What to do if you've been affected by the XL collapse

Gaia_Angel · 14 September 2008 at 3:46PM

irvipj wrote: »

agosto,
Thanks for your help on this but from what I can see I'm only eligible to claim a chargeback as the debit card is not covered under sec 75 of the cca, unless anyone else out there knows different?
regards
Peter

Peter if it is a VISA Debit card you are covered via the Visa name for chargeback. You may face problems with the bank and especially with call back centers don't take no for an answer.

http://forums.moneysavingexpert.com/showthread.html?t=1149449&highlight=Seguro. My experience with the Halifax/Bank of Scotland and some useful links to print out and take into your bank are here. You will also need confirmation of your booking, and location where the company is based. Your bank should fill in the form for you on the spot. Other forms of Debit card I am not sure about at all sorry.

Good luck

roddydogs · 15 September 2008 at 7:15AM

So the VISA debit card is as good as a Credit Card for this situation?

marialou · 15 September 2008 at 10:34AM

Hi my parents have a holiday booked with global travel plc, to go on Thur but have received no travel documents. Flights with Ryanair they have rung but either cant get through or eventually got a lady who said everyone was busy due to XL any ideas how this affects my parents whose holiday doesnt appear to be anything to do with XL but they cant get their tickets

agosto · 15 September 2008 at 10:37AM

roddydogs wrote: »

So the VISA debit card is as good as a Credit Card for this situation?

As far as I am aware, No.

The credit card will get you not just a refund, but also like for like flights. (as you paid for a service, which you are still entitled to have).

A debit card will get you a refund via the cash back system. (as you have not had the service you have paid for)

trisha · 15 September 2008 at 10:43AM

My son has just booked a flight with Xl using Visa Connect, is this actually a debit card? he told me it wasn't either debit or credit, but it comes out of his account directly.

Is he covered for a refund ?

Trisha

annjack · 15 September 2008 at 11:03AM

SJM2468 wrote: »

I am the same, fly on the 22/10 and Abbey Credit Card have said they will not issue a refund until that date as another carrier may take over. So, that means I cannot risk booking other flights as Abbey will not pay out if someone takes the flight over - I could be left having forked out for two lots of flights. Also, my accomm - I have paid deposit and they want the balance - if I cancel it and lose the deposit I may be without accomm if another carrier takes over but if they do not take over I have paid for accomm I have no flight to get to - what does Abbey expect me to do?

NEVER BEEN ON THIS FORUM BEFORE WE ARE IN SAME BOAT AS THIS FLIGHTS TO EYGPT ACCOMMODATION DEPOSIT PAID. FIRST DIRECT SAY THEY WONT LOOK AT REFUND UNTIL PAST DATE OF FLIGHT WHICH MEANS WE CANT AFFORD TO BOOK ANOTHER HOLIDAY I THOUGHT SECT 75 COVERED COMPANY GOING BUST. FIRST DIRECT MUST BE AWARE THERE IS NO MIRICLE GOING TO HAPPEN NO FLIGHTS VIA XL ARE GOING ANYWHERE WHY THE WAIT?

annjack · 15 September 2008 at 11:13AM

Hi First Direct CREDIT CARD Say The Same Wont Even Look At Refund Until After Flight Date Which Is December. Can They Do This I Am Awaiting Guidance From Martin Come On Martin Where Are You When We Need Your Experise.

Gaia_Angel · 15 September 2008 at 1:38PM

roddydogs wrote: »

So the VISA debit card is as good as a Credit Card for this situation?

Nope definitely not as good as roddydogs and personally I have learnt my lesson and will always use a credit card for such things in the future as what your rights are is much clearer and written down.

That said you should have some comeback and chargeback is definitely worthwhile pursuing even if your bank initially turns you down.

trisha wrote: »

My son has just booked a flight with Xl using Visa Connect, is this actually a debit card? he told me it wasn't either debit or credit, but it comes out of his account directly.

Is he covered for a refund ?

Trisha

If it comes off your account directly is that not a debit card? Would definitely be worthwhile looking into.

JOHNSTON24 · 15 September 2008 at 2:13PM

My credit card company (MBNA) are refusing to refund the money for my flights until after the date of the flights which is 14th June - 21st June 2009. I have contacted Consumer Direct who advised me that there is no way of quickening up the process. If the credit card company tell me that they will refund after the date of my flights I cannot do anything about it. Also I spoke to the Financial Ombudsmen and they advise me that I am only entitled to the money I paid back for the flights and nothing else even though if I was to pay for new flights the cost is now around £170 more expensive.

agosto · 15 September 2008 at 4:05PM

Consumer Credit Act 1974

Quote
''If you buy something on credit (for example, on a credit card or finance arranged by the retailer) Section 75 of this Act makes your credit company jointly liable, with the company you’re buying from, for any breaches of contract or misrepresentations.''In other words xl and your credit card company are jointly liable since there is a clear breach of contract.. Since xl can't pay you, your credit card company has to. It is the law.

Also, taken from http://www.bbc.co.uk/consumer/guides_to/credit_liability.shtml

''state in the letter that you'll be withholding an appropriate sum (by way of compensation) from your credit card account and that you shouldn't be charged interest on that sum.''
In other words, the amount you paid for your flights should go into limbo until it is sorted out.

''At first you may get a negative response from the credit card company, but if you feel sure that you have a valid claim, stick to your guns!''
That is what the BBC site says.
As I have said previously, they have to compensate you with like for like flights. It is their duty. And they have to re-imburse you within a reasonable time.
Try searching on google, as there is a wealth of info.

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