Charge back refused

Highland76

Well said born_again

unforeseen

Side question. 
If a complaint is made to FOS and Natwest have to pay a case fee then if FOS dismiss the claim can Natwest seek to recover their case fee from the complainant? 

born_again

unforeseen said:

Side question. 
If a complaint is made to FOS and Natwest have to pay a case fee then if FOS dismiss the claim can Natwest seek to recover their case fee from the complainant? 

Never known it happen. But they could decline to have them as a customer if they wanted too. Again highly unlikely.

2e0arr

unforeseen said:

Side question. 
If a complaint is made to FOS and Natwest have to pay a case fee then if FOS dismiss the claim can Natwest seek to recover their case fee from the complainant? 

No they agree to the FO system

A_Lert

Disgusting behaviour from the hotel.

colinr77

Thanks for all your replies - will contact FOS on Monday as well as Natwest again 

born_again

colinr77 said:

Thanks for all your replies - will contact FOS on Monday as well as Natwest again 

Just to give you a heads up.
You need to complain to Natwest and let that runs it's course before you can take it to FOS.
But it might be worthwhile speaking to FOS 1st to see if it's going to be a pointless exercise, as it will l not be a quick process. 
Poss 8 weeks with Natwest, then how many months it takes FOS to look at it. With no certain result in your favour.
I wish you well.

eskbanker

colinr77 said:

Thanks for all your replies - will contact FOS on Monday as well as Natwest again 

colinr77 said:

The room was booked in my name - but terms & conditions of booking state the hotel would charge “the person responsible for the damage” & that the damage caused by “deliberate, negligent or reckless actions” I was the victim of a crime so was none of these things, any advice regarding the charge back would be appreciated- thanks in advance 

I hope this doesn't come across as unsympathetic but, despite the nature of the incident, my understanding is that strictly speaking you are responsible to the hotel for the costs of damage to a room booked in your name, even though it clearly wasn't your fault as such - the same would apply if, for example, your ex-partner had thrown the TV out of the window.

Personally I can't see that it would be appropriate for either the hotel or your bank to be expected to pick up the tab for this damage (or to be seeking recovery from a third party they have no contract with) - there's nothing to stop you trying a complaint to FOS, but I'd have thought that the most productive angle would be to seek to hold your ex-partner liable for your additional costs via the courts, potentially with support from the police (are charges being pressed?).

However, I'm the first to admit that I'm not a lawyer, so it might be worth getting some advice either from Citizens Advice or from equivalent forums to this one....

D_M_E

WShile it will not help the OP, why did the hotel have a brand new carpet fitted without an allowance for wear and tear, age etc of the old carpet?

2e0arr

Create your complaint in a letter form to Nat West however telephone the fos and ask them to send it to Nat west after you have emailled it to the FOS, on your behalf.
The FOS will tell you that Natwest have upto 8 weeks to send you a resolution. If you disagree with the resolution  you can then present your complaint and their resolution to the FOS for adjudication.
This works better than complaining direct to a bank. They respond better to an email in their inbox from the FOS. The bank will know the FOS will have told you that win or lose the bank will have to pay £550 case fee and you pay nothing. Do it you have nothing to lose.