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Stewarts Solicitors

Expert solicitors throughout Northern Ireland

Stewarts Solicitors

Using Credit Cards Abroad

In the case of Office of Fair Trading v Lloyds TSB plc (2007) UKHL 48, The House of Lords has ruled that consumers can continue to claim refunds on goods from credit card companies if their purchase was made abroad.

Section 75 of the Consumer Credit Act 1974 allows consumers to claim refunds from their credit card issuers as well as the seller of the goods if there has been a breach of contract or misrepresentation.

The Section 75 Rules apply as long as the sum spent is between $100 and $30,000.

This ruling will give credit card users an increased safety when using their cards abroad and is likely to cost the credit card industry significant sums.

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