Claiming a flight only refund on credit card

[Nimbus]

Originally Posted by anneeb

That sounds like charge back rather than section 75. Others are doing temporary refund to allow Thomas Cook to dispute. Not sure who at Thomas Cook would dispute🙄🤔

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Actually, it might be a standard Section 75 claim response.

Section 75 doesn't just cover cases where a company goes bust before a product or service is provided. It covers any dispute you have with a company's provision of a service or product. If you receive a product/service and the product doesn't work or the service isn't provided, if the product/service is not as advertised or is somehow 'wrong' then you can make a claim. Section 75 just means that the credit card company is jointly responsible. The credit card company must then allow sufficient time for the other company jointly responsible for providing the product/service to respond. That company has 45 days to respond to the claim, which might be to dispute the claim (eg. they correctly provided the product/service as advertised and the claimant is trying it on) or to offer an alternative resolution (eg. repair or replace the item, provide an alternative service, etc).

Now, in this case, TC has gone bust so can't respond to the dispute in any way. I expect it's just standard wording for one of these claims. There may even be a legal requirement for them to provide this statement (even if the company is no more).

[Pagan8c]

Originally Posted by Nimbus

Actually, it might be a standard Section 75 claim response.

Section 75 doesn't just cover cases where a company goes bust before a product or service is provided. It covers any dispute you have with a company's provision of a service or product. If you receive a product/service and the product doesn't work or the service isn't provided, if the product/service is not as advertised or is somehow 'wrong' then you can make a claim. Section 75 just means that the credit card company is jointly responsible. The credit card company must then allow sufficient time for the other company jointly responsible for providing the product/service to respond. That company has 45 days to respond to the claim, which might be to dispute the claim (eg. they correctly provided the product/service as advertised and the claimant is trying it on) or to offer an alternative resolution (eg. repair or replace the item, provide an alternative service, etc).

Now, in this case, TC has gone bust so can't respond to the dispute in any way. I expect it's just standard wording for one of these claims. There may even be a legal requirement for them to provide this statement (even if the company is no more).

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I had the same letter with my refund and rang Yorkshire Bank and they confirmed exactly what you have said that it is just a stock letter and not to worry.

[Blueste]

Due to being on holiday at the time of the collapse I claimed late, but some people must have passed 6 weeks since claiming at which point (I believe?) you can go to the financial ombudsman. Has anyone done this?

[Petalnick]

Has anybody else heard anything from virgin. My parents are still waiting.

[danisleigh]

No but still waiting on Halifax 😡

[kathrynmc]

I’m still waiting from Halifax. I spoke to someone from the complaints section last week who said I would hear from disputes Thursday/Friday, heard nothing.

I will be contacting complaints again tomorrow

[hawki]

Originally Posted by Petalnick

Has anybody else heard anything from virgin. My parents are still waiting.

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I got my refund from Virgin last Friday, my claim went in 29th Sept, heard nothing from them until I checked my balance daily & saw the refund! letter came a few days later!

[Cinderellas]

Originally Posted by Petalnick

Has anybody else heard anything from virgin. My parents are still waiting.

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I rang virgin yesterday and they said my claim was with a claims handler and couldn’t give me a timescale. I sent mine the last week in September 😳

[Petalnick]

Originally Posted by Cinderellas

I rang virgin yesterday and they said my claim was with a claims handler and couldn’t give me a timescale. I sent mine the last week in September 😳

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Yes my parents put in a claim the last week in September as well.

They have booked new flights as we are all going in April and didn’t want flight costs to rise too much. Really thought they would have received a refund by now

Hopefully everyone is refunded sooner rather than later.

[Hailz]

Originally Posted by kathrynmc

I’m still waiting from Halifax. I spoke to someone from the complaints section last week who said I would hear from disputes Thursday/Friday, heard nothing.

I will be contacting complaints again tomorrow

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I spoke to someone at Halifax on 1st Nov, tried to put me through to disputes but too busy, was then told I'd have a call from disputes in 3 working days never happened. Called yesterday spoke to someone in disputes who has now passed it onto section 75. Have been told will receive a call from them in 3-5 working days.

I put this claim in on 26th Sept and everytime I call they say are you disputing 1 payment and I've explained everytime no it's 3 payments. Don't hold out much hope I'll get money back (It's for tickets for discovery cove and mnsshp).