CEL

iTrader: (1)

I don't expect there will be too many people on here that were affected by this. But, if anyone else was, have you got your money back yet?

They went under 5th August this year, my claim form was sent via email and post on the 6th. It appears they have farmed out a lot of these claims to 3rd parties to deal with.

Iv'e had a couple of letters from them, first to acknowledge the claim had been received, a good few weeks after the claim was submitted I would like to add, and then another one on the 19th September stating they need more information from the travel agent and it would "as stated before, take 4-6 weeks to process". I had already sent sent EVERY piece of relevant or otherwise information requested on the claim form via email and post on the 6th August.

Nearly 4 weeks over the stated time scale and still nothing. The more time it takes these jokers to process the claim the more interest I'm paying on my credit card balance.

I have sent an email to ATOL but the supplied email address for this type of claim just sends you an automatic delivery failure email back

The 3rd part dealing with the claims is obviously unable to cope with the workload they have taken on.

I don't see any options to complain to the CAA.....so at a loss really as what to do next. I'm out of pocket by nearly £1k and want it back soon as.

Grateful of anyone else's experiences/advise with the same issue.

Chris

davyboy

Why don't you pay your credit card bill?

CEL

iTrader: (1)

Have you ever tried to get YOUR money back from a credit card account before? the whole concept of having credit in a credit card account seems to be a bit a dilema.

I didn't expect it to take anywhere near this long. The tool at the travel agent told me 30 - 60 days...... it has exceed that somewhat.

But, if you have a spare grand knocking about and wish to pay it off for me until I receive the money back...........?

PaulC72

if you paid on your credit card what are they doing to help given the protection CC companies usually offer?

+1 on paying the CC bill too.

CEL

iTrader: (1)

Nothing, because I have not approached them. Iv'e already claimed for the money back from ATOL so claiming again from the CC company would be fraud I'm thinking.

I'm starting to think that I'm the only one that doesn’t have a spare £1000 laying around.

jasey

I paid by credit card. Is there any protection here?
If your package holiday or flight is ATOL protected then you are due a refund from the CAA under the ATOL scheme.
However, if you paid for your booking on a credit card and the total cost of the booking was more than £100, then you are equally entitled to pursue a refund from your credit card company.
This applies even if you only paid part of the cost of the booking on your credit card – as little as a penny, for example. As long as the total booking was more than £100, no matter how much or how little of this you paid on your credit card, you can seek a refund of the whole amount from your credit card issuer.
The CAA advise that if you paid by credit card you should pursue a refund from your card issuer in the first instance.
Make it clear that you are asking for a refund under Section 75 of the Consumer Credit Act 1974.


Read more: http://www.confused.com/travel-insur...#ixzz1e0IM7vMy

davyboy

Surely you would have paid for the holiday at some point? I'd not be paying interest on something I might not get back.

Seriously, in this day and age I'd think people would be wise to have at last 1 year of motprtgage payments saved up, if not 2.

CEL

iTrader: (1)

daveyboy,

Of course I would. Apologies, I failed to mention that as a result of Holidays4U going under we were faced with few options. Either pay double the original cost for flights alone or look for another holiday. We opted to look for another holiday.

Inevitably, the 'other' holiday ended up on the credit card. We had allowed for repaying the cost of the original holiday which we have done. But there is the outstanding cost of the flights which were not in the calculations.

I agree that people should have enough to cover thier mortgage for a while in an emergency situation, and given the choice I certainly would. But, please tell me which kind of occupation rewards that sort of salary these days.

davyboy

I don't think occupation comes in to it. Just sensible spending.

CEL

iTrader: (1)

jasey,

Very interesting. To be honest, it didn't even occur to me to approach the credit card company. I have been a victim of credit card fraud twice, as I suspect many other people have. I would expect them to be responsible for this as it is a security issue and not usually the customers fault.

However, I wouldn’t and didn’t expect credit card companies to cover other companies failings and compensate the customers as a direct result.

I’ll phone the credit card people tomorrow and get their views on it.

hodgy0_2

then you have been very badly advised as that is exactly how it works

the actual sales contract is between the CC company and Holidaysforu

if you paid by CC and did not recieve the goods or service spk to your CC company if certain basic conditions are met then you should be reimbursed by the CC company, they then pursue the holiday company - not you

CEL

iTrader: (1)

davyboy,

Seriously, c'mon. Without detracting from the thread topic. There are few people out there that simply adjust their spending to be able to save enough to pay the mortgage for 2 years.

Most people I know have done everything to reduce their spending, but salaries (generally) have not increased for years or worse still been cut by up to 50%. That’s assuming you can keep your job. I am of course talking about the private sector in construction.

If you are in the public sector however the worst thing you have to bitch about is how much you could loose from your MASSIVE pension.

CEL

iTrader: (1)

The problem is. I don’t think I have ever been advised. Either that or I’ve chosen not to listen or didn’t read the small print (seriously how many people do that?)
This is the very reason I posted on here. I was 100% sure… as usually is the case, there would be some good advise.

hodgy0_2

http://www.fco.gov.uk/en/travel-and-...ard-protection

this is the relevant part of the consumer credit act

Credit Cards – Section 75
Section 75 of the Consumer Credit Act imposes equal liability on the creditor for breaches by the supplier. In other words, if the company you are buying from goes bust or disappears, or if the goods turn out to be faulty and you can’t get recompense from that company, the credit card company shares responsibility to refund you for the entire amount. However, it is important to remember that this is the case only for amounts between £100 and £30,000.

]

coupe_20vt

iTrader: (2)

I was booked to fly to Turkey with them. They went bust 10 days before we were due to fly out.

I re-booked flights with Monarch and holidayed as planned.

Before we left the UK I spoke to Barclaycard (who I'd used to pay for the flights), I then sent them all the documentation regarding the bookings and costs, my credit card was credited with the amount owed to me by the time I got back from my holiday.

Simples.

I don't know why you're dealing with anyone other than your credit card company

Scooby Soon!

how can you not know that you are covered by your credit card???? Ring them up they freeze the interest and credit the amount after you sign a statement,

also I presume you would have still been paying the interest on the card if you did go on holiday?

coupe_20vt

iTrader: (2)

He IS covered.

All he has to do is talk to them.

CEL

iTrader: (1)

How can I know that I'm covered?

Perahaps Im not up to speed on what and who you can claim from, because I dont necessarily believe in that culture.

CEL

iTrader: (1)

It seems that for once the time taken to type out a strong but polite email has actually had an effect.

I had a call today from the company dealing with the claim to say the money would be refunded into my account by the end of next week.

Chris