Hi. I bought land from a firm that was later put into compulsory liquidation by the High Court. There doesn't seem any hope of getting my money back from the firm itself. I paid a deposit using a credit card and the balance by bank transfer. THe deposit was refunded by the firm. Can I claim the whole amount back from the credit card company? What do I need in terms of proof that the company mislead the buyer? Also what is the procedure for claiming if I do have grounds? Thanks.

Hi --- Contact your card issuer and inform them that you would like to make a claim under S75 of the CCA asking them to send the required claim forms, you are allowed to reclaim the balance from your CC even though only the deposit was paid by CC and has been returned by the company that went into liquidation, by showing the CC issuers the proof they require and any official court papers or communication from the company.

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Section 75 of the Consumer Credit Act 1974 provides you with a valuable legal right when you buy goods or services on a credit card. If you buy something costing between £100 and £30,000 on a credit card (but not a debit card), you can claim against your card issuer if something goes wrong. What's more, even if you've only paid a deposit of, say, £1 on your credit card, you can claim a refund of the entire cost of the goods.

So, if goods are damaged, faulty or don't turn up, or the supplier goes bust, your card issuer wears the supplier's shoes and must make good your loss (under what's known as a debtor-creditor-supplier arrangement or connected lender liability).

Thanks for your advice - much appreciated - I shall ring Cc company tomorrow.