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Old 13 May 20, 12:49 PM  
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archibald
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Idiots guide to a section 75 claim please.

As holiday extras have changed their mind about giving me my money back (and I paid the extra cancellation insurance) I'm going to try to get it back through the credit card company. I have absolutely no experience of this, do you always get your money? Is it simple to do? Can I make simple mistakes? Is it an online thing or a telephone call, and is it specific to my credit card (Post Office) or is there a general link to something somewhere that someone can kindly give me.
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Old 13 May 20, 12:55 PM  
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mick
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I can't directly answer your question but in this thread attached Yorkshire T has contributed a great deal of common sense and useful facts.

I had waited nearly 6 weeks for VS to refund my flights and went via my HSBC CC a couple of days ago. CC companies are jointly and severally liable if the trader fails to provide a service

https://DIBB.in/14458657

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Old 13 May 20, 12:56 PM  
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ClaireNJ
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I tweeted Tesco Credit card to ask them how to do it, I filled in a link they sent me & attached all documents they asked for on 24/03/20 had a phone call last week all sorted.
Or maybe if not on their website ask a question on Facebook 🤔
Good luck x
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Old 13 May 20, 01:00 PM  
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mick
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Originally Posted by ClaireNJ View Post
I tweeted Tesco Credit card to ask them how to do it, I filled in a link they sent me & attached all documents they asked for on 24/03/20 had a phone call last week all sorted.
Or maybe if not on their website ask a question on Facebook 🤔
Good luck x
Tesco CC were fantastic when we had a S75 claim on TC last September. Money back into our CC within 3 weeks. Judging by what I read on here at the time though some CC companies were atrocious.

TC of course was a company going bust rather than a breach of contract as VS are

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Old 13 May 20, 01:28 PM  
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Originally Posted by archibald View Post
As holiday extras have changed their mind about giving me my money back (and I paid the extra cancellation insurance) I'm going to try to get it back through the credit card company. I have absolutely no experience of this, do you always get your money? Is it simple to do? Can I make simple mistakes? Is it an online thing or a telephone call, and is it specific to my credit card (Post Office) or is there a general link to something somewhere that someone can kindly give me.
You may find it difficult to lodge a S75 against a travel agent as they are not the end supplier of the service. I would try though.
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Old 13 May 20, 01:47 PM  
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DisneyDaffodil
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Was the payment for over £100? If not, then you can’t make a section 75 claim. HE owe me £59 and I paid by credit card but can’t make a claim. It’s also a grey area as they are a third party so may not be covered by section 75.

It’s surprising how many loopholes there are when consumers have a genuine complaint against a company especially in this case as HE have changed their terms since our booking which they certainly shouldn’t be legally allowed to do, but they appear to be getting away with it
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Old 13 May 20, 02:18 PM  
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familybell
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I don’t know too much about it but Martin Lewis is advising to ask for a chargeback from your card provider, can be credit or debit card and no minimum amount, it is preferable to s75 as the card issuer just requests the money back from the merchants bank account I believe and it’s also much quicker, I’ve not tried myself yet as I’m still awaiting my flights to be cancelled but might be worth looking into this.
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Old 13 May 20, 03:37 PM  
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DisneyDaffodil
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Originally Posted by familybell View Post
I don’t know too much about it but Martin Lewis is advising to ask for a chargeback from your card provider, can be credit or debit card and no minimum amount, it is preferable to s75 as the card issuer just requests the money back from the merchants bank account I believe and it’s also much quicker, I’ve not tried myself yet as I’m still awaiting my flights to be cancelled but might be worth looking into this.
I hadn’t realised chargeback could be used for credit cards. Thanks for the advice 😀
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Old 13 May 20, 03:53 PM  
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jasminedivas
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I’ve done 2 recently, one was for Lufthansa with American Express on a closed account, I just called they logged it and the money was then able to be transferred back to my account a couple of weeks later. I applied for this as I couldn’t get through on the phone, my flights had been cancelled and they were only offering a voucher.
The second one was with Pacific Coastal Airways for an internal flight within Canada, they cancelled our flights but would only give a voucher valid for 2yrs. I called Nationwide, had to send copies of emails, was then emailed again asking to contact the airline and ask for a refund, I then resent the emails to Nationwide stating I had asked for a refund and they were not giving any refunds. Money was back in the account about 2 weeks later.

Amex was much easier to deal with as they didn’t want any paperwork, but they did try and persuade me not to do a claim.
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Old 13 May 20, 11:35 PM  
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archibald
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It is over £100 so qualifies for the sec75, but I think I'll try chargeback. I thought chargeback was only for debt cards so thank you all very much for your help, I'll be contacting the credit card company tomorrow.
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