you paid with a debit or credit card through a Buy Now Pay Later provider, you can still ask for chargeback - but your bank or credit provider might not agree to do it. Many bank staff don’t know about the chargeback scheme, so you might need to talk to a manager. With a debit or credit card through a Buy Now Pay Later provider With a credit card and you can't use Section 75 You can ask for chargeback from your bank or card provider if you paid: You can’t apply for a ‘Section 75 claim’ if you paid with a debit card or through a Buy Now Pay Later provider. You can apply for a Section 75 claim if the following applies: Other people, like banks, will get paid first so you might not get any money back. When you register a claim as a creditor, you’re added to a list of all the people the company owes money to. You should always register a claim as a creditor on the GOV.UK website. Fill out the form with details of what you’re owed and send it to the administrator dealing with the trader’s debts. ![]() This will depend on whether you paid for the item or work: If you haven't got the item or service you paid for, you can try to get your money back. You should check the shop’s policy on returns - if you can’t get in touch with the shop, check with the company that’s dealing with settling the trader’s debts. ![]() If you bought an item in the shop before it closed, you don’t have an automatic right to get your money back if there’s nothing wrong with it. Dealing with a company that's gone out of business You’ll need this information if you need to make a claim. The names of those administrators will usually be on the website of the company that’s gone bust. Get details of the administrator or receiver - the person who is dealing with settling the trader’s debts. If you can’t find details of the company you booked with, you can contact the Citizens Advice consumer helpline. If your holiday booking is protected by ATOL, you should also check the list of ATOL protected travel companies that have gone out of business on the CAA website. You can look for details of travel companies that have gone out of business on ABTA’s website. It can take a few weeks for information to appear on these websites. the Insolvency Register if they’re an individual (a sole trader) or a partnership - search both the name of the person and their trading name.the Companies House website if they’re a limited company (with the letters ‘Ltd’ or ‘Plc’ after their name).If you can’t get hold of a company or want to confirm that they’ve gone out of business (also called going bankrupt or going into administration or receivership), search for their name on: Explain what you’ve paid for and ask for the item you bought or a refund. If you’ve purchased through a sole traderĪ sole trader (someone who runs their own business) or partnership that stops trading is responsible for work or items that have been paid for.Ĭall the company, visit their office or shop, or write to them to find out what’s happening.
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