Timesharetalk

General Forums => Shark Alley => Topic started by: Boss Man on April 04, 2006, 21:21:11

Title: Credit Card refunds for overseas transactions
Post by: Boss Man on April 04, 2006, 21:21:11
Credit Card refunds for overseas transactions - New ruling March 06

On 22nd. March 2006 the Court of Appeal ruled that section 75 of the Consumer Credit Act 1974 applies to overseas as well as domestic transactions.

This should make it easier for UK consumers to obtain refunds from their Credit Card company in respect of Timeshare and Holiday Club transactions which go wrong. In turn it will almost certainly make the Credit Card issuers take much more care when authorising suppliers' accounts in the future.

Note that this relates only to CREDIT CARDS and not to debit cards or charge cards. Marketers will by now be aware of this and will therefore probably try to pressure buyers into using debit or charge cards, or to draw cash, in an attempt to avoid any charge-back. This should be avoided like the plague.

The Act says that:

Section 75(1) states that card issuers are jointly and severally liable for any misrepresentation or breach of contract in relation to a transaction with a cash price of £100 to £30,000 which is financed by an agreement regulated by the Consumer Credit Act 1974.

OFT advises:

. Thanks to the consumer protection of section 75, money that seemed lost on a credit card purchase can be claimed back
. If you pay by credit card you can claim your money back from the card company if the seller fails to honour the contract, or the item is faulty or if the seller wrongly describes it or if the supplier goes out of business
. You do not have to attempt to claim your money back from the seller first - the credit card company is individually liable
. If you are buying an item costing over £100 and you are asked for a deposit, consider paying the deposit by credit card
. You are not covered by section 75 if you use a debit or charge card.

Link to the Office of Fair Trading Press Release of 23rd  March 2006:- http://www.oft.gov.uk/News/Press+releases/2006/60-06.htm

Thanks to Oldbill for the heads-up on this
Title: Credit Card refunds for overseas transactions
Post by: DJAM on April 07, 2006, 21:15:20
Is there any time limit from when the payment was made? I was scammed in March 2005.
Title: Credit Card refunds for overseas transactions
Post by: OldBill on April 07, 2006, 23:50:19
The 1974 Act (unfortunately not available on line from HMSO) imposes joint and several liability upon the supplier and the provider of credit. This being the case, where there is a contract for supply, I presume that the usual six year period applies - leaving the credit card provider to carry the can on its own even if the supplier has gone out of business. This will commence at the point at which the supplier fails to supply or otherwise breaches the contract. If it came to Court action it is reasonable to assume that failure on the part of the consumer to proceed within a reasonable time of becoming aware of the breach could affect the outcome.

Note that the Consumer Credit Act 2006 became law only last week, and I haven't had time to read that one yet.
Title: Credit Card refunds for overseas transactions
Post by: OldBill on May 06, 2006, 17:13:03
Whole transaction may be covered even if only the deposit was paid by credit card

An article in "Accountancy" this month states:-
There is no need to claim against the foreign retailer. A claim may be made against the card issuer alone. Furthermore it is not necessary that the whole of the price of the goods or services should have been paid by use of a credit card; for example, if a consumer purchases an item with a cash price between £100 and £30,000 and is asked to pay a deposit, the transaction will be a protected one if the deposit is paid by using a credit card
Title: Credit Card refunds for overseas transactions
Post by: on June 02, 2006, 16:42:17
My wife was recently ripped off by HAB. I claimed under section 75(1) of the consumer credit act and have got my money back. Will the credit card companies stop them though????

Regards, John
Title: Credit Card refunds for overseas transactions
Post by: OldBill on June 24, 2006, 19:00:39
One or two posts around the web suggest that some companies are now becoming wise to this and pressing for payment by debit card, bank transfer or cash. Never use any of these methods as there is no protection under the Consumer Credit Act. Better yet - if it's a Holiday Club or an iffy reseller don't pay them at all.
Title: Credit Card refunds for overseas transactions
Post by: DJAM on September 25, 2006, 23:07:05
Old Bill

Thanks for the info. I contacted my credit card company asking them the process for making a claim now that the law had changed. They asked for the paperwork, which I duly sent. After an initial suggestion that I contact a solicitor, when I wrote back asking again for the procedure to make a claim, they credited my credit card. So, I have got my money back.
I am still bitter about being scammed by WTP who I expect are still trading.

Regards,

DJAM
Title: Credit Card refunds for overseas transactions
Post by: teideglow on January 18, 2007, 14:21:11
signed agreement in nov 2006 with interest free loan for petchey leisure points loan to come from clydesdale bank (introduced to us by petchey leisure) in form of credit card with a limit so we can make further purchases!!!! will this be subject to march 2006 ruling?
Title: Credit Card refunds for overseas transactions
Post by: OldBill on January 18, 2007, 17:44:08
I don't see why not - the criterion is the provision of credit, not who gave it, why, or the charging of interest. Whether you can make any claim does of course depend on the reasons for doing so.
Title: Credit Card refunds for overseas transactions
Post by: sensor on February 07, 2007, 01:17:58
Teideglow,
Did you, or are you in the process of pursuing this?
If so, please keep us informed.
Title: Credit Card refunds for overseas transactions
Post by: teideglow on February 18, 2007, 17:57:43
consumer direct advised write to clydesdale & petchey requesting reply in 7 working days. only responce is statement from clydesdale so back to consumer direct as contract has been breached.
Title: Credit Card refunds for overseas transactions
Post by: teideglow on April 09, 2007, 15:13:23
Clydesdale bank not answering letters - do not know if they are credit card or "Store card"- maybe different rules. Can anyone help please ? Trading standards have said it is above the level that they can help with !!!!!!! advised a solicitor. That could mean more money down the drain.
Title: Credit Card refunds for overseas transactions
Post by: Keitht on April 10, 2007, 14:53:56
quote:
Originally posted by teideglow

Clydesdale bank not answering letters - do not know if they are credit card or "Store card"- maybe different rules. Can anyone help please ? Trading standards have said it is above the level that they can help with !!!!!!! advised a solicitor. That could mean more money down the drain.



Would it be realistic to restrict the level of the claim to one at which TA or CA can assist?  What about going to the small claims court?  I understand much of this can now be done on-line.  Cost is minimal and if Clydesdale continue to ignore the situation you are likely to win by default.
Title: Credit Card refunds for overseas transactions
Post by: OldBill on April 10, 2007, 15:39:03
If you have been given credit the Act applies to the deal if between £100 and £30,000. The use or non-use of plastic is not relevant nor is its type. I am surprised that a bank is not answering letters. Try Special Delivery with a threat of action (including but not limited to saying that you will take it up with the Ombusdman - see below) if there is no response within seven days. "Small Claims" County Court procedure is for claims up to £5k but the full procedure is not complicated. I presume that you are claiming a known amount of money back. See this before proceeding -
www.hmcourts-service.gov.uk/courtfinder/forms/ex301_0406.pdf
Note that the Court will usually expect you to have made reasonable attempts to recover, including "Alternative dispute resolution" before using them. This could include contacting the Banking Ombudsman.
Title: Credit Card refunds for overseas transactions
Post by: teideglow on April 11, 2007, 11:47:18
Thanks for advice. I telephoned Clydesdale bank today and was told it is with their section 75 dealing with misselling and they were investigating my complaint with petchey leisure, and that i should get a reply within 5 to 7 days at the latest, so I will wait one week and if not satisfied i will contact banking omudsman. Man i spoke to reluctantly confirmed it is a "club card", but if it is still subject to march 2006 ruling then we should be ok.Many thanks, throughout all this your web site has been invaluble.
Title: Credit Card refunds for overseas transactions
Post by: on May 13, 2007, 19:11:25
Hi
I feel really stupid for the necessity to post this messgage. We were ripped off by a dodgy builder a few years ago to the tune of nearly 8k so you would assume that we would be a little more cautious now! Back in Janury we were contacted by Travel World Spain with the offer of selling out timeshare in Tenerife. A few weeks later they came back and said they had a buyer who was willing to offer 9k for the two weeks (which i found somewhat unbelievable!!). Well I guess you know what happened next - we stumped up 800 euros. The guy on the phone was really insistent about the payment date, I even had to phone my bank manager to let us pay out of uncleared funds (Even more stupid). I made the payment on my Lloyds debit card so I know I don't have a leg to stand on currently. I have a receipt for the transaction and a very homemade looking contract (which states 12 months). I think that I may need to write this one off to experience, but wanted to share this with other trusting souls out there in the hope that someone else will have the foresight to do a bit of reasearch first!!
Title: Credit Card refunds for overseas transactions
Post by: frankleach on May 24, 2007, 18:01:46
All highly interesting to someone trying tyo sell their timeshare, as I am. The latest "offer" received today from Dunstar Leisure and Travel (new to me??) says they need $900 deposit payable by CREDIT card, to secure a sale of £8k, with a six day get-out clause but a contract completion period of 8 to ten weeks. The company is based in Spain as usual. Can Bossman confirm that I would indeed be covered by the credit guarantee? Seems too easy to me?
Title: Credit Card refunds for overseas transactions
Post by: Keitht on May 24, 2007, 18:26:51
quote:
Originally posted by senseless

 I made the payment on my Lloyds debit card so I know I don't have a leg to stand on currently. I have a receipt for the transaction and a very homemade looking contract (which states 12 months). I think that I may need to write this one off to experience,


Lloyds Bank Credit Cards are Visa cards and you may well find that you are covered.  Contact your bank.  Explain what has happened and that you believe you have been part of a scam.  They almost certainly won't even consider paying out yet if the contract says 12 months, but you will have flagged the problem.  
What will probably happen next is that Travel World will come back to you saying they have another buyer but the offer price is a few hundred pounds.  Naturally you say No.  Travel World claim to have fulfilled their obligation and will refuse the refund.  It's a common scam.
If you get no help from the bank speak to your local Citizen's Advice.  It was on a totally different thing, but my brother had a situation where neither the bank nor the vendor would do anything to resolve a problem.  He went to CA who sent letters on his behalf.  Problem solved very quickly then!!
Title: Credit Card refunds for overseas transactions
Post by: frankleach on May 27, 2007, 17:15:53
Further to my message of 24th May, I accessed this site's report on Dunstar via Google. Must remember how to use the "Search" facility here! The existing reports cover it fully! I am so glad I found you!
Thanks.
Title: Credit Card refunds for overseas transactions
Post by: on May 27, 2007, 19:12:48
Thanks for your advice - I will speak to my bank. Funilly enough a couple of days after we stupidly made the transfer I had a meeting with my bank manager and told her all about the deal - She was really interested as a time share owner herself! hope she hasn't gone down the same road!!
[:D]
Title: Credit Card refunds for overseas transactions
Post by: on May 29, 2007, 11:54:50
Hello all, having just registered and a bit fingers and thumbs around the site can anyone assist further with a bit of advice for my parents who were unfortunately scammed by DWVC 4 years ago and now having attempted unsuccessfuly to reclaim their 10k from Reclaim Ltd have found themselves in the same situation as many others. They have sought advice from trading standards and references from this site and it would appear the only way to recover their losses is by way of the credit card, they paid the initial 2k deposit by Barclaycard in October 2002. Has anyone dealt with Barclaycard for the very same reason and how easy is it to do, any advice would be greatly appreciated. Gary
Title: Credit Card refunds for overseas transactions
Post by: teideglow on May 29, 2007, 13:38:23
Clydesdale financial services have said they contacted Pethey and were told they had sent us the pack. They said we signed contract with them and must pay. Contacted Citizens advice and everything now with the ombudsman. Meanwhile the only thing we have received from Petchey is a demand for over £600 for annual fees. We last paid our fees in December 06, and knew nothing about them being due in June.
Title: Credit Card refunds for overseas transactions
Post by: on May 29, 2007, 20:19:01
Has any one received a credit back from their card company for the deposit payed on the say so of a company selling your timeshare points. (have got clients ready to buy)
I have fell for this scam twice tryed to recover my deposit and found the companys had done a runner after only a few weeks.?
Title: Credit Card refunds for overseas transactions
Post by: Doggy50k on May 29, 2007, 20:43:43
quote:
Originally posted by Ken Shevill

Has any one received a credit back from their card company for the deposit payed on the say so of a company selling your timeshare points. (have got clients ready to buy)
I have fell for this scam twice tryed to recover my deposit and found the companys had done a runner after only a few weeks.?



Which company did you get scammed by?
Title: Credit Card refunds for overseas transactions
Post by: Doggy50k on May 29, 2007, 22:53:19
You may be able to argue the toss with your credit card company if it was a recent transaction.

Misrepresentation of facts etc...
Title: Credit Card refunds for overseas transactions
Post by: Finella on October 01, 2007, 22:00:46
Hi I was persuing this site for information and was happy to find a previous reply to paying upfront fees using credit card should be covered by the quoted act, however on that note I contacted my credit card company to check I would definately get a refund it the transaction when belly up and the guy there on checking with the relevant section advised me that credit card companies are pulling in the strings and will no longer cover Timeshare sales due to the large volume of scams, so I'm not sure where this leaves me now can anyone clarify?
Thanks
Title: Credit Card refunds for overseas transactions
Post by: sensor on October 02, 2007, 06:00:39
I think you should remind the person you spoke to that this is now LAW, and is not subject to how the credit card company feels.
See the first post at the top of this page. Maybe you should contact the office of fair trading or get your lawyer to contact the credit card co. to remind them of thier obligations to their customers.


Title: Credit Card refunds for overseas transactions
Post by: Finella on October 02, 2007, 23:06:04
quote:
Originally posted by sensor

I think you should remind the person you spoke to that this is now LAW, and is not subject to how the credit card company feels.
See the first post at the top of this page. Maybe you should contact the office of fair trading or get your lawyer to contact the credit card co. to remind them of thier obligations to their customers.




Hopefully it wont come to that and all will go well but i'll keep you posted.  Thank your for this fab site
Title: Credit Card refunds for overseas transactions
Post by: on October 28, 2007, 12:49:10
Hi. Finally decided to post a history of my relationship with BONUS WEEK BREAKS because I'm at the end of my tether.
About March last year we began getting calls from BONUS WEEK BREAKS to try and get us to purchase a week of holiday. Our previous experience with timeshare has been brilliant and so I didn't see the need to be overly suspicious.
So when BONUS WEEK BREAKS called me back (for the ninth time!), I thought I'd give them a try. It was, in fact, the FREE (processing fee-£49 per person) holiday that turned it for me. So I agreed to one week holiday which I was told I could take at any time, anywhere up until Feb 2009.
So I was somewhat bemused to find that about a week later, after checking my bank account, two seperate amounts of monies had been taken from my account of 209 euros- on two different days! In the hopes that a mistake had been made I called BONUS WEEK BREAKS only to find a hostile response and a distinct absence of the FRIENDLY sales member who had previously offered me the heavens & earth if we would only buy his product!
Having called VISA and lodging a complaint I was told that unfortunately they couldn't intervene as it was my word against BONUS WEEK BREAKS' as it was only a verbal agreement. A friend who is a solicitor also assured me that because they were based in spain, I would be wasting my time (and money!) trying to get my money back through him.
So here i was left with 2 weeks of timeshare accomadation that I was never going to use because I cant trust BONUS WEEK BREAKS as far as I can throw them!
Still, I thought, I've got my FREE (processing fee-£49 per person) holiday that me and my wife and another couple were going on-"fantastic!" I thought to myself, I could at least recoupe some of my hard earned wages back on a cheap- no- FREE! (processing fee-£49 per person) hoiday to say Italy's Rome or France's Monte Carlo or Spains' Barcelona in a 4* Hotel b&b as promised (along with previous mentioned heaven & earth!)
"That'll be £95, Mr Bromwich, including airport taxes", came the reply from the representative. I say representative, but what I actually think she was was a woman sitting in front of the TV watching the Jeremy Kyle show-I felt like I had interupted something very important as she reluctantly went upstairs to her computer and spent the next 20 mins telling me how she was nursing a hangover from the previous evenings' jollities!
"Oh!",came my reply,"I thought I'd paid for this holiday already"
"The sytem says that we offered you a holiday already, and you turned it down-in June."
"Yes, that's right.",I responded,"I turned it down beacause you actually phoned us while we were on holiday. Remember?"
"No, I've only just started working here, Mr Bromwich. Anyway because you turned down your 1st offer we can only offer you an upgraded deal which is still a good offer."
"The thing is, nobody mentioned it to at the time, or in fact at any time!", I explained
"It's just our policy. That'll be £95, Mr Bromwich, including airport taxes if you want the holiday at this time.", came the reply
"Okay!", I said calmly, trying not to shoot the messenger. I thought £95 still wasn't too bad. Split 4 ways, that works out...
"Each!"
"What?"
"That'll be £95 each, Mr Bromwich."
"Yes, that's what I thought you'd said. Surely, that means that having already payed £49 and now this added £95- we'll end up paying a total of £144 per person for a 3* hotel in Pisa in late November."
"Yes. That's the best we can do Mr. Bromwich."
"Have you been to Pisa? It's a dump! In fact there's only one thing worse than going to Pisa and that's going to Pisa in the middle of Winter!"
"That's the best we can do Mr. Bromwich."
"I'll get back to you.", I said.
And off she went, back to the TV to catch up on the fight.
So to SUMMARISE: I now own 2 weeks of holiday anywhere, anytime (except that it runs out in Feb 2009) with a company I don't trust as far as I can throw them. My FREE (processing fee-£49 per person) has turned out to cost me £144. And to top[ it all I've got to pay back £49 each to my two friends who trusted me with their hard earned cash! In total I am now £616 out of pocket! to show how this story is true I'm going to allow the deadline to go by without making use of the holiday at all. Why would I do this? BECAUSE I CANT TRUST BONUS WEEK BREAKS AS FAR AS I CAN THROW THEM!

By the way if anybody out there does trust them please feel free to contact me as I have 2 weeks free if you dare to use them!
Title: Credit Card refunds for overseas transactions
Post by: OldBill on October 28, 2007, 22:56:23
I suppose that A Bromwich has some reason for posting the above on this thread. Or maybe not.

With regard to Sensor's post regarding credit cards and overseas transactions he is of course correct about the current state of the law, but there is a fly in the ointment at present. As the ruling was challenged in the Lords by Lloyds TSB, and no final ruling has yet been given, some people have reported that the CC companies are hanging back - clearly because they are hoping desperately that the ruling will go their way, and if they have already paid they could not reclaim the money.

The hearing was on 2/3 October and a judgment will be given in about 6 - 8 weeks from that date.
Title: Credit Card refunds for overseas transactions
Post by: sensor on October 31, 2007, 18:25:54
HOUSE OF LORDS rule to protect credit card purchases overseas ! ! !

LLoyds TSB LOSE appeal [:0]

LLoyds TSB spokesman quote;  " We are disappointed "

I bet they are [:D]

Check out the link;


http://www.myfinances.co.uk/news/credit-cards/use-abroad/house-lords-credit-purchases-abroad-protected-$480779.htm
Title: Credit Card refunds for overseas transactions
Post by: hughie2 on January 18, 2008, 20:57:23
My cc company are holding back desparately saying that we have not proven gross misrepresentation because it was verbal and cannot be proven; and that there is no breach of contract as we did not complete the deal. I am planning to respond referring to unfair contract terms and fraudulent misrepresentation because there was an intent to deceive. In our case we were not advised that there is no protection for the £10k joining fee and that the holiday concept was a company.
Title: Credit Card refunds for overseas transactions
Post by: Boss Man on January 19, 2008, 08:09:23
Is a verbal contract not an "inferred" contract ?
Title: Credit Card refunds for overseas transactions
Post by: Keitht on January 19, 2008, 11:34:46
hughie2,

I would make an appointment with my local Citizens Advice on this one.  They have lots of experience in these areas and, assuming that they agree you have a case, a letter from them is often enough to make a company roll over and play fair.
It certainly worked for my brother in a dispute over a contract in a different area.  He had been fighting for months without success, but when CA got involved it was resolved very quickly.
Title: Credit Card refunds for overseas transactions
Post by: goose on February 29, 2008, 20:58:30
Two names to remember when anyone cold calls you to sell your time share:
Jay or "J" JENKINS, a very fast talking Irish sounding Female from Holiday Network Solutions. Wants an indemnity of 850 (Credit Card of course) , having found a buyer for our 2 weeks at Gran Anfi.
and
Dave COLLINS who's name appears on blurb as a signatory from the Registration Department of DGS Brokers, Malaga.
Anyone else "dealt" with these people before, perhaps with different firms? I'm thinking of starting a data base, given the number of calls I get to relieve me of 800+ per month!!!
Title: Credit Card refunds for overseas transactions
Post by: hughie2 on April 06, 2008, 12:36:13
Our cc (linked to Mcard) is refusing to payout. They, like many others are saying misrepresentation must be proven so accusations of verbal misrepresentation will not persuade them. The cc also said that we had not taken up membership, so could not definitively prove breach of contract from failure to deliver promised benefits. As if we would risk another TEN GRAND to prove the point.

This will now go to the Ombudsman and I have no faith there will be a result in our favour because he is part of the same finance industry. A verdict against them will open floodgates to levels of claims for which payouts will not be sustainable.

As posted on other forums, until there ia an action group with corroborated evidence of breach of contract, claims against cc's will fail.
Title: Credit Card refunds for overseas transactions
Post by: jonb on May 09, 2009, 22:14:38
thx Sensor, this is another matter regarding PMC of Benalmadena, Malaga, in trying to recover 600Euros paid in good faith for the sale of our CLC Points, having just managing to get our very recent costs of travel and accomodation back from IHOC, i'm not about to travel out to Nerca in Spain and repeat the whole sorry experience!! Luckily, i paid via Credit Card, Lloyds as a matter of fact, keep you posted!
Title: Credit Card refunds for overseas transactions
Post by: jonb on June 01, 2009, 00:46:12
hiya Hughie, read your comments with interest, we are in much the same boat with a spanish based company PMC Holidays, based in Benalmadena, near Malaga, that cold called us, and promised a sale of our CLC Points for £4,400. we had to travel to spain though, all costs re-inbursed on conclusion of sale, the usual thing. Upshot is we parted with 600Euros (wanted 1200!) for them to sell our points, we even had an e mail from Mr, Clarke at PMC confirming our sale! it was taking ages to arrange a date, they were enthusiatic at first, once they had our money, less so, to cut a long story short, we were contacted by another company in the meantime, IHOC, who basically promised the same thing, (your details are on a huge database for these people i'm afraid) and as nothing was happening with PMC, we went over to Spain earlier this year, only to find on the day, instead of selling our points for £4,950, payment on the day, we were told, we would have to wait 5 years for our money, on top of that, we would have to part with ANOTHER £3,748 just to sell them!!
Needless to say, we did,nt do it, and got our travel and accomodation costs back, maybe something to do with my Fathers Spanish wife's connection with the local Policia Nationale in Malaga, her brother has been with them 24 years, and is quite highly positioned there, equivalent to Chief Inspector in the Met. Maybe they did'nt want to get TOO involved with him, he has personally my Father that he will push our case, in Spain, you first issue a "Denuncia" against the company you in dispute with at the local equivalent of a trading  dispute organisation back here in UK, once registered, the Police are obliged by spanish law to follow it up, many dodgy "timeshare" operations ,even locally in Benalmadena have been closed down thanks to these guys, they are right on it, make no mistake, our personal contact obviously helps us enormously, we expect some response from PMC very soon, they will be talking to the spanish Policia Nationale otherwise!
Our personal beef with our CC company, through Lloyds TSB, is that, like yourselves, is that PMC are guilty of gross misrepresentation, in which cased they in breach of section 75 (1) of the Consumer Credit Act 2006, which rules that overseas transactions by credit card (gross misrepresentation) are eligible for compensation. In early stages with our lot at the moment, they want a copy of the contract with PMC, and want documented proof that PMC are not trading still, in other words, they are not interested, and will fight my claim.
 So still early days for us, a meeting with CAB next, not had much luck with them previously, maybe a solicitor who specialises in this area next, will keep you informed, can you do the same?!   Good luck.
Title: Credit Card refunds for overseas transactions
Post by: n/a on October 27, 2009, 08:50:19
I have lived in Spain for many years and cannot believe how gulliable you English people are. Why on earth would you pay someone money over the phone on the strength of them selling your timeshare? If its really some down to that then you might as well rip up your paperwork and ignore the maintainance man! Jon Beer above obviously feels like an idiot for being stung twice. My wife also works for the national Police here in Spain and she says that the police wont pay any attention the the English ripping off the English. This is a fact, if were all so stupid to do it, they don't mind as its money going into their country from another.
Why can't everyone just wake up. I own a timeshare in Orange Lake and when i want to sell it i for sure won't be ringing any companies in malaga!!
Title: Credit Card refunds for overseas transactions
Post by: OABandit on November 15, 2009, 22:57:31
JON BEER & HUGHIE2 ....
Did you ever get anywhere with recovering deposits from your credit card co?
Similar problem myself with card co. rejecting claim as no 'proof' of verbal sales blarney.
Title: Credit Card refunds for overseas transactions
Post by: chasgee on December 16, 2009, 09:34:42
My CC Company obtained my money back from World Networking Sales with no problem so just keep pestering them.
Title: Re: Credit Card refunds for overseas transactions
Post by: ellie on December 02, 2010, 05:51:47
Do you know if this applies to Canadian transactions or only European ones?  I'm wondering about the transactions that took place at a Credit Union in Spain from our RBC Visa account as mentioned in previous posts, even though its a few years ago ..  Thanks and look forward to a reply.
Title: Re: Credit Card refunds for overseas transactions
Post by: chouldsworth on October 29, 2011, 15:39:03
URGENT HELP PLEASE - I fell foul of the "presentation" holiday trick with BIC Leisure in Tenerife and ended up ceding my 2 timeshare weeks (Gold Crown) for 30,000 RCI points (£4475) PLUS enrolment on the Diversified Additions Programme (£4475). (Un)fortunately I paid in full for this latter product (DAP) by credit card at the time, BUT I did not realise that both products were NOT RCI and now want to cancel - DO I HAVE THE 14 day period? Can anyone tell me - can I use section 75 - the seller has wrongly described the product to cancel? Any help please - quickly!!!!!
Title: Re: Credit Card refunds for overseas transactions
Post by: Norm de Plume on November 01, 2011, 16:12:25
It applies to any credit transaction such as yours.  Approach your credit card company - and be persistent.