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credit card and debit cards?

i was wanting to know if u pay by debit card do u have the same rights as a credit card? i ask this as i booked a holiday with the collapsed goldtrail comapny. i know abta/atol will reimburse me eventually but i was wanting to know would it be quicker to reclaim through my bank as i paid by debit card?? many thanks in advance

Comments

  • *Scarlett
    *Scarlett Posts: 1,760 Forumite
    edited 19 July 2010 at 5:18PM
    Sorry to hear about your holiday.

    If it's a Visa debit card with the Visa logo you should be able to do a chargeback I think.

    I don't think Maestro offers the same protection.

    However I don't know how long it takes for claims to be paid out.

    Have a look at this site and contact your bank for advice.

    http://search.which.co.uk/search?w=chargeback&asug=char&mainresult=mainresult%3Ayes

    Hope this helps.
  • Tixy
    Tixy Posts: 31,455 Forumite
    Here is some MSE info on the visa chargeback scheme, which you could use if you paid by a visa debit card.
    It does suggest it is a last resort option.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
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