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Section 75 does not apply to booking.com?
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Phil_m
Posts: 3 Newbie
in Credit cards
I had a poor experience with a London apartment booked via booking.com. The apartment’s internet was not working which also meant the TV did not work. The apartment management company refused to offer any compensation so I have tried to make a claim via section 75 through my credit card provider. This morning I received a letter from the credit card company stating they could not proceed. They state that any claim must have a debtor, creditor relationship in place. The retailer is the apartment management company however payment is processed by booking.com. This means the debtor, creditor, and supplier link is broken and therefore section 75 does not apply.
If this is correct you have no protection from the credit card company when using booking.com. This does not seem right to me, any thoughts?
If this is correct you have no protection from the credit card company when using booking.com. This does not seem right to me, any thoughts?
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Sounds bizarre to me. I'd be eager to go the complaint route, exhaust that with your lender then see what the ombudsman have to say in the matter. Never heard of this as a requirement for a claim.0
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Perksy5 said:Sounds bizarre to me....Never heard of this as a requirement for a claim.Really? IMHO, what's really bizarre is the s75 itself. Hardly a surprise that CC companies use every possible excuse for rejecting claims.MSE: What does Section 75 cover?
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I think they're right, see https://www.moneysavingexpert.com/reclaim/section75-protect-your-purchases/ and the example of buying a ticket from a travel agent, I'd guess buying a hotel room would be similar. Usually, booking.com don't process the payment but they do sometimes, i giuess it'd be different if the hotel had processed the payment.But have you tried complaing to booking.com, they quite often resolve this sort of issue.0
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Phil_m said:I had a poor experience with a London apartment booked via booking.com. The apartment’s internet was not working which also meant the TV did not work. The apartment management company refused to offer any compensation so I have tried to make a claim via section 75 through my credit card provider. This morning I received a letter from the credit card company stating they could not proceed. They state that any claim must have a debtor, creditor relationship in place. The retailer is the apartment management company however payment is processed by booking.com. This means the debtor, creditor, and supplier link is broken and therefore section 75 does not apply.
If this is correct you have no protection from the credit card company when using booking.com. This does not seem right to me, any thoughts?
Booking do have a complaints procedure and they can be helpful and reasonable, although how much they will think is reasonable to discount accommodation because the free WiFi did not work is anyone's guess.1 -
Phil_m said:I had a poor experience with a London apartment booked via booking.com. The apartment’s internet was not working which also meant the TV did not work. The apartment management company refused to offer any compensation so I have tried to make a claim via section 75 through my credit card provider. This morning I received a letter from the credit card company stating they could not proceed. They state that any claim must have a debtor, creditor relationship in place. The retailer is the apartment management company however payment is processed by booking.com. This means the debtor, creditor, and supplier link is broken and therefore section 75 does not apply.
If this is correct you have no protection from the credit card company when using booking.com. This does not seem right to me, any thoughts?
https://www.moneysavingexpert.com/reclaim/visa-mastercard-chargeback/
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Phil_m said:If this is correct you have no protection from the credit card company when using booking.com. This does not seem right to me, any thoughts?
As others have said, S75 is fundamentally an oddity in today credit based economy... the fact you get any protection at all is a free bonus even if its not as complete as you'd hoped.0 -
Not even something covered under S75.0
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MattMattMattUK said:Phil_m said:I had a poor experience with a London apartment booked via booking.com. The apartment’s internet was not working which also meant the TV did not work. The apartment management company refused to offer any compensation so I have tried to make a claim via section 75 through my credit card provider. This morning I received a letter from the credit card company stating they could not proceed. They state that any claim must have a debtor, creditor relationship in place. The retailer is the apartment management company however payment is processed by booking.com. This means the debtor, creditor, and supplier link is broken and therefore section 75 does not apply.
If this is correct you have no protection from the credit card company when using booking.com. This does not seem right to me, any thoughts?
Booking do have a complaints procedure and they can be helpful and reasonable, although how much they will think is reasonable to discount accommodation because the free WiFi did not work is anyone's guess.
You could try a chargeback or Small Claims route if you feel aggrieved.0
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