Section 75 claim

SLC55

Hi All
I have a question I am hoping someone will be able to help me with.
I booked and paid for a holiday for myself, son, partner and 6 other family members I won't bore you all with the details but we had building work going on and various other problems with this holiday so I was advised by Citizens Advice to put in a section 75 claim to my credit card company as I had paid the entire amount on the credit card. Barclaycard have just called me stating that despite the fact that I paid for this holiday and on the credit card section 75 only covers me my partner (and we are not married) and my young son they won't cover other peoples costs, which you may think is fair enough except I paid for this entire holiday and now I'm being told I'm not covered. Please if anyone knows there stuff regarding this I would really appreciate some help.

[Deleted User]

That is correct. But it's worth escalating.

But how did the holiday come to be cancelled?

SLC55

The holiday wasn't cancelled

jonesMUFCforever

What are you claiming?
How much are you claiming?

I do not feel it is fair to get the whole amount back as for example assuming you flew the air costs were utilised without a problem etc.

[Deleted User]

Have you approached the holiday company?

SLC55

I have approached the tour operator who is also giving me the run around. I have not asked for a set amount at this point and the problems started at the airport where we were delayed for 23hrs 12 of which was spent sitting in the airport at no point were we given vouchers for food refreshments etc and when we finally arrive at the resort a hotel is being built 20 meters from my room, the noise and dust was unbelievable. There is a lot more to this but thats the basics of my claim.

jonesMUFCforever

You will have to be specific in your claim.
You can't be wooly wooly or your claim will fail.

drp_2

I paid for my wife and four of her friends to go on holiday with my post office credit card when the company went bust I received a full refund under section 75 I don't think it matters what you buy or who for as long as it's your card.

bris

drp wrote: »

I paid for my wife and four of her friends to go on holiday with my post office credit card when the company went bust I received a full refund under section 75 I don't think it matters what you buy or who for as long as it's your card.

Well you were very lucky, the S75 protection does not cover people other that the card holder and immediate family. Buying for some one else has never been covered.


Apart from that what steps did you take to rectify the problem, did you give the rep a chance to put it right?

jonesMUFCforever

If the OP paid for other members of his family/friends and they have paid him back - why should he get money paid back twice?

eddddy

SLC55 wrote: »

Barclaycard have just called me stating that despite the fact that I paid for this holiday and on the credit card section 75 only covers me my partner (and we are not married) and my young son they won't cover other peoples costs,

It's a grey area.

An MSE article says:

I booked tickets for me and five friends. Are we all protected?
There's conflicting information on this, but in general, if you've paid for a group booking, such as tickets or a holiday for friends or non-immediate family, you should be protected for the full payment. Yet for those who want to play it safe, the best bet is to ask others to pay their own way where possible.

Let's say you pay for a whole group of mates to go on holiday with your credit card, and they pay you back their portion. Section 75 protection becomes confused if the holiday firm goes into administration, as there is some argument over who is part of the credit card contract.

Trading Standards was positive, telling us the payee "is entitled to a compensation of the full amount from the credit card company".

But the Financial Ombudsman says there's a chance you'll not be covered for the full amount, possibly only being entitled to your own proportion of the payment. So while payments for partners and children are easier, others are not so clear-cut.

If this happens to you and your bank won't reimburse the full cost, take your complaint to the Ombudsman anyway as it could agree to your complaint. Details on how the FOS can help are in the Financial Fightback guide.

See: http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases