Zoom Airlines is in administration: How to get your money back

eddidaz

parahandy wrote: »

Well, perhaps, but it's still no guarantee...

Went into my branch today and they knew all about it! They filled it all in for me, although I forgot to ask for a copy for myself.

I know it's not guaranteed, but it's better than nothing, and much more optimistic than speaking to that useless call centre woman. Here's hoping to getting the money back.

Daisymabel_2

If it helps, have a look at this link.

http://www.wrapitcustomers.com/content/chargeback

fifi1007

Paid for flights using my Abbey Visa Debit card, and have spent an hour talking to Abbey today. Who, basically do not want to know.

Went to Visa website to look for their address, but could only find a 'phone number and an email address.

But hey! Take a look at this, I refreshed the Visa page after ending my call to Abbey, and look what popped up:


http://www.visaeurope.com/pressandmedia/newsreleases/press369_pressreleases.jsp?src=home_page

DanOz

fifi1007 wrote: »

Paid for flights using my Abbey Visa Debit card, and have spent an hour talking to Abbey today. Who, basically do not want to know.

Went to Visa website to look for their address, but could only find a 'phone number and an email address.

But hey! Take a look at this, I refreshed the Visa page after ending my call to Abbey, and look what popped up:


http://www.visaeurope.com/pressandmedia/newsreleases/press369_pressreleases.jsp?src=home_page

Abbey were cool with me, have you tried calling the visa dispute line direct on:

08456017238?

fifi1007

To Danoz,

Thanks, but I tried that last Friday. Very abruptly told by them that no claim could be made if payment was made with a debit card.

But I'm feeling slightly more hopeful now that I've seen Visa's announcement.

DanOz

fifi1007 wrote: »

To Danoz,

Thanks, but I tried that last Friday. Very abruptly told by them that no claim could be made if payment was made with a debit card.

But I'm feeling slightly more hopeful now that I've seen Visa's announcement.

They took mine fine on friday and i paid by Visa Debit

nadinehill290771

I phoned the bank and they did not want to know... can we use this scheme with chargeback for debit cards when the amount is over £100? We have lost a large sum of money with the Zoom situation and I need to if at least all try to get the money back. Any advice or similar situations please reply..Thanks

eddidaz

nadinehill290771 wrote: »

I phoned the bank and they did not want to know... can we use this scheme with chargeback for debit cards when the amount is over £100? We have lost a large sum of money with the Zoom situation and I need to if at least all try to get the money back. Any advice or similar situations please reply..Thanks

Someone above said it is for any amount of money, you just have to apply within 120 days.

Daisymabel_2

nadinehill290771 wrote: »

I phoned the bank and they did not want to know... can we use this scheme with chargeback for debit cards when the amount is over £100? We have lost a large sum of money with the Zoom situation and I need to if at least all try to get the money back. Any advice or similar situations please reply..Thanks

The Mastercard/Maestro manual makes mention of this. I can't copy and paste the exact quote into here but you can find it at http://www.mastercard.com/us/wce/PDF/TB_CB_Manual_5_08.pdf

Annexe B, Page 465 Section B.2.11 is the relevant part as it's a really long document.

I'm no expert but some of you out there are. This makes specific reference to overseas e-commerce transactions where the goods or services are not delivered. If Zoom is a Canadian registered company, even though they have a sister company in the UK, does this constitute an overseas e-commerce transaction? If yes, from how I read it, those with Maestro cards can make a valid chargeback claim. It's also worth checking out the Chargeback section on the Wrapit website forums. The Financial Ombudsman is quoted there with regard to their position on Chargeback.

FYI, the claim has to be in within 120 days. Why not just put it in writing to your bank now and make sure they receive it ( by hand or signed for delivery). Along with the customers affected by Wrapit who have done a great job researching Chargeback, Zoom customers should not miss out on the 120 day cut off by waiting for the banks to make a decision.

NFH

Indeed, according to http://www.mastercard.com/us/wce/PDF/TB_CB_Manual_5_08.pdf (but see page 477, section B.3.12), anyone who paid with a Maestro card over the internet should be able to get a refund by asking their card issuer to process a chargeback with reason code 4855.

"B.3.12 Intra-European Message Reason Code 4855—Goods or Services Not Delivered
This chargeback reason is applicable to e-commerce transactions only. The cardholder’s account has been debited for an e-commerce transaction, but the merchant failed to deliver the goods or services."

Remember that this is MasterCard policy for banks and card acceptors to follow, and does not necessarily form the T&Cs between you and your bank. You will have to point out to your bank that they should be following MasterCard policy, otherwise you will escalate it to the Financial Ombudsman.