Jurisdiction(s):
United Kingdom

Related legal acts

Key definition

Goods definition

What does Goods mean? In legal practice, goods are tangible, movable items that are bought, sold, supplied or hired under commercial or consumer contracts. Across the UK and Ireland, legislation defines the term: the Sale of Goods Act 1979 (England & Wales and Scotland), the Sale of Goods Act (Northern Ireland) 1979, and in Ireland the Sale of Goods Act 1893 as amended by the 1980 Act. Broadly, goods comprise all personal chattels (in Scotland, all corporeal moveables) other than money and things in action. The statutory definition includes emblements and industrial growing crops, and items attached to or forming part of land...

UK consumer redress for card payments and prepayments: Section 75 CCA 1974, chargebacks, retailer insolvency, gift vouchers, and DMCCA 2024 consumer savings schemes

Published by a LexisNexis Commercial expert

Practice notes

This Practice Note outlines the routes to redress for consumer card payments—section 75 of the Consumer Credit Act 1974 (CCA 1974) and chargeback—available when Goods or services are bought with plastic cards. These remedies assist where items or services are not supplied, are below the expected standard, or where the trader has gone into liquidation or stopped trading. The option available depends on the card used for payment and the price of the goods or services. This Practice Note also addresses consumer prepayments, including consumer savings schemes (for example, Christmas clubs) and gift vouchers, in the context of retailer Insolvency. These avenues sit alongside any other redress and consumer rights available under consumer protection legislation. For a summary of key consumer protection legislation, see Practice Note: Key consumer legislation—summary.

Section 75 of the CCA 1974

CCA 1974, s 75 offers additional protection where a consumer pays for goods or services, whether in full or in part, using a credit card. The credit card provider shares joint and several liability for any Breach of contract or misrepresentation by the trader...

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Web page updated on 22/05/2026

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