Unrequested with drawls from my credit card! 22 June 2020 at 3:52PM in Stoozing: free cash from credit cards 8 replies 281 views

TUVOK

I am presently in dispute with TUI re a holiday that I cancelled.
They are asking for a cancellation fee which I do not agree with. 
When this problem first arose, I decided to contact my credit card company, request that they did not pay any monies to TUI via a request from them, and to issue me a new card which they have done.
My concern now is whether TUI can request money from my credit card company as they have my old details and I have seen other companies being able to debit my credit card with my permission. They seem to be able to do this without the need for myself giving my new details.
Any help on this query would be much appreciated.
Thank you for any/all replies.

zx81

Changing the card won't prevent any previously authorised payments.

You instruction to not make the payment may hold some weight, but TUI will be able to demonstrate the validity of the payment.

It will be cheaper for you to just allow the payment.

TUVOK

Thank you for your reply.
That is a worrying statement re that a company can extract money from your credit card if they can show validity.
I would think that most people would have thought that unless they allowed it? it would not happen.
I know about "continuous" payments on car/house Ins which are rising fast, but if you correct? I hope that more people read threads/info like this to make them aware.

SuperAllyB

You need to sort out whether or not the cancellation fee is due or not, depending on the T&C's you agreed to when you booked the holiday. If you cancelled the holiday rather than waiting for them to cancel it there is a good chance that they're correct.

Preventing the CC payment won't just make the debt go away.

zx81

TUVOK said:

Thank you for your reply.
That is a worrying statement re that a company can extract money from your credit card if they can show validity.
I would think that most people would have thought that unless they allowed it? it would not happen.
I know about "continuous" payments on car/house Ins which are rising fast, but if you correct? I hope that more people read threads/info like this to make them aware.

It would be worrying if they could take a payment WITHOUT validity.

Validity would mean you have allowed it - ie within the context of the contract.  People generally misunderstand the concept of consent.

superbigal

You book a low cost deposit that has conditions attached with TUI.  You cancel then the "REAL" deposit becomes due.

TUVOK

superbigal said:

You book a low cost deposit that has conditions attached with TUI.  You cancel then the "REAL" deposit becomes due.

This is it exactly!
Tui stated and asked for a deposit of £100-00, now they say the online discount is part of the deposit to the tune of £400-00.
I just wish that our government would come down on these business practices, they are just shady and not morally fit for citizens who get continually caught out by companies such as Tui.

nyermen

Could be that TUI have something in their T&C that sets things up as a CPA (Continuous payment authority). No reason for it, but it wouldn't surprise me.  In that case, they would be able to charge the new card anyway (how Im not clear on - unsure whether its re-routed by the bank, or the bank tells them).

Browntoa

TUVOK said:0

superbigal said:

You book a low cost deposit that has conditions attached with TUI.  You cancel then the "REAL" deposit becomes due.

This is it exactly!
Tui stated and asked for a deposit of £100-00, now they say the online discount is part of the deposit to the tune of £400-00.
I just wish that our government would come down on these business practices, they are just shady and not morally fit for citizens who get continually caught out by companies such as Tui.

It's not a "shady practice"  , TUI are perfectly clear about this during the booking (booked low deposit with them myself in the past ) .

You got "caught out" because you didn't fully read the information given to you , such as " pay low deposit now and pay balance of deposit on XXX date" or pay full deposit and then the balance 12 weeks before travel