will my credit card refund me

McKneff

Can you still not go away, it may take your mind off thinfs a bit. What would your mum want you to do

eco_warrior

“Can you explain your reasoning on this?”

Hey Elsien.

Sorry I can’t get the quote function to work on my iPhone.

Both Visa and MasterCard chargeback rules allow a customer to dispute a transaction where the cancellation or refund policy wasn’t disclosed at the point of purchase. So this is applicable for all transactions made over the telephone as the merchant cannot prove the customer agreed to any T&Cs.

Works in other situations as well (no signed contract being one) but is guaranteed to work for telephone transactions. It’s a bit of a loophole really.

Chino

eco_warrior wrote: »

So this is applicable for all transactions made over the telephone as the merchant cannot prove the customer agreed to any T&Cs.

This may come as news to you but, eighty-odd years ago, this device was invented:
https://en.wikipedia.org/wiki/Magnetophon
Apparently in the time since its invention it has undergone the odd improvement...

EarthBoy

chattychappy wrote: »

Nationwide does roll in some sort of travel insurance with their flex account with them, subject to provisos. They send me a certificate each year to say that I have requalified. I'm sure someone on here said that it includes cover for UK stays.

Existing customers only. They withdrew travel insurance for new customers a couple of years ago, unless you open the FlexPlus account, which has a monthly charge.

Nick_C

I have often booked holidays on the phone where the agent has read out the terms and explained the cancellation policy, asking me to confirm that I have understood the terms, before closing the deal.

And calls are routinely recorded.

chattychappy

madlyn wrote: »

Their travel insurance is only for their FLEX accounts, I paid on my credit card. I did think the answer would be no, so at some point I will give premier inn a ring.

It doesn't matter how you paid. If you have their insurance then you might be covered. EarthBoy points out that not all flex accounts include this.

elsien

eco_warrior wrote: »

“Can you explain your reasoning on this?”

Hey Elsien.

Sorry I can’t get the quote function to work on my iPhone.

Both Visa and MasterCard chargeback rules allow a customer to dispute a transaction where the cancellation or refund policy wasn’t disclosed at the point of purchase. So this is applicable for all transactions made over the telephone as the merchant cannot prove the customer agreed to any T&Cs.

Works in other situations as well (no signed contract being one) but is guaranteed to work for telephone transactions. It’s a bit of a loophole really.

Except OP said they knew full well it was non-refundable. Are they expected to lie?