As of 13 August 2026, AI can make a Section 75 claim.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open your credit card statement and the purchase receipt or order confirmation, then record the card provider, merchant, purchase date, amount paid by card, total purchase price and order reference.
   2. Gather the contract, delivery record, photographs, cancellation details and every message exchanged with the merchant, and put them in date order.
   3. Write a short factual timeline explaining what you bought, what went wrong, when you contacted the merchant and what outcome you want.
   4. Redact unnecessary card numbers, passwords and identity details, then paste the timeline and evidence summary into the prompt and attach only documents you are comfortable sharing with the chatbot.
   5. Ask the chatbot to produce the missing-information list, Section 75 draft letter, timeline and numbered evidence list using only your supplied facts.
   6. Compare every name, date, amount, order number and description in the draft against the statement, receipt and correspondence, and remove anything you cannot support.
   7. Send the checked claim and copies of the relevant evidence to your credit card provider through its stated complaints or Section 75 route, keeping the submitted version and proof of sending.

   Prompt

   Help me prepare a UK Section 75 claim to my credit card provider. This is not professional advice, so do not decide that I am legally entitled to compensation and do not invent facts. First, list the facts and documents needed to assess and present the claim. Then use only the information I provide to draft a clear complaint letter to the card provider.
   
   My purchase details:
   - Card provider: [name]
   - Merchant: [name and address if known]
   - Item or service: [description]
   - Purchase date: [date]
   - Amount paid by credit card: [amount]
   - Total cash price of the item or service: [amount]
   - Order or reference number: [number]
   
   What happened:
   [Write a chronological account, including non-delivery, misrepresentation, breach of contract, cancellation or other problem, and what remedy you want.]
   
   What I have already done:
   [Give dates and details of contact with the merchant and any response.]
   
   Evidence available:
   [List or paste the receipt, card statement entry, order confirmation, contract, photographs, delivery information and correspondence.]
   
   In your response:
   1. Separate confirmed facts from missing information.
   2. Flag any point that could affect whether Section 75 applies, including the payment method, the relationship between the card provider and merchant, the price, and the nature of the problem, without giving a definitive legal conclusion.
   3. Draft a concise letter requesting that the card provider treats this as a Section 75 claim and investigates it.
   4. Include a numbered evidence list and a short timeline.
   5. Do not add facts, legal authorities, deadlines or monetary figures that I have not supplied or that you cannot verify from an official UK source.
   6. Tell me to check every name, date, amount and requested remedy before sending the letter.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.