Monarch Airlines stops trading - latest info and your rights

bradders1983

orangesmartie wrote: »

My girlfriend booked a holiday with Monarch last Deember (I don't know the date) as a christmas gift to me. In September (before they went into admin) we were informed that our departure airline had changed and our inbound and outbound flight times had changed. The time change was more than 12 hours on both flights, meaning we would effectively lose two days of our holiday. She spoke to them and was told she would get a refund, but it would take 60-90 days to process. A week later the company goes into administration. No refund received.

She then rang her credit card company to lodge a section 75 claim and was told that they wouldn't repay until after they had claimed from monarch. That doesn't sound right to me, can someone advise how it works please?

There is nothing to claim from Monarch. Just put in a Section 75 claim as per the last few pages of this thread, the fact they were going to refund you is irrelevant.

Sailorgirl0412

Has anyone had a credit card refund from HSBC or an indication of timescales?

Also my concern is we have rebooked with Easyjet and paid on same credit card but if we pay off the new flights (using savings) I will then have a big credit on my account which is useless as i am not a credit card user. Wonder if i should close my account so they have to send money to my bank account and then I can replace my savings?? Any ideas or definate guidance? ?

bradders1983

Sailorgirl0412 wrote: »

Has anyone had a credit card refund from HSBC or an indication of timescales?

Also my concern is we have rebooked with Easyjet and paid on same credit card but if we pay off the new flights (using savings) I will then have a big credit on my account which is useless as i am not a credit card user. Wonder if i should close my account so they have to send money to my bank account and then I can replace my savings?? Any ideas or definate guidance? ?

You don't have to close a credit card account to get a credit balance back. Just ask for it back either as a bank transfer or a cheque, in effect it's just a balance transfer if they do the former anyway.
It's what I will be doing when mine is refunded.

eco_warrior

orangesmartie wrote: »

My girlfriend booked a holiday with Monarch last Deember (I don't know the date) as a christmas gift to me. In September (before they went into admin) we were informed that our departure airline had changed and our inbound and outbound flight times had changed. The time change was more than 12 hours on both flights, meaning we would effectively lose two days of our holiday. She spoke to them and was told she would get a refund, but it would take 60-90 days to process. A week later the company goes into administration. No refund received.

She then rang her credit card company to lodge a section 75 claim and was told that they wouldn't repay until after they had claimed from monarch. That doesn't sound right to me, can someone advise how it works please?

If it was booked pre 15/12/16 then customers must claim via atol, they will send out a form.

If it’s post that date then your gf can get a chargeback from the credit card provider. So have her check the dates. No bank will pay out under s75 for this as they won’t have to if they can via chargeback.

N4t4lie

orangesmartie wrote: »

My girlfriend booked a holiday with Monarch last Deember (I don't know the date) as a christmas gift to me. In September (before they went into admin) we were informed that our departure airline had changed and our inbound and outbound flight times had changed. The time change was more than 12 hours on both flights, meaning we would effectively lose two days of our holiday. She spoke to them and was told she would get a refund, but it would take 60-90 days to process. A week later the company goes into administration. No refund received.

She then rang her credit card company to lodge a section 75 claim and was told that they wouldn't repay until after they had claimed from monarch. That doesn't sound right to me, can someone advise how it works please?

Which credit card is it? They all treat claims slightly differently and there may be comments from people having the same issue on this forum. If they have a large liability with Monarch they may be waiting till they can secure payments from the administrators before proceeding. Now Monarch had cash in the bank when they went under and assets that can be sold so all claims should be paid. However, I am wondering if in this case as she is using Section 75 that there might be some confusion with chargeback on the banks part.

Fill in the forms, be patient and hope they hit the right desk. Once it does it'll probably be sorted quite quickly, but till it does keep a good written record of all correspondence in case you need to go to the Ombudsmen for any reason.

bradders1983

Sailorgirl0412 wrote: »

Has anyone had a credit card refund from HSBC or an indication of timescales?

Also my concern is we have rebooked with Easyjet and paid on same credit card but if we pay off the new flights (using savings) I will then have a big credit on my account which is useless as i am not a credit card user. Wonder if i should close my account so they have to send money to my bank account and then I can replace my savings?? Any ideas or definate guidance? ?

eco_warrior wrote: »

If it was booked pre 15/12/16 then customers must claim via atol, they will send out a form.

If it’s post that date then your gf can get a chargeback from the credit card provider. So have her check the dates. No bank will pay out under s75 for this as they won’t have to if they can via chargeback.

It was a holiday, not a flight only, so doesn't matter when she booked it's ATOL protected. In any case a credit card claim is the way to go, the bit about the refund that never happened is irrelevant in this case

N4t4lie

pampam wrote: »

I haven't received my ATOL claim form for the package holiday I booked with Monarch.

Can I claim Credit card Section 75 refund even though I am actually covered by ATOL?

It would be much easier than waiting for and completing ATOL forms.

Thanks
pam

ATOL have asked anyone who booked a holiday direct with Monarch and used a credit card to make a claim with the credit card first. There is a letter on the Monarch CAA web page you can send to them if they are unaware of this. Make sure they process it as a Section 75 claim and not a chargeback.

N4t4lie

Sailorgirl0412 wrote: »

Has anyone had a credit card refund from HSBC or an indication of timescales?

Also my concern is we have rebooked with Easyjet and paid on same credit card but if we pay off the new flights (using savings) I will then have a big credit on my account which is useless as i am not a credit card user. Wonder if i should close my account so they have to send money to my bank account and then I can replace my savings?? Any ideas or definate guidance? ?

I wouldn't close the card, when the refund comes through be creative with your accounts and use the card to pay for everyday things but pay yourself back your savings as you do. May seem protracted, but will have the same effect as getting a cheque in the end.

bradders1983

N4t4lie wrote: »

I wouldn't close the card, when the refund comes through be creative with your accounts and use the card to pay for everyday things but pay yourself back your savings as you do. May seem protracted, but will have the same effect as getting a cheque in the end.

Or just ask for a credit balance refund or a balance transfer to a current account like I already suggested

Sailorgirl0412

It's nearly £5k so will be a total pain to just keep spending on credit card... also don't think it's fair d for them to keep my money! 💷💷💷💷