What are my rights under Section 75 of the Consumer Credit Act?

If something goes wrong with new or second-hand goods you’ve purchased via Novuna Personal Finance in the UK or abroad, then you may be entitled to make a claim under Section 75 of the Consumer Credit Act 1974, and could be entitled to compensation if the goods you’ve bought are:

• Faulty
• Not delivered
• Or the information given about them was misleading

The above list is not exhaustive, and you can make a claim under Section 75 of the Consumer Credit Act 1974 (often referred to as a ‘Section 75 claim’) as long as:

• The value of the one item is between £100 to £30,000
• The claim is brought to Novuna Personal Finance in accordance with the legal time limits for bringing a claim
• The loan was made directly through a retailer for specific goods or services

You don’t need to have taken out the loan for the full purchase price of the goods. For example, if you’ve paid £15,000 for a new kitchen, but only took out a loan for £5,000, you are still entitled to make a claim for the full purchase price of £15,000.

Before getting in touch with us, you could contact the retailer to give them a chance to sort things out. Explain to them what’s happened and how you'd like things put right.

If you’re still unhappy with how things turn out, see our FAQ on the left titled 'How do I make a Section 75 Claim?'.