Refund under Section 75

In December 2019 I paid a deposit of £198 to a holiday agent for accommodation In September 2020. They have now told me that the accommodation is no longer available and I will have to wait for them to recover the deposit from the owner before they can repay me. As the owner was obviously having financial problems and is looking to sell the property I fear it may be a long wait.
I did not notice this clause in their conditions.
"Unique Cottages is a trading name of Ecosse Unique Limited. The company is registered in Scotland, no. SC 150813. The registered address is Thorncroft, Monksford Road, Newtown St Boswells, Roxburghshire TD6 0SB. Parties applying to rent properties are referred to as 'the Clients' until the commencement of their let when they are referred to as 'the Tenants'. Ecosse Unique, referred to as 'the Agent', will act only as agent for the owners of the properties, 'the Owners'. Contracts to let the property are therefore between the Owners of the property and the Clients/Tenants, and the Agent acts solely on behalf of the Owners. These terms set out the terms of the contract between the Clients/Tenants and the Owners, and the contractual rights and obligations between the Clients/Tenants and the Agent."
Do I have any redress against them or the owner to recover the full cost of the holiday under Section 75 of the Consumer credit act ?
Les Booth


  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    First Anniversary Photogenic Name Dropper First Post
    edited 3 August 2020 at 6:16PM
    Section 75 would not be against the owner or company, but against your credit card.

    However, a chargeback would be a quicker and easier route.
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