Scammed and the bank won’t pay up? Beware the Section 75 get-out clause

We fell for a scam website but Santander wouldn’t refund our money under the Consumer Credit ActI booked a villa holiday in Mallorca for £1,624.76 with an online company called Balearic-Travel.com. The firm then stopped all contact. The night before our departure, I researched the company online and discovered it was a fraudulent website which had scammed others. I immediately contacted my bank, Santander, and made a claim for a refund under Section 75 of the Consumer Credit Act. But