Section 75 Credit Consumer Act

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Hi, am having trouble getting a refund from Halifax Credit Card.. Have purchased a flight with XL that went bust recently, had only paid the deposit and I am under the understanding that I am entitled to a full refund for the full flight even though I only paid the deposit. They tell me today that i was only entitled to the deposit back,, help i need clarification.:money:
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  • NickX
    NickX Posts: 3,046 Forumite
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    Did you pay the rest of the funds in cash or by an alternative method ?
  • moonrakerz
    moonrakerz Posts: 8,650 Forumite
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    Quote the relevant bits of this to them.

    http://www.financial-ombudsman.org.uk/publications/ombudsman-news/31/creditcards-31.htm

    They are ******g you about !!!!
  • sillylittlejill
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    From what I can see of your thread, you say that you have only paid the deposit but you are assuming that you want them to refund you the whole amount of the flight? Why would they do that??? They are only going to pay the money back that you paid to them, nothing else! I think it is very unfair expecting your credit card company to give you what is basically free money for no reason? That is just benefitting from the companies' demise which is a bit, well...mean!!

    I may have misunderstood what you were saying but that is what you have made it sound like!!

    xx
  • jonesMUFCforever
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    OP has to explain whether he paid in full for the flight by other means.
    If only the deposit was paid then that is only what he can claim back.
    If he paid the balance by cash,cheque, debit card or even another credit card he can claim for the whole amount.
  • skintandscared_2
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    Hi, am having trouble getting a refund from Halifax Credit Card.. Have purchased a flight with XL that went bust recently, had only paid the deposit and I am under the understanding that I am entitled to a full refund for the full flight even though I only paid the deposit. They tell me today that i was only entitled to the deposit back,, help i need clarification.:money:

    You're only entitled to claim back what you paid out. Why should you get any more?!
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  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
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    You're only entitled to claim back what you paid out. Why should you get any more?!
    At last some fact and "common sense" on this thread, you can only claim back what you have paid.....:confused: Hello anybody in?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • mitchb
    mitchb Posts: 652 Forumite
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    The OP needs to clarify if they had paid the rest of the flight and if by another means
  • Cat695
    Cat695 Posts: 3,647 Forumite
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    Hi, am having trouble getting a refund from Halifax Credit Card.. Have purchased a flight with XL that went bust recently, had only paid the deposit and I am under the understanding that I am entitled to a full refund for the full flight even though I only paid the deposit. They tell me today that i was only entitled to the deposit back,, help i need clarification.:money:

    does that not clarify what they have paid?
    If you find yourself in a fair fight, then you have failed to plan properly


    I've only ever been wrong once! and that was when I thought I was wrong but I was right
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
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    mitchb wrote: »
    The OP needs to clarify if they had paid the rest of the flight and if by another means
    Read the first post, the OP has only paid the deposit?????????????:rolleyes:
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • moonrakerz
    moonrakerz Posts: 8,650 Forumite
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    From what I can see of your thread, you say that you have only paid the deposit but you are assuming that you want them to refund you the whole amount of the flight? Why would they do that??? They are only going to pay the money back that you paid to them, nothing else! I think it is very unfair expecting your credit card company to give you what is basically free money for no reason? That is just benefitting from the companies' demise which is a bit, well...mean!!

    I may have misunderstood what you were saying but that is what you have made it sound like!!

    xx

    The Law says otherwise ! The OP is fully entitled to claim back all she lost from the company she paid the deposit to.

    I suggest she ignores most of the ill informed comments on this thread.

    [SIZE=-1]"The claim is not limited to the amount of the credit card transaction. Customers can claim for all losses caused by the breach of contract or misrepresentation. And this applies even if all they paid by credit card was the deposit.[/SIZE]
    [SIZE=-1]So, for example, a customer who pays a deposit for goods – using a credit card issued by firm A – and then pays the balance using firm B’s card, has the choice of claiming for the cost of goods and any consequental losses against:[/SIZE]
    • [SIZE=-1]the supplier of the goods;[/SIZE]
    • [SIZE=-1] firm A;[/SIZE]
    • [SIZE=-1] firm B; or [/SIZE]
    • [SIZE=-1]all three.[/SIZE]
    [SIZE=-1]But of course, the customer cannot recover the same money twice."[/SIZE]
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