Need guidance on refund from Credit Card company over missold Hotel booking.

born_again

Charsiu said:

born_again said:

As this is a chargeback & card regulations, there is nothing Fos can do. 
Yes, raise a complaint, might get a bit of goodwill from the bank.

Using email is a unsecure method. Hence post being used.

Their response letter was dated 11 November, by the time I retrieved the letter I replied by email by 11 December, I think this is still within the time limits of the MC guidelines (which I know the credit card company doesn't have to align with) so they could have continued with the case, but did not due to internal process - I intend to raise this with the FOS once I have their final response letter.

If company rejected the chargeback, then CC has a max of 28 days to respond to contest the contest. It's a pre arbitration & then Visa/Mastercard sit as Judge & jury on the case. 
So no you were not in the timescale. Sorry.

Your CC do have to align with card providers regulations & timescales. It is part of  the agreement they & retailers sign up to. 

MattMattMattUK

Charsiu said:

MattMattMattUK said:

Charsiu said:

born_again said:

As this is a chargeback & card regulations, there is nothing Fos can do. 
Yes, raise a complaint, might get a bit of goodwill from the bank.

Using email is a unsecure method. Hence post being used.

Their response letter was dated 11 November, by the time I retrieved the letter I replied by email by 11 December, I think this is still within the time limits of the MC guidelines (which I know the credit card company doesn't have to align with) so they could have continued with the case, but did not due to internal process - I intend to raise this with the FOS once I have their final response letter.

On what basis? Chargeback is not covered by the FOS.

The chargeback (with Mastercard) is done and dusted as it's closed. The FOS complaint would be for the credit card company's handling of the case; it's a clutch at straws, sure, but I have already lost a grand already as it stands.

The thing is you need actual grounds, a rational, legislation backed reason why the card company should pay you out of their own pocked as otherwise you are just wasting everyone else's time and money. 

If you are going to do anything then send Prestigia an LBA, get a CCJ, register it in Gibraltar and then enforce it (which is actually not that difficult against a company based in Gibraltar), anything else is just wasting other people's time and money.