Section 75 of the Consumer Credit Act 1974 says that where a debtor under a qualifying debtor-creditor-supplier agreement has a claim against the supplier for misrepresentation or breach of contract, the debtor has a like claim against the creditor, and the creditor and supplier are jointly and severally liable; the section extends across the United Kingdom, but excludes single items with a cash price of £100 or less or more than £30,000.

What section 75 does

Conservatory contracts are often paid for with a credit card or finance arranged through the installer. Section 75 is a statutory rule attached to some of those credit agreements. If the customer has a claim against the supplier for a misrepresentation or a breach of contract in relation to a transaction financed by the agreement, the customer has a like claim against the creditor. The statute makes the creditor and the supplier jointly and severally liable, so a claimant can pursue either or both. The Act is stated to extend to the whole of the United Kingdom, so the rule is not confined to England and Wales.

Which credit agreements qualify

Section 75(1) applies to a debtor-creditor-supplier agreement falling within section 12(b) or (c). Section 11 first divides regulated consumer credit agreements into restricted-use credit, for example credit that finances a transaction between the debtor and a supplier other than the creditor, and unrestricted-use credit. Section 12(b) then covers restricted-use credit of that kind where the creditor acts under pre-existing arrangements, or in contemplation of future arrangements, with the supplier. Section 12(c) covers unrestricted-use credit made under pre-existing arrangements between the creditor and the supplier, in the knowledge that the credit will finance a transaction between the debtor and that supplier.

Whether a particular card or finance agreement falls within these definitions depends on how the agreement is structured, so the agreement documents and the lender are the starting point. A payment that is not made under a credit agreement, such as a bank transfer from savings, is not within the section.

The price limits

Section 75(3)(b) removes any claim that relates to a single item to which the supplier has attached a cash price not exceeding £100 or more than £30,000. The legislation.gov.uk text records the section as up to date on 24 September 2026. The limit is framed by reference to a single item and its cash price, so the price attached to the goods or service being complained about is the relevant figure, not necessarily the total of the finance. Whether a whole conservatory contract counts as a single item is a point to check before relying on the section.

Section 75(3) also excludes non-commercial agreements and certain running-account credit agreements that require payments in specified periods not exceeding three months with no more than one payment in each period.

What kinds of claim it covers

The right depends on there being a claim against the supplier: misrepresentation or breach of contract. It does not create a new right against the installer. Where a conservatory is installed without reasonable care and skill, or does not match what was promised, the underlying claim against the installer is described in our guide to the Consumer Rights Act 2015 services rules. Section 75(4) adds that the rule applies even if the debtor exceeded a credit limit or otherwise breached a term of the credit agreement when entering the transaction.

Practical steps

Section 75(2) allows the creditor to be indemnified by the supplier for its loss, subject to any agreement between them. Section 75(5) entitles the creditor, in proceedings brought against it, to have the supplier made a party under the rules of court. A homeowner considering a claim should keep the contract, the payment records and the credit agreement, and write to the installer first, as the steps in our guide to resolving a dispute without court explain. Finance options generally are compared in our guide to financing a conservatory, and the contract terms that matter are covered in choosing an installer.

Court proceedings are a later step; the process in England and Wales is explained in our guide to county court claims against an installer.

FAQs

Does section 75 apply to a debit card payment?

Section 75 applies to debtor-creditor-supplier agreements that are regulated consumer credit agreements. A payment that is not made under a credit agreement is outside the section.

Does section 75 apply in Scotland and Northern Ireland?

The Act is shown on legislation.gov.uk as extending to the United Kingdom, so section 75 is not limited to England and Wales. The underlying contract claim against the installer is governed by the law that applies to the contract.

Is there a minimum and maximum price?

Yes. Section 75(3)(b) excludes a claim relating to a single item with a cash price not exceeding £100 or more than £30,000.

Can I still claim from the installer directly?

Section 75 makes the creditor and supplier jointly and severally liable, so the claim against the supplier remains.

The bottom line

Section 75 can let a customer who paid for a conservatory with qualifying credit bring a claim for misrepresentation or breach of contract against the lender as well as the installer, but only where the credit agreement falls within sections 11 and 12 and the single-item cash price is above £100 and no more than £30,000. It adds a second party to an existing claim rather than creating a new one. This is general information, not legal advice; check the agreement and take advice before relying on it.

Sources

This guide draws on the following primary sources, current as of 24 September 2026:

• legislation.gov.uk, “Consumer Credit Act 1974, section 75: Liability of creditor for breaches by supplier”
• legislation.gov.uk, “Consumer Credit Act 1974, section 12: Debtor-creditor-supplier agreements”
• legislation.gov.uk, “Consumer Credit Act 1974, section 11: Restricted-use credit and unrestricted-use credit”

Related guides

Compare Conservatories is an independent guide. We may earn a fee from some links; this never affects what we write. This article is general information, not legal or planning advice on any specific property — always confirm requirements directly with your local planning authority.