Section 75/Holiday Club reclaim

rie340

I have recently been approached by a Claims Management Company regarding being mis-sold Holiday Club membership some 10 years ago.
I quickly realised 10 years ago that this product wasn't worth the glossy brochure and applied for a section 75 refund on my Credit Card at the time - this was turned down flat.
Now that this product is widely known to have been mis sold, will I be able to go back to my credit card company and request the case to be re opened? Or is it way too late?

[Deleted User]

In what way was it mis sold?

rie340

We were shown discounts that we would receive but found that the holidays they used as examples were not included in our price plan.Having tried to book a holiday through them it became apparent that we were not receiving any actual financial benefit or savings for being part of the holiday club.

Stevie_Palimo

No good I'm afraid, See below :-


Section 75 of the act says that license means that lenders are responsible for the credit agreements between traders and individuals.
In essence, it's a fall back: when a cardholder has a claim under legislation like the Sale of Goods Act, section 75 means the card provider has to help.
That means cardholders can claim on items that are:

• Not delivered example: you book a flight but the airline goes bust.
• Faulty example: you buy a TV but it doesn't work.
• Damaged example: you buy plates online and they arrive smashed.

Cardholders have a right to be refunded if they make a claim within 6 years (5 in Scotland) and the claim is dependent on the bank, not just the company.
Only purchases which cost between £100 and £30,000 are covered by Section 75. However:

rie340

Just wondered if the fact that I did open the original case within the allotted time scale had any bearing on being able to go back to it. I guess not - thanks for replies