Response to a section 75 claim

lr1277

Hi


In December 2018, I booked a 2 day stay at a UK hotel through superbreak.com.
In early August I learned superbreak had gone into adminisatration. Hotel only bookings would not be honoured nor could I claim through ABTA/ATOL. I was advised to contact my card company.


So after contacting my card company and being told about 2 ways to claim, which were incorrect, I was told about the correct way to claim (I hope). I submitted the claim on 12/08, sending my card company a modified template I found on the internet.


I have not heard from my card company. How long should I leave it before contacting them again? 4 weeks, 8 weeks or some other timescale?


Any other advice you can give on section 75 claims would be great.


Many thanks in advance.

lr1277

Incidentally the stay was for the last weekend in September, so I have not yet received the service for which I paid.

Nebulous2

I've only had one experience of trying to claim on section 75, through Nationwide and they were hopeless. They had a complicated application process and simply didn't respond. I didn't have a great deal of patience and sent a letter before action (LBA) and then issued a small court claim. At this point the other party, which was Currys sprang into life and settled my issue to my satisfaction. Nationwide may have prompted Currys, but they never did contact me. The one thing they did do was put a marker on my credit report of QY (for query account under review)

lr1277

Thanks for the info Nebulous2. I don't have the path where the company will pay as they no longer exist.


I will look up my credit reports to see if anything has been applied by the card company.

hobbird

lr1277 wrote: »

Hi


In December 2018, I booked a 2 day stay at a UK hotel through superbreak.com.
In early August I learned superbreak had gone into adminisatration. Hotel only bookings would not be honoured nor could I claim through ABTA/ATOL. I was advised to contact my card company.


So after contacting my card company and being told about 2 ways to claim, which were incorrect, I was told about the correct way to claim (I hope). I submitted the claim on 12/08, sending my card company a modified template I found on the internet.


I have not heard from my card company. How long should I leave it before contacting them again? 4 weeks, 8 weeks or some other timescale?


Any other advice you can give on section 75 claims would be great.


Many thanks in advance.

There was an MSE article about this recently.

Sorry I can't post links it seems, but the MSE article was written on 02 August 2019.

It seems to suggest there may be a possibility the hotel booking may be honoured, or at worst, the hotel will ask you to pay again.

If you are asked to pay again, then the MSE article says you should make a chargeback if you paid by plastic.

I've never experienced any issue with getting a refund from my credit card provider where it can be proved I nevber received the goods or services paid for. All it needed was a simple phone call ... and perhaps up to a couple of weeks whilst the card provider investigated and re-credited the account. Where a delay was experienced, the card provider was always willing to suspend the individual payment involved (maening there would be no attempt to collect it, nor that it would attract interest) pending the credit card provider's investigation and resolution/decision.

Legal action against your card provider should only be considered as a matter of last resort. i.e. when all other attempts to resolve the complaint have failed.

eco_warrior

lr1277 wrote: »

Hi


In December 2018, I booked a 2 day stay at a UK hotel through superbreak.com.
In early August I learned superbreak had gone into adminisatration. Hotel only bookings would not be honoured nor could I claim through ABTA/ATOL. I was advised to contact my card company.


So after contacting my card company and being told about 2 ways to claim, which were incorrect, I was told about the correct way to claim (I hope). I submitted the claim on 12/08, sending my card company a modified template I found on the internet.


I have not heard from my card company. How long should I leave it before contacting them again? 4 weeks, 8 weeks or some other timescale?


Any other advice you can give on section 75 claims would be great.


Many thanks in advance.

Chargebacks and Section 75 claims do not have set timeframes like a complaint does (8 weeks). Each bank/card issuer will probably have their own internal SLA's.


Superbreaks claims can all be disputed via chargeback, providing the entire purchase was made by card (many customers used vouchers which may have been gifts - S75 will usually cover the value of these).

In short, give your card issuer a call.

lr1277

Thanks for the info folks.


What is a chargeback? How does it compare to a section 75 claim?


Thanks again.


PS: Hobbird would you be willing to reveal the card provider who gives you such prompt service?

eskbanker

lr1277 wrote: »

What is a chargeback? How does it compare to a section 75 claim?

Chargeback is explained at https://www.moneysavingexpert.com/shopping/visa-mastercard-chargeback/, which includes a section comparing it with s75....

eco_warrior

eskbanker wrote: »

Chargeback is explained at https://www.moneysavingexpert.com/shopping/visa-mastercard-chargeback/, which includes a section comparing it with s75....

MSE could really do with correcting that article. It littered with inaccuracies. In my opinion of course.

born_again

eco_warrior wrote: »

Chargebacks and Section 75 claims do not have set timeframes like a complaint does (8 weeks). Each bank/card issuer will probably have their own internal SLA's.

In short, give your card issuer a call.

Visa chargebacks do have a timescale.
120 days from purchase, or in the case of a future event (such as this) 120 days from event up to a max of 540 days from debit.
S75 is pretty much 6 years, but in some cases will be looked at if past 6 years.

Call your card provider. Odds on they are waiting till after the date of travel before starting the chargeback.

eco_warrior

born_again wrote: »

Visa chargebacks do have a timescale.
120 days from purchase, or in the case of a future event (such as this) 120 days from event up to a max of 540 days from debit.
S75 is pretty much 6 years, but in some cases will be looked at if past 6 years.

Call your card provider. Odds on they are waiting till after the date of travel before starting the chargeback.

I was meaning for the bank to respond