Visa chargeback scheme

p00hsticks

lisyloo wrote: »

Again the simple question I'm asking is Does the VISA chargeback scheme cover compensation (in writing) or merely the refund.

It's been a while since I worked in the card processing industry, but I'm pretty sure the answer is that a chargeback would only cover the refund of the original transaction (and in this case, just the extra premium you paid for the upgrade) as that is all that was put on the card in the first place. There's no leeway in the rules for compensation.

FYI, if you want to look you can find the full visa rules here - chargebacks and dispute resolution are covered in section 11.
https://www.visaeurope.com/media/images/visa%20public%20rules%2015%20october%202016-73-40575.pdf

lisyloo

powerful_Rogue wrote: »

Disappointed by the lack of support on here? In which case,contact and a lawyer and see what they advise.

1) How much was the flight?
2) What is a "comfort" seat and how much did it cost you?
3) How much did Easyjet offer you?

I don't think the first is good advice (to pay for a lawyer).
I will use moneyclaim online (£35) if I have to but would prefer to exhaust the chargeback scheme first as that is free.


1) In total £444.44. I am asking for the 1 seat £98.49 plus seat reservation fee £3.99 (total £102.48) to be refunded i.e. just the bits they didn't provided.
2) A comfort seat is for someone who needs more room. They could be disabled or fat for example, so they buy an extra seat. Sometimes couples (as in this case) buy 3 seats for 2 people and have one free in the middle. Not sure of the relevance. The fact is that we paid for something and didn't get it. The flight was £98.49 and the reservation fee for the seat we didn't get was £3.99. I'm not asking for the baggage elements or passenger duty, only a refund for the seat we didn't get.
3) EasyJet offered a FULL refund for the seat plus E250 compensation IN WRITING.


Do you know the answer to the question i.e. can VISA chargeback deal with compensation (agreed and in writing) or merely refunds for services not received.

lisyloo

Caz3121 wrote: »

I am assuming that a comfort seat is a second seat that you book in your name to give you 2 seats together but with the change to the smaller aircraft this was no longer an option so you had 1 seat instead of the 2 you paid for...is that correct?

Correct.
It was 2 seats instead of 3.

lisyloo

p00hsticks wrote: »

It's been a while since I worked in the card processing industry, but I'm pretty sure the answer is that a chargeback would only cover the refund of the original transaction (and in this case, just the extra premium you paid for the upgrade) as that is all that was put on the card in the first place. There's no leeway in the rules for compensation.

FYI, if you want to look you can find the full visa rules here - chargebacks and dispute resolution are covered in section 11.
https://www.visaeurope.com/media/images/visa%20public%20rules%2015%20october%202016-73-40575.pdf

Thanks very much.
This is the information I was looking for.
I was unsure once whether once an offer was made it because binding and a part of the transaction.

lisyloo

I started the new thread to rephrase the question because unfortunately if you give some details then people go off on all sorts of tangeants asking about this and that when really I just had a question about the VISA chargeback scheme.
Apologies if that caused you issues.

powerful_Rogue

lisyloo wrote: »

I don't think the first is good advice (to pay for a lawyer).
I will use moneyclaim online (£35) if I have to but would prefer to exhaust the chargeback scheme first as that is free.

It's good advice if you are not happy with the "lack of support" shown on this forum. If you want 100% correct and legal advice, then contact a lawyer.

lisyloo wrote: »

1) In total £444.44. I am asking for the 1 seat £98.49 plus seat reservation fee £3.99 (total £102.48) to be refunded i.e. just the bits they didn't provided.

Then £102.48 would be what you would claim for as that is your actual loss.

lisyloo wrote: »

2) A comfort seat is for someone who needs more room. They could be disabled or fat for example, so they buy an extra seat. Sometimes couples (as in this case) buy 3 seats for 2 people and have one free in the middle. Not sure of the relevance. The fact is that we paid for something and didn't get it. The flight was £98.49 and the reservation fee for the seat we didn't get was £3.99. I'm not asking for the baggage elements or passenger duty, only a refund for the seat we didn't get.

Because I have never heard of a comfort seat, so I simply asked what one was.

lisyloo wrote: »

Do you know the answer to the question i.e. can VISA chargeback deal with compensation (agreed and in writing) or merely refunds for services not received.

No.

lisyloo

It's good advice if you are not happy with the "lack of support" shown on this forum. If you want 100% correct and legal advice, then contact a lawyer.

By lack of support I mean moral sympathy when I have acted morally to my own physical discomfort through no fault of my own and the other party have not acted honourably. Luckily I didn't come for that.

I don't think it's good advice to go to a lawyer which involves paying a lot when

a) I haven't exhausted the process with the retailer
b) There is a free VISA chargeback scheme which will cover at least SOME of it
c) moneyclaim online is £35

Then £102.48 would be what you would claim for as that is your actual loss.

Not sure if you mean specifically the chargeback scheme.
I expect EasyJet to honour their offer which is £102.48 + E250.
For chargeback I understand it may be limited to £102.48

Because I have never heard of a comfort seat, so I simply asked what one was.

No worries. It's polite terminology that companies use when they might be referring to someone who is clinically or morbidly obeise, although people might also use them if they had a disability that required them to stretch out or for a musical instrument. A "fat B@st@rd" seat might be more explanatory but they hardly call it call it that can they.

Off topic but there is an issue which has been in the public domain about fat/tall people having trouble with airline seats.
Long haul you can fly premium or business if you can afford it or get extra leg room.
Ironically if you are obeise you can often not avail yourself of the extra legroom seat around the exits because safety rule (rightly) dictate that an obeise passenger may be a hazard around an exit (for example unconscious).
On short haul flights you can often not get premium seats so the only option is to buy two. Whatever the rights and wrongs of someone's size (and tall people have issue too) then I believe it's far better for that person to buy two seats than to crush the person in the adjoining seats.
FWIW - I am a crushee not a crusher.


I was crushed on the EasyJet flight and also stood for some of it and sat in the flight assistants seat away from the convenience of my books, drinks etc.
That is why I think morally I should be compensated.
Legally and morally I think they should pay it because THEY OFERRED IT and I don't they will be able to walk away from this written offer.
I might come back and let you know as in general I value this helpful and friendly community.

powerful_Rogue

lisyloo wrote: »

By lack of support I mean moral sympathy when I have acted morally to my own physical discomfort through no fault of my own and the other party have not acted honourably. Luckily I didn't come for that.

But this is a consumer rights board. I don't know why you would expect moral sympathy on here, and the fact you say you didn't come looking for it, then I can't see why you have raised the issue as you haven't got any.

lisyloo wrote: »

I don't think it's good advice to go to a lawyer which involves paying a lot when

a) I haven't exhausted the process with the retailer
b) There is a free VISA chargeback scheme which will cover at least SOME of it
c) moneyclaim online is £35

When you said "lack of support", I thought you meant answers you wanted. That's why I suggested a lawyer. You've cleared that up RE: moral sympathy.

lisyloo wrote: »

Not sure if you mean specifically the chargeback scheme.
I expect EasyJet to honour their offer which is £102.48 + E250.
For chargeback I understand it may be limited to £102.48

Chargeback will be for £102.48

KeithP

You have asked us many times whether a chargeback is appropriate.

I am really struggling to understand why you haven't asked your card issuer that question.

Seek a chargeback from your card issuer.
Reason = promised refund not materialised.

KeithP

lisyloo wrote: »

I started the new thread to rephrase the question because unfortunately if you give some details then people go off on all sorts of tangeants asking about this and that when really I just had a question about the VISA chargeback scheme.
Apologies if that caused you issues.

Have you read MSE's chargeback article yet?

But as you might imagine, the word chargeback implies the return of monies paid.

So, no, the chargeback scheme does not cover extra compensation.
For that you need section 75 of the consumer credit act.
Did you use a debit card or a credit card?