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Claim Against Credit Card Company

I had a very bad experience at a Travelodge hotel in April 2018, I made a complaint and they offered me a free breakfast the next time I stayed with them.

I have tried unsuccessfully to resolve this dispute with the retailer. Under Section 75 of the Consumer Credit Act 1974, the CC Company are jointly and severally liable for any breaches committed by the retailer.

The CC company didn't handle my complaint correctly, they observed a credit on my CC statement from Travelodge in March 2018 and concluded that was a refund for the stay I was complaining about.

I wrote to the Finacial Ombudsman in June 2018 with a complaint about the CC Company.

Last response

Thank you very much for your email.

I'm sorry that we haven't been in touch sooner and I appreciate how frustrating this situation is for you.

We wanted to let you know that we always try our best to let our customers know our answer on their case as quickly as we can, but we're dealing with a large number of similar cases related to s75 claims.

So it's really important that we take a consistent approach when we're dealing with similar cases - but also make sure we've taken into account the individual circumstances of each case.

These cases require extensive information gathering and analysis. This process has taken more time than we'd hoped and at the moment I'm afraid I can't give you any news on what the outcome of your complaint is likely to be, or unfortunately, how much longer that might take. I can assure you; however, that we're doing everything we can to move your complaint forward.

We're working hard to try and get you an answer as quickly as possible, but this may take a little while.

Until then we will continue to keep you updated.



Is it normal for the Financial Ombudsman to take over a year to dela with a complaint against a CC provider?

J

Comments

  • What was the issue with the hotel that required a refund attempt?
  • segovia
    segovia Posts: 348 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    No hot water for two nights and then scalding water on night three.

    I had to move rooms twice in the dark as corridor lighting wasn't working.
  • OK - not really something that denotes a S.75 claim really.

    It should be something that would be relatively easy to sort out with the hotel chain directly.
  • I agree with Gary


    I cant think you're going to get any joy from the FOS on this


    This is more a complaint against standard of service rather than a breach of contract.

    You never know though.


    And over a year seems very excessive, especially for something that's pretty simple.
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