Consumers who made purchases from businesses selling in the UK between 1992 and 2008 could be affected by a collective consumer claim against Mastercard

About the Claim

This website has been created to provide information about a proposed collective consumer claim against Mastercard that has been filed with the Competition Appeal Tribunal by Walter Merricks CBE (the proposed class representative) on behalf of a proposed “class” of individuals.

The proposed claim relies on a legal finding of the European Commission that Mastercard imposed unlawful fees on transactions processed through its network. These fees were paid by businesses for accepting payments made with a Mastercard credit or debit card in the period 1992 to 2008. More than half a million businesses in the UK, including major supermarkets, that accepted Mastercard cards in the relevant period, paid these unlawful fees, and it is alleged passed these on to consumers in higher retail prices.

The proposed claim says that if between 22 May 1992 and 21 June 2008 you purchased goods and/or services from businesses selling in the UK that accepted Mastercard cards, at a time at which you were both (1) a resident in the UK for a continuous period of at least three months, and (2) aged 16 years or over, you paid higher prices as a result of Mastercard’s unlawful conduct. It is proposed that the claim will be brought on behalf of a class of individuals who meet these conditions with the exception of the categories of persons described in FAQ 6.

The Collective Proceedings Application Notice filed on 6 September 2016, which includes detailed information about the claim and the proposed class representative can be found here.

The Collective Proceedings Claim Form can be found here.

The Statement of Mr Merricks in support of the claim can be found here.

On 21 November 2016 a case management conference was held by the Tribunal and its Order, including giving Mastercard time to respond can be found here.

Mastercard’s reponse to the application can be found here, and Mr Merricks’s reply can be found here.

Skeleton Arguments were filed in support. That by Mr Merricks can be found here, that by Mastercard can be found here and a Supplemental Argument by it can be found here.

The hearing of the application took place on 18-20 January 2017 before the Competition Appeal Tribunal. The Tribunal heard argument on whether the claim should be allowed to proceed as an opt-out collective action. Transcripts of the three days of the hearing can be found as follows: 18 January here, 19 January here, and 20 January here.

The Tribunal delivered its Judgment on 21 July 2017 and dismissed the application. Its Judgment can be found here.

On 10 August 2017, an application for permission to appeal to the Court of Appeal was filed with the Tribunal by Mr Merricks's lawyers. That application can be found here.

On 14 August 2017, a press release regarding the application for permission to appeal was issued and the press release is available here.

On 28 September 2017 the Tribunal dismissed the application for permission to appeal, and the Tribunal’s decision can be found here.

On 27 October 2017 a press release was issued announcing that Mr Merricks was applying to the Court of Appeal for permission to appeal and at the same time applying to the Administrative Court for permission to challenge the Tribunal’s decision by way of judicial review. The press release can be found here.

The Application for Permission to Appeal can be found here, and the Skeleton Argument in support can be found here. The Judicial Review Claim Form can be found here, and the Statement of Facts and Grounds in support can be found here.

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