# SECTION 75 CREDIT CARD CLAIM
Date: 29 August 2031
Parties: Aisha Rahman and Meridian Card Services plc
## 1. Purpose and parties
Aisha Rahman makes a linked-credit claim under section 75 of the Consumer Credit Act 1974 against Meridian Card Services plc. On 14 March 2031 she bought a £8,400 solar-and-battery installation for 6 Brook Road, Reading, from Sunvale Renewables Ltd, paying £600 by Meridian credit card and the balance by bank transfer.
## 2. Facts, scope and terms
Sunvale promised a 4.8 kW system, a 9.6 kWh battery and commissioning by 30 April. The installation on 22 April has never exported electricity reliably; the inverter repeatedly trips and the battery has not held charge. Sunvale entered administration on 9 July without completing its promised remedial visit.
## 3. Process and responsibilities
Aisha seeks £6,950, comprising the reasonable cost of removal and compliant replacement estimated by GreenSpark Energy at £7,550, less £600 of salvage value. She also seeks £312.40 of evidenced excess electricity cost, while allowing Meridian to inspect and challenge causation or mitigation.
## 4. Evidence, records and safeguards
She encloses the card statement, contract, specification, commissioning certificate, photographs, inverter logs, administrator notice, GreenSpark quotation and electricity bills. Meridian should preserve call recordings and underwriting records, provide a written decision and protect account data from unrelated use.
## 5. Review, escalation and outcome
Aisha asks Meridian to acknowledge the claim within seven days and decide within 28 days. If unresolved, she will follow Meridian's final-response process and refer the regulated credit complaint to the Financial Ombudsman Service within its time limits before considering court proceedings.
## 6. Reservations and practical protections
The claim does not assert that every consequential loss is automatically recoverable: Aisha invites a proportionate assessment under section 75, accepts reasonable technical inspection and will avoid double recovery from the administrator or insurer. She reserves statutory interest and any directly evidenced further loss.
## 7. England and Wales law and completion
This fictional letter is dated 29 August 2031 and governed by England and Wales law. Aisha sends it securely with copies, not originals, and keeps the card statement, expert quotation and proof of delivery.