Section 75 refunds - article discussion

dc240969

I have been charged full year interest on a £700 transaction which was claimed for under section 75. I recieved the credit to my account for the £700 after successfully claiming S75. Are the credit card company correct in charging this interest?

DAVID_HARVEY

Purchased flights to USA and back .On booking I paid extra for comfort seats IN January .When I took the flights in September i did not get comfort seats just ordinary ones .Can I claim under section 75 for this

dc240969

Is there anyone that actually knows about S75 that can help. The credit card company are adament that l am liable for this interest.

[Deleted User]

I paid for my flight return but on return airline went bust, I used another card to buy another ticket to get back but I have been told I can not claim for the return flight as I used another card for that purchase... do you think that is right?

Nochex_company_representative

WendyBedd wrote "I paid for my flight return but on return airline went bust, I used another card to buy another ticket to get back but I have been told I can not claim for the return flight as I used another card for that purchase... do you think that is right?"

Yes, I believe that is right.

Have you contacted your first card company about the original 'bust' company ticket? If this card was a credit card then the 'first' card company will be able to give you your money back for the original bust company transaction. Good luck.

[Deleted User]

“
I bought return flight with Halifax credit card and hours before flying home the airline went bust and I never had any money on me to get home but my friend loaned me the money and got me a flight home. They paid with their debit card and I paid them back. Halifax say as I never used their credit card to get back they don’t owe me for flight home but I thought I would be covered for any additional costs to get back to my destination no matter how I paid for the return flight. Can anyone help me on this, am I correct or is Halifax? I have to add that Halifax have given me the money paid for for ticket but not on the second return flight.

Nochex_company_representative

Wendy, from what you describe I don't think the Halifax owe you anything.

There are two other avenues you need to consider: first, ABTA - your flight may be covered by their travel scheme; second, did you take out any travel insurance or do you have travel insurance through some other product such as your bank account, credit card? Worth checking these out.

Good luck!

Uitlander

Long story short I bought a Surface Pro from the Microsoft online store in September for £999. The touchscreen failed completely after 6 weeks of use, and after returning the machine to Microsoft for warranty repair they have refused stating there was damage to it. The Surface arrived back with a dent on the corner which had not been there when it was sent off. There's been lots of to-ing and fro-ing with their customer support, but they insist the touchscreen failure is a result of the damage and so refuse repair, replacement or refund. Infuriating as the damage appeared while it was with them for repair.

I'm getting nowhere with them asking for a repair, or asserting rights under the Consumer Rights act so I contacted my credit card people last night about a section 75 claim. All this is on the basis that the Surface Pro was not of satisfactory quality and unfit for purpose due to touchscreen failure after 6 weeks.

The credit card people have told me to use their dispute process instead and are sending me some forms to fill out. I kept saying I thought I needed to use a section 75 claim, and the response was that they felt I should use their dispute process instead.

Does anyone know why I'm being steered towards the company's dispute process instead of a section 75 claim? Should I go along with this, or inisist on a section 75 claim to be processed instead?

Nochex_company_representative

"Does anyone know why I'm being steered towards the company's dispute process instead of a section 75 claim? Should I go along with this, or inisist on a section 75 claim to be processed instead?"

They are steering you in this direction because if you go directly down the S75 route then they are liable; if you go down the dispute route it provides them with the opportunity to push your claim onto the your supplier.
This is not my area of expertise, but I would play ball with them, fill in and return their forms. If they can get you your money back why would you care who paid you? Good luck!

Uitlander

Nochex_company_representative wrote: »

"...
This is not my area of expertise, but I would play ball with them, fill in and return their forms. If they can get you your money back why would you care who paid you? Good luck!

I'm concerned that going down the dispute pathway might close off any redess I could use following the section 75 route. Quite a lot of googling has produduced lots of information about section 75, but so far I've seen nothing that mentions using this dispute process as an alternative. I'm interested to know more about it and whether there are any things to watch out for.