Letter to make a claim for equal liability from a credit provider by Citizens Advice
Updated 17 October 2025
This template provides a letter for a consumer to make a claim against a credit provider for equal liability under Section 75 of the Consumer Credit Act 1974. It is used when a purchased item, paid for with a credit card, is faulty and the seller has failed to resolve the issue. The letter asserts the credit provider's joint and several liability for the breach of contract.
Letter to make a claim for equal liability from a credit provider
Sam Hoolin
8 Park Avenue
Arlton AL1 4CA
[email protected]
01632 960001
Giltham City Bank
24 Station Road
Giltham GT16 3LP
12 September 2025
To whom it may concern,
Account number: 483 9650 922
Re: Microwave 400w
Consumer Credit Act 1974 (as amended)
I am writing to you regarding a problem I have with the item that I bought from Giltham Traders on 14 January 2022 at a cost of £100. I paid with a credit card.
The microwave stopped working on the 'cook' function after two days and only works for defrost. Please also find enclosed copies of letters that I have already sent to Giltham Traders to try and sort this problem out.
As you supplied the credit for this purchase, I hold you jointly and severally liable for the breach of contract with Giltham Traders under section 75 of the Consumer Credit Act 1974.
You therefore have a duty to offer me the same solution to the problem as I have already asked Giltham Traders to provide.
I look forward to hearing your response within the next 14 days.
Yours faithfully,
Sam Hoolin
About this template
What is this template?
Letter to make a claim for equal liability from a credit provider by Citizens Advice is a free, ready-to-use Consumer law template you can open, customize, and download on GitLaw. It gives you a professionally structured starting point, so you never have to draft from a blank page. The wording is plain and modern, organized into clear sections that are easy to read, edit, and adapt to your own situation before you share or sign it.
When should you use it?
Reach for this Consumer law template whenever you need a reliable agreement quickly and want to be sure the essentials are covered. It suits individuals, freelancers, startups, and established businesses alike. Instead of paying for a document drafted from scratch, you can start here, tailor the details to your arrangement, and have a polished draft ready in minutes. This version is drafted with England & Wales in mind, though you should always review the final wording against the laws that apply to you.
What's typically included?
A well-drafted Consumer law usually sets out the parties involved, the scope of the agreement, and each side's rights and responsibilities. Expect sections covering key terms and definitions, how long the agreement lasts, how it can be ended, and what happens if something goes wrong. This template brings those building blocks together in a sensible order, so you can focus on the specifics rather than worrying about what to include. Open it to read the full document, then sign up to edit, negotiate, and e-sign it directly in GitLaw.