John Lewis has refused our credit card claim after a cancelled holiday
I really feel badly let down by John Lewis Financial Services because it has declined my £1,500 credit card claim.
Back in March 2020, I visited a native journey agent and used my card to pay a deposit on a coach holiday. Per week later I paid the remaining steadiness, once more utilizing the card. In complete I spent £1,496.
Due to the pandemic, the journey was cancelled by the tour operator. However, after initially telling us the holiday could be rescheduled in 2021, it later emerged that the journey agent had not handed on our cash to the coach tour operator, and subsequently we had no reserving.
The agent’s workplace has been closed and boarded up since March, and all of my cellphone and e mail makes an attempt to make contact have come to nothing. It seems to have ceased buying and selling.
In July, I contacted John Lewis to elucidate the place and I used to be suggested to submit a dispute kind, which I managed to do regardless of it asking very sophisticated questions.
At John Lewis’s request, I’ve stuffed in two extra types and despatched all the data relating to the case, with copies of the bookings, pictures of the boarded-up agent’s workplace and so forth.
Now, six months on, I’ve been despatched a letter turning down our claim, and I’m livid. The purpose I paid by credit card was to supply safety towards simply this type of factor.
BS, Loughborough
Lots of readers have been reporting related experiences after attempting to get their credit card holder to resolve journey booking-related issues for the reason that pandemic started. It’s truthful to say that the credit card trade has not coated itself in glory on this regard.
If the agent has gone out of enterprise with out passing in your cash to the tour operator, that is clear grounds for the card supplier to step in. Under part 75 of the Consumer Credit Act 1974, the credit card firm is collectively and severally accountable for any breach of contract or misrepresentation by the retailer or dealer.
This means it’s simply as chargeable for the products or service equipped – or not equipped, as in your case. Goods or providers should have price greater than £100 and less than £30,000.
We requested John Lewis to take a second have a look at your case and it has agreed to hold out a chargeback, returning all your cash. It blamed the delay on a misunderstanding as to the explanation on your claim.
“After discussing the matter further, and establishing that the basis on which BS is making a claim has changed, we have determined there is a case for a chargeback,” it says.
This exhibits why it is best to at all times use a credit card when paying for expensive gadgets or providers that can be delivered sooner or later.
You are simply happy to have the cash again in your account, and that the infinite form-filling can stop.
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