Oasis airline in liquidation- what to do?

gareth800

i belive it applies to all visa debit cards just check with u bank they all have something similar but most important do it as a non fraudulent dispute transaction u can do it on most visa debit cards
i have alread got back part of my money i paid for my holiday over £200 from hk to bbk with cathay pafic i got a full refund of my ticket because of oasis not being able to get me there they were really good about the refund so at least not a total loss as i said i will get my money back one way or another

gareth800

and thanks for the advice tarepanda i did the same thing u will get u money dont worry it will take time either way u should get something back next time rather fly with a airline make sure that is a member of ATOL OR ABTA OR IATA it must say ATOL PROTECTED and u will get all u money back even if the company goes bust example have a look at flight center and at bottom of webpage u see the symbols of those i menton just for next time and dont fly without that sort of protection
i learnt my leason this time it not happen to me again i only found these things out after talking to my sister who got stranded when sudan airlines went bust few years back
thanks

mulmul

gareth800 wrote: »

i belive it applies to all visa debit cards just check with u bank they all have something similar but most important do it as a non fraudulent dispute transaction u can do it on most visa debit cards
i have alread got back part of my money i paid for my holiday over £200 from hk to bbk with cathay pafic i got a full refund of my ticket because of oasis not being able to get me there they were really good about the refund so at least not a total loss as i said i will get my money back one way or another

What about Maestro Debit Card? because Maestro is part of MasterCard

TarePanda

Sorry to disappoint, but I believe he chargeback scheme is only offered by Visa- but give it a try, you might find an alternative.
good luck

mulmul

Suicidal_Tendencies wrote: »

DEBIT CARD USERS

I can't believe none of you moneysavingexperts watched working lunch yesterday.

Anyway as if by fate there was a article about claiming back money off of VISA debit cards, citing the case of a MaxJet customer and someone who bought a bed from a company which went bust.

The only snag is that you can only claim chargeback on transactions within 120days. But at least for all those VISA debit card users who booked (i assume) in the last 120days it does confirm to me that you should get full refunds.

Anyway watch the piece on BBC Iplayer - its episode 11/04/2008 and the piece you want to listen to is 10min25secs into the episode
http://www.bbc.co.uk/iplayer/search/?q=working+lunch
(and as its on iplayer the programme will be removed in 7days)

hope u all get those claim forms in

Ian

very helpful show that is, also i think we should all write to working lunch about this hopefully the claim will speed up much faster:T:T

gareth800

thanks i did look at that show so now anybody who has a visa debit card with halifax just call them up and tell them u order flight tickets and oasis went bust which i dident recive the service or goods and tell them u want to chargeback this applies to all visa cards including debit cards and they will refund u the money if the operator dont know about the chargeback service ask to speak to a manager or supervisor who does and be nice it does help u should get a full refund watch that show very important give u idea i thanks and thanks that show saved my holiday thanks all

gareth800

Chargeback

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A chargeback is a reversal of a credit-card transaction, as viewed from the perspective of the merchant. It usually occurs when a consumer files a complaint with their bank or credit/debit card provider. This usually happens when a consumer discovers fraudulent transactions on their statement.
The bank will investigate complaints, and will "take back" the value of the original transaction, together with an additional fee (from $0 to $50 USD, depending on the bank/provider used) directly from the merchants account, unless the merchant can prove the transaction was legitimate.
Sometimes the consumer complaint is untrue, and their refund claim gets denied. In these situations, the merchant will sometimes still be charged processing fees.
The merchant loses the goods or services sold, the payment, the fees for processing the payment, any currency conversion commissions, and the chargeback penalty. For obvious reasons, many merchants take steps to avoid chargebacks - such as not accepting suspicious transactions. This may spawn collateral damage, where the merchant additionally loses legitimate sales by incorrectly blocking legitimate transactions.
There are other forms of credit reversals that may also be referred to as chargebacks listed below.
A retrieval request is a pre-chargeback and a request for information (RFI). This may also attract a fee. Some providers charge $10, and others do not refund this
URL="http://en.wikipedia.org/w/index.php?title=Chargeback&action=edit&section=1"][U][COLOR=#0066cc]edit[/COLOR][/U][/URL Reasons for chargeback

Most chargebacks are initiated by the cardholder, who may contact his/her card issuing bank regarding an inconsistency in his/her monthly credit card statement. This begins the dispute process that may eventually lead to a chargeback, and a reinstatement of credit to the cardholder's account.
One of the most common reasons for a chargeback is known as a fraudulent transaction. A credit card is used without the consent or proper authorization of the card holder. In most cases, a merchant is responsible for charges fraudulently imposed on a customer.
Chargebacks can also result from a customer dispute over credit. This type of chargeback is usually described as credit not processed. A customer may have returned merchandise to a merchant in return for credit, but credit was never posted to the account. In this example, the merchant is responsible for issuing credit to its customer, and would be charged back.
Other types of chargebacks are related to technical problems between the merchant and the issuing bank, whereby a customer was charged twice for a single transaction (duplicate processing) or other various mistakes. Yet other chargebacks are related to the authorization process of a credit card transaction, for example, if a transaction is declined by its issuing bank and the account is still charged.
Another reason for chargebacks are when a customer does not receive the item they paid for. In this case, a chargeback is initiated and the payment to the merchant is reversed.
List of reasons for a chargeback:

• Card holder requests a copy of the transaction receipt.
• Card holder did not authorize the transaction.
• Non-matching account number.
• Transaction was processed more than once.
• Transaction receipt was not imprinted.
• Refund not processed.
• No authorization.
• Customer never received merchandise/services.
• Card not used within valid expiration date.
• Services not rendered.
• Error in transaction amount.
• Transaction receipt is incorrect, incomplete, or illegible.
• Transaction processed for incorrect amount.
• Product different from what was described or promised.
• Counterfeit transaction.
• Transaction not processed within Visa or MasterCard time frames.
• Failure to obtain card-holder signature.
• Signature on the card was blank.
• Signature on receipt different from card.
• Card-holder claims merchant changed transaction amount without permission.
• Merchant knowingly participated in a fraudulent transaction.
• Incorrect Transaction Date.
• Card-holder claims invalid mail or telephone order transaction.
• Card-holder was denied ability to return item.
• Transaction was not canceled successfully.
• Card-holder not satisfied with quality of product or services.
• Debit-cardholder's bank initially approves a transaction, but subsequently returns the charge due to non-sufficient funds, an account closure, or the bank "locking" the card due to a subsequent unauthorized use, loss or theft of the card, or multiple unsuccessful attempts to use it at an ATM.

URL="http://en.wikipedia.org/w/index.php?title=Chargeback&action=edit&section=2"][U][COLOR=#0066cc]edit[/COLOR][/U][/URL Handling chargebacks

A merchant is billed for chargebacks as they occur, along with other fees and settlements associated with credit card acceptance. Because a merchant may be charged back in error, and because chargebacks may often involve complicated customer disputes, a chargeback may be appealed by the merchant. This process varies by credit card. If the chargeback is found to have been in error, a merchant will be granted a reversal.
Thieves occasionally abuse the chargeback system. For example, in a "Friendly Fraud", an unscrupulous customer will make a purchase over the Internet with his own credit card and then issue a chargeback once the product or service is received. In such cases merchants can have difficulty recovering payment.
Chargeback processing (handling) is complex as a result of frequent rule changes by the major credit card companies (MasterCard, Visa, American Express, etc.). There is an emerging market for business software that simplifies the chargeback process as well as separate chargeback processing services.
It is possible for the chargeback and associated fee to cause an overdraft or leave insufficient funds to cover a subsequent withdrawal or debit from the merchant's account that received the chargeback. This could cause pending checks to be returned due to non-sufficient funds. Unless the merchant detects the chargeback in time to cover pending debits, a snowballing effect of penalties assessed could result.
Credit card companies require that for internet purchases, when the items are delivered, the cardholder must sign in their name and other names like roommates or family members do not count. Without the cardholder's own signature, it is not counted as delivered.
Address verification also provides protection by partially verifying the cardholder's address, however the cardholder's signature is most important.

URL="http://en.wikipedia.org/w/index.php?title=Chargeback&action=edit&section=3"][U][COLOR=#0066cc]edit[/COLOR][/U][/URL Other types of chargebacks

Accounts may also incur credit reversals in other forms, such as these:

• ATM reversal - An ATM deposit envelope is found to have less funds than represented (if any) and a chargeback is made to correct the error. This could result due to a counting error or intentional fraud by the account holder, or the envelope or its contents could have been lost or stolen. If an overdraft results and is too huge or cannot be covered in a quite short period of time, the bank will sue or press criminal charges, unless the account holder has been the victim of the latter scenario, identity theft, or other fraud, and files a sworn police report.
• Bank error correction - A bank error credits the account with more funds than intended and makes a chargeback to correct the error. If an overdraft results and it cannot be covered in time, the bank could sue or press criminal charges.
• Direct deposit chargeback - A direct deposit is made to the wrong account holder or in a greater amount than intended and a chargeback is made to correct the error.
• Returned check deposit - The account holder deposits a check or money order and the deposited item is returned due to NSF, a closed account, or being discovered to be counterfeit, stolen, altered, or forged. This could occur due to a deposited item that he knows to be bad, or he could be a victim of a bad check or a counterfeit check scam. If an overdraft results and it is too huge or cannot be covered in a short period of time, the bank could sue or even press criminal charges
• i thought that might clear things up
• it applies to all visa and debit cards

mgtsol

Lots of people have mentioned Visa debit cards with regards to chargeback but from this guide on MSE it seems like Mastercard also have a chargeback policy for their debit cards - this looks like a good option for myself as I paid with a Mastercard charge card. There was also another poster who was asking about what they could do if they paid with a Maestro (Mastercard?) debit card.

[FONT=Arial, Helvetica, sans-serif]What about Debit Cards?

[FONT=Arial, Helvetica, sans-serif]There is no statutory protection, but both Visa and Mastercard allow their member banks a dispute proceedure called 'chargeback'. This effectively allows your bank to ask the bank of the company you made the purchase from to get the money back.

[FONT=Arial, Helvetica, sans-serif]How chargeback works[/FONT]

[FONT=Arial, Helvetica, sans-serif]Complain to your bank not more than 120 days after realising your goods won't be delivered and the transaction can be disputed. Your card issuer can then claim the money back off the merchant's bank. It's worth noting many bank staff don't know about this procedure, so you may need to explain it do them (also remember this is only for Visa or Mastercard Debit cards).[/FONT]
[FONT=Arial, Helvetica, sans-serif]At this point the onus is on the acquirer bank (ie not the company but its bank) to get the money back in a transaction that hasn't been adequately completed. [/FONT]

[/FONT][/FONT]

mulmul

mgtsol wrote: »

Lots of people have mentioned Visa debit cards with regards to chargeback but from this guide on MSE it seems like Mastercard also have a chargeback policy for their debit cards - this looks like a good option for myself as I paid with a Mastercard charge card. There was also another poster who was asking about what they could do if they paid with a Maestro (Mastercard?) debit card.

that exactly what i have read before, think i am gonna have to personally go into my branch and talk to them

paris123_2

Hi Everybody,

Just got a letter from Egg today - a warning more than anything - they've sent me a claim form with "I confirm that I've tried to resolve this claim directly with the retailer or with the retailer's liquidator but have had no success" as one of the conditions. As people have pointed out this is in fact wrong, as you are able to hold either Oasis or the CC company or both liable.
I'm not going to send this back instead write a claim letter with all new flights etc. Anyone else heard anything else from their companies?