Trousersandrie

Your rights under Section 75

Under Section 75 of the Consumer Credit Act 1974, the credit card company is jointly and severally liable for any breach of contract or misrepresentation by the retailer or trader.

This means it is just as responsible as the retailer or trader for the goods or service supplied, allowing you to also put your claim to the credit card company.

You don't have to reach a stalemate with the retailer or trader before you can contact your credit card provider - you can make a claim to both the retailer and credit card provider simultaneously, although you can't recover your losses from both.

Another thing very topical at the moment, say NCL go chapter whatever, what are credits worth then? I would sooner have a charge back in process, than none at all.

its all about YOUR cash.

I always try to resolve any cancellations before change back, if a company ignores my calls in my view I have no choice, just today some major virus protection co. Tried to remove funds from a CC, immediately I informed the CC co, they took a record of my call, and said if it not resolved by 01/05 we will act on your behalf, it’s easy.

3 hours ago, BirdTravels said:

Bottom line is considered a frivolous chargeback. A chargeback accuses the merchant (NCL) of a fraudulent charge. You are, in fact, committing fraud because NCL has, in writing at time of refund request, promised to repay you in a specified timeframe. 

 

NCL can and has blacklisted people for frivolous chargebacks. You may say "that's o.k., I never want to sail on NCL again"... but forever is a long time to be blacklisted.

 

Your bank is now taking time and expense to investigate the claim. Your bank, finding out that it is a frivolous chargeback, may consider you a risk. And may consider terminating or downgrading your account. Forever is a long time. 

 

It is NOT a free roll. The roll could come with consequences just to get your refund a few weeks earlier. 

Bottom line, ITS YOUR MONEY. You didn’t cancel, the merchant didn’t provide the goods...Full stop

1 minute ago, SeaShark said:

 

Out of curiosity...I'll give you that 90 days is an excessive wait time. So, what wait time would have been acceptable...specifically, how many days would you accept without the need for a fraud chargeback?

It is not Fraud, it’s your money, any merchant must have reasonable refund term, unreasonable terminology ie 90 days isn’t reasonable it’s robbery.

Would you hire a car off NCL, it would take months to settle balance?

Just received offer from NCL

Looks like abandoning 2020 Europe