Chargeback or Section 75?

Ily

Last November I accompanied my hubby to NY for a work trip. All was pretty much fine until we returned home and noticed that the hotel charged our Nationwide (VISA) card for 4 nights instead of the 3 we should have paid.

We contacted Nationwide right away, and they told us to contact the hotel directly and ask them to put it right (I now know that Nationwide should not have told us that because I've done a lot of reading about this issue since, but I did not know it then :cool:). Anyway, follows a series of mails with the Hotel from which we can only conclude that their management is quite simply so shoddy and incompetent that we're not going to get anywhere. It's a long story and one which is full of numbers so I'll spare you the details and cut to the chase...

Tired of being messed around by the hotel management, we called Nationwide and told them to do something about it. After all, being charged for one night in a hotel when you were not there is like paying for goods or services never received (?)

Nationwide told us to keep a file of the mails exchanged with the hotel and they would send us a form to initiate a Section 75 claim in the post. We should then fill the form, enclose any mails and other 'evidence' and send it to them.

We're more than happy to oblige. However, since this thing is really bugging me I came on MSE and read as much as I could on the topic, including comments on this forum, and now I have a doubt: should we have asked the bank to go for Chargeback instead? It would seem to me from the answers some of you have given in other threads that Chargeback would be quicker/easier?

Any suggestion on how to approach this would be very welcome. Sfter all, we haven't even received the Sect.75 form yet let alone filled it in so I guess we're still on time to try another solution/approach if you think it would be more efficient.

Thank you in advance for your time :beer: