When Section 75 applies
Section 75 makes the credit provider jointly liable with the supplier where the goods or services were paid for (in whole or part) on credit, for a cash price between £100 and £30,000. Most domestic spray foam installations fall comfortably inside that window. If a finance agreement was signed at the kitchen table, or the install was paid by credit card, Section 75 is on the table.
The Financial Ombudsman Service handles complaints where the credit provider rejects a Section 75 claim, or where the claim relates to a regulated finance agreement. The FOS is free to use and binds the provider if it upholds the complaint.
What 'mis-sold' actually means in practice
A claim does not require proof that the installer was deliberately dishonest. The claim succeeds where the goods or services were not as described, were not of satisfactory quality, or were not fit for purpose. In a spray foam context, that typically means one or more of the following can be documented:
- The foam was applied without addressing ventilation, contrary to manufacturer guidance
- Open-cell foam was applied directly to timbers in a roof buildup that cannot manage the moisture load
- The installation does not match the BBA certificate or system data sheet for the product used
- The homeowner was told the foam would 'help sell the house' or 'pass any survey' — claims that turned out to be untrue
- The product or system used does not appear to match what was specified on the contract or finance agreement
- The installation has caused or contributed to a documented defect — timber moisture, condensation, fungal growth
What the credit provider and FOS look for
Credit providers and the FOS need facts, not opinion. An evidence report that supports a claim has to do four things: identify what is present, measure it with calibrated instruments, cross-reference it against the relevant standard or certificate, and separate observation from interpretation.
- Foam type identification (open-cell / closed-cell) where determinable
- Photographic evidence of application area, thickness, and contact with structural timbers
- Calibrated moisture readings of timbers at multiple points
- Hygrothermal / condensation risk assessment of the roof buildup
- Ventilation pathway assessment — eaves, ridge, soffits
- Cross-reference against the BBA certificate or system data sheet where the product is known
- A clear, plain-English summary of the defects, separated from observational findings
What the report does not do
An independent evidence report does not guarantee the claim will succeed. The claim is decided by the credit provider in the first instance and by the FOS on appeal. The report's job is to give them the documented facts they need to reach a decision — replacing 'he said / she said' with measured evidence from an assessor who has no financial interest in the outcome.
SprayFoamCheck does not provide legal advice, does not pursue the claim on the homeowner's behalf, and does not work on a commission or success-fee basis. The fee is fixed at £295 regardless of outcome.