Chargeback Query

kuepper

Forgot to add I phoned them up the next morning and asked for my positive credit card balance to be transferred to a current account and the money was there 30 mins later when I checked! So all done within 24 hours

T8000

Just browsing HSBC's website an apparently you are unable to claim on S75 if they offer you a credit voucher? Is this correct?

If the supplier offers you the ability to re-book or a credit voucher, you will not be able to raise a dispute or claim under Section 75 unless this is in breach of the supplier’s terms and conditions.

https://www.hsbc.co.uk/credit-cards/what-can-you-claim-section-75/

Limechase

T8000 said:

Just browsing HSBC's website an apparently you are unable to claim on S75 if they offer you a credit voucher? Is this correct?

If the supplier offers you the ability to re-book or a credit voucher, you will not be able to raise a dispute or claim under Section 75 unless this is in breach of the supplier’s terms and conditions.

https://www.hsbc.co.uk/credit-cards/what-can-you-claim-section-75/

I have been offered a credit voucher towards a ski pass for next year, only 80% of what I paid this year, and I am trying to claim a section 75, would that be reasonable?

Life__Goes__On

T8000 said:

Just browsing HSBC's website an apparently you are unable to claim on S75 if they offer you a credit voucher? Is this correct?

If the supplier offers you the ability to re-book or a credit voucher, you will not be able to raise a dispute or claim under Section 75 unless this is in breach of the supplier’s terms and conditions.

https://www.hsbc.co.uk/credit-cards/what-can-you-claim-section-75/

You do not have to accept a refund voucher even if it's in their T&Cs as  legally you are entitled to cash and no companies T&Cs usurp the law.

EDIT
https://www.ukfinance.org.uk/faqs-chargeback-rights-and-section-75-and-coronavirus
"If you have rejected a replacement or a voucher/credit and have asked for but do not receive a refund, you may have a chargeback claim or a claim under Section 75 as the travel provider will have failed to provide you with the services / accommodation you contracted and paid for."

T8000

Life__Goes__On said:

T8000 said:

Just browsing HSBC's website an apparently you are unable to claim on S75 if they offer you a credit voucher? Is this correct?

If the supplier offers you the ability to re-book or a credit voucher, you will not be able to raise a dispute or claim under Section 75 unless this is in breach of the supplier’s terms and conditions.

https://www.hsbc.co.uk/credit-cards/what-can-you-claim-section-75/

You do not have to accept a refund voucher even if it's in their T&Cs as  legally you are entitled to cash and no companies T&Cs usurp the law.

EDIT
https://www.ukfinance.org.uk/faqs-chargeback-rights-and-section-75-and-coronavirus
"If you have rejected a replacement or a voucher/credit and have asked for but do not receive a refund, you may have a chargeback claim or a claim under Section 75 as the travel provider will have failed to provide you with the services / accommodation you contracted and paid for."

Hmm do you think HSBC are trying to shirk responsibility?

Life__Goes__On

T8000 said:

Life__Goes__On said:

T8000 said:

Just browsing HSBC's website an apparently you are unable to claim on S75 if they offer you a credit voucher? Is this correct?

If the supplier offers you the ability to re-book or a credit voucher, you will not be able to raise a dispute or claim under Section 75 unless this is in breach of the supplier’s terms and conditions.

https://www.hsbc.co.uk/credit-cards/what-can-you-claim-section-75/

You do not have to accept a refund voucher even if it's in their T&Cs as  legally you are entitled to cash and no companies T&Cs usurp the law.

EDIT
https://www.ukfinance.org.uk/faqs-chargeback-rights-and-section-75-and-coronavirus
"If you have rejected a replacement or a voucher/credit and have asked for but do not receive a refund, you may have a chargeback claim or a claim under Section 75 as the travel provider will have failed to provide you with the services / accommodation you contracted and paid for."

Hmm do you think HSBC are trying to shirk responsibility?

Totally

https://www.ft.com/content/3b8f4825-1e0f-4afe-9d60-21b4cf7d4fc4
Visa and Mastercard recently issued guidance to Which?, the consumer body, stating that customers should be able to pursue a claim for a cash refund against a disputed transaction on a debit card, even if they had been offered a voucher. However, this would change if the government issued regulations saying that businesses can provide vouchers instead of refunds.

bobblebob

I paid my balance off in March so does the 120 days start from then, or from when the holiday was due to start (yesterday)?
Although the holiday is cancelled, ive not recieved any documentation to show this yet to take to my bank.

Life__Goes__On

bobblebob said:

I paid my balance off in March so does the 120 days start from then, or from when the holiday was due to start (yesterday)?
Although the holiday is cancelled, ive not recieved any documentation to show this yet to take to my bank.

Either date, so for you date of holiday.

kuepper

T8000 said:

Just browsing HSBC's website an apparently you are unable to claim on S75 if they offer you a credit voucher? Is this correct?

If the supplier offers you the ability to re-book or a credit voucher, you will not be able to raise a dispute or claim under Section 75 unless this is in breach of the supplier’s terms and conditions.

https://www.hsbc.co.uk/credit-cards/what-can-you-claim-section-75/

I didn't claim under s75, it was under Chargeback