Hotel charged my CC retrospectively

martflet

Just an update on this case, that has now actually been resolved. Some people have asked for more details in private messages.

My original payment to Superbreak was made via a travel agent using my Visa debit card from my main bank.

The hotel accepted the Superbreak vouchers as payment for the stay and the holiday completed with no issues. On checking in at the hotel, they asked for my credit card. This practice I took as being normal for any extra purchases, etc. My Visa credit card is issued by a different company i.e. not my debit card bank.

Two weeks after completion of the holiday Superbreak went into administration.

The hotel then (almost immediately) charged the full cost of the hotel stay to my credit card - they did not inform me about making the charge.

I initially thought that the hotel was acting incorrectly by trying to bypass the Superbreak administrator. ABTA also told me the hotel was in the wrong.

I spoke to the hotel and they told me that Superbreak had collapsed and had not paid the hotel for my stay.

I filed a dispute with my credit card company who investigated the situation and eventually told me that because I allowed the hotel to "see" my credit card on arrival then I had implicitly given permission for them to take the payment - even though I signed nothing and was not told of this possibility. They said the hotel was claiming via a “Subject to Final Audit” clause.

I had talked to my debit card bank previously and when contacting them again they said they would refund the money to me under failure to supply goods clause (or something) and would perform a chargeback to the travel agent who I originally paid.

This all happened and the travel agent has now claimed the money back from ABTA under the Superbreak ABTA policy.

In future I will use the same card for initial payment and hotel presentation – if I had done this the claim would have been a little easier, I think?

Many thanks for all comments and advice.

nickcc

martflet wrote: »

Just an update on this case, that has now actually been resolved. Some people have asked for more details in private messages.

My original payment to Superbreak was made via a travel agent using my Visa debit card from my main bank.

The hotel accepted the Superbreak vouchers as payment for the stay and the holiday completed with no issues. On checking in at the hotel, they asked for my credit card. This practice I took as being normal for any extra purchases, etc. My Visa credit card is issued by a different company i.e. not my debit card bank.

Two weeks after completion of the holiday Superbreak went into administration.

The hotel then (almost immediately) charged the full cost of the hotel stay to my credit card - they did not inform me about making the charge.

I initially thought that the hotel was acting incorrectly by trying to bypass the Superbreak administrator. ABTA also told me the hotel was in the wrong.

I spoke to the hotel and they told me that Superbreak had collapsed and had not paid the hotel for my stay.

I filed a dispute with my credit card company who investigated the situation and eventually told me that because I allowed the hotel to "see" my credit card on arrival then I had implicitly given permission for them to take the payment - even though I signed nothing and was not told of this possibility. They said the hotel was claiming via a “Subject to Final Audit” clause.

I had talked to my debit card bank previously and when contacting them again they said they would refund the money to me under failure to supply goods clause (or something) and would perform a chargeback to the travel agent who I originally paid.

This all happened and the travel agent has now claimed the money back from ABTA under the Superbreak ABTA policy.

In future I will use the same card for initial payment and hotel presentation – if I had done this the claim would have been a little easier, I think?

Many thanks for all comments and advice.

Thanks for the feedback, many posters don't follow up but a
reply can help others in your situation.