Card and bank billing

Credit card — claim against the card provider

Claim against the card provider directly, on the basis that it is jointly liable with the supplier. This survives the supplier going out of business, which is when it matters most.

billing.s75-claim8 languages28-day reply window

What it actually says.

Rendered live from invented facts: A charge of USD 340 that the cardholder did not authorise, reported within the statutory window. The claimant is fictional and the figures are illustrative — your own claim produces its own numbers and its own citations.

The authority in the preview

It cites the article, not the act.

A document has to name the provision it relies on or it gets filed. These are the citations the sample evaluation put into the letter above; a real claim substitutes the ones its own regimes produced.

15 U.S.C. § 1666Fair Credit Billing Act§ 1666(a)
12 C.F.R. § 1026.13Regulation Z§ 1026.13(c)

Where it comes from

The laws that can produce this document.

A rule module declares the documents its evaluation can render into. These are the regimes in the current catalogue that offer this one — each with its own citations, deadlines and escalation ladder.

Consumer Credit Act 1974 s.75 (and s.75A) — creditor joint and several liabilityGBNational — United KingdomConsumer Credit Act 1974, s.75Card and bank billing

The rest of the sequence

Documents are written to be worked through in order: the opening demand, then the answer to whatever they refuse with, then the escalation. Sending the last one first usually costs you the first two.

Credit card — billing error disputeThe formal written dispute. It must reach the creditor’s designated billing-inquiries address — not the payment address — within the statutory window, or the protections do not apply.billing.fcba-dispute8 languages30-day reply window Debit card — electronic transfer error noticeNotice of an unauthorised or erroneous electronic transfer. Reporting speed determines how much of the loss you bear, so this letter records the date.billing.rege-error-notice8 languages10-day reply window Card — chargeback requestAsk your card issuer to reverse the transaction under the card scheme rules. This is a contractual route, separate from any statutory right, and both can often be pursued.billing.chargeback-request8 languages14-day reply window Payment — unauthorised transaction noticeReport an unauthorised payment. The default position is a refund by the end of the next business day, with the burden on the provider to prove the payment was authorised.billing.psd2-unauthorised8 languages1-day reply window Merchant — refund demandDemand a refund directly from the trader before involving the bank. Card issuers and ADR schemes generally expect this step first.billing.merchant-refund-demand8 languages14-day reply window

You send it

Fill in your own facts and this letter writes itself.

The claim wizard produces this document with your figures, your citations and your deadline already in it. You still print it, sign it and post it yourself — that part is not delegable and we would not take it if it were.

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Duesday is not a law firm and does not provide legal advice. This document is an editable template assembled from publicly available law. You are responsible for checking that the facts and the law stated are correct for your situation, and you send it yourself in your own name. Nothing here creates a solicitor–client or attorney–client relationship, and no outcome is promised.