grapau27 Posted May 21, 2020 #2526 Share Posted May 21, 2020 (edited) 5 minutes ago, bobstheboy said: I paid by debit, so not the same options as credit. To be honest, and I'll get stick for this, I have got to the point that I am fed up with fighting. That doesn't mean that they can keep my money, but for the time being I'll just sit tight. I'll get my revenge when I don't cruise with them in the future, they have had a lot of money from me over 20 years. No more. I found sending polite reminders stating I was on 66 days and Paul Ludlow said up to 60days worked. I got my refund that night. Graham Edited May 21, 2020 by grapau27 1 1 Link to comment Share on other sites More sharing options...
staygulf Posted May 21, 2020 #2527 Share Posted May 21, 2020 12 minutes ago, bobstheboy said: I paid by debit, so not the same options as credit. To be honest, and I'll get stick for this, I have got to the point that I am fed up with fighting. That doesn't mean that they can keep my money, but for the time being I'll just sit tight. I'll get my revenge when I don't cruise with them in the future, they have had a lot of money from me over 20 years. No more. 2 things come to mind. If you paid by debit card and were overdrawn (not suggesting you were) then I believe s75 applies in the same way as a credit card. Alternatively you can try asking your bank to make a charge back claim. Link to comment Share on other sites More sharing options...
Josy1953 Posted May 21, 2020 #2528 Share Posted May 21, 2020 2 minutes ago, staygulf said: 2 things come to mind. If you paid by debit card and were overdrawn (not suggesting you were) then I believe s75 applies in the same way as a credit card. Alternatively you can try asking your bank to make a charge back claim. S75 is only credit card, befit card you have to do a chargeback through your bank. 1 Link to comment Share on other sites More sharing options...
No pager thank you Posted May 21, 2020 #2529 Share Posted May 21, 2020 15 minutes ago, bobstheboy said: I paid by debit, so not the same options as credit. To be honest, and I'll get stick for this, I have got to the point that I am fed up with fighting. That doesn't mean that they can keep my money, but for the time being I'll just sit tight. I'll get my revenge when I don't cruise with them in the future, they have had a lot of money from me over 20 years. No more. I do know what you mean, their excuses and insistence on the fact that it they are doing their best and such like does wear you down, even when you are right. Quite right to take your future custom elsewhere. If you did pay be debit card and they continue to take the proverbial more than you can take then the chargeback route is open to you. That costs the bank nowt, and is no risk to them, so they may help you out. 1 Link to comment Share on other sites More sharing options...
staygulf Posted May 21, 2020 #2530 Share Posted May 21, 2020 5 minutes ago, Josy1953 said: S75 is only credit card, befit card you have to do a chargeback through your bank. I don’t think that’s right. The act doesn’t talk about credit cards. It talks about debtor creditor supplier agreements. If you are overdrawn and spend money the bank is extending you credit Link to comment Share on other sites More sharing options...
bobstheboy Posted May 21, 2020 #2531 Share Posted May 21, 2020 The charge back route is interesting. I paid direct to my TA, so would it be against them or PO ? I am not doing it yet but if it gets ridiculous, it already is, I will speak to my bank. Link to comment Share on other sites More sharing options...
bobstheboy Posted May 21, 2020 #2532 Share Posted May 21, 2020 4 minutes ago, staygulf said: I don’t think that’s right. The act doesn’t talk about credit cards. It talks about debtor creditor supplier agreements. If you are overdrawn and spend money the bank is extending you credit I am not overdrawn. Link to comment Share on other sites More sharing options...
majortom10 Posted May 21, 2020 #2533 Share Posted May 21, 2020 I think there are some on here confusing Christine Duffy President of Carnival Cruise Line with Carnival Corp. Carnival Cruise Line is a brand of Carnival Corp like P&O, Cunard and many others. Whatever practices she instigates within that cruise line has no bearing on P&O or Cunard. I think there is little chance of any cruise brands within Carnival Corp will cease to exist because of their respective popularity in their respective countries but will definitely think we will see a slimming down of many ships across the brands and the delaying or cancelling of new builds until the cruise market recovers. Link to comment Share on other sites More sharing options...
staygulf Posted May 21, 2020 #2534 Share Posted May 21, 2020 3 minutes ago, bobstheboy said: The charge back route is interesting. I paid direct to my TA, so would it be against them or PO ? I am not doing it yet but if it gets ridiculous, it already is, I will speak to my bank. As you paid TA I don’t think a s75 claim would have covered you even if you had paid by cc as it doesn’t cover payments to 3rd parties. But your charge back claim via your bank would be Against your TA Link to comment Share on other sites More sharing options...
majortom10 Posted May 21, 2020 #2535 Share Posted May 21, 2020 1 minute ago, staygulf said: As you paid TA I don’t think a s75 claim would have covered you even if you had paid by cc as it doesn’t cover payments to 3rd parties. But your charge back claim via your bank would be Against your TA It all depends in what way your TA collects the money we paid ours by credit card but was paid straight through to Cunard and there is no mention of the TA on our credit card statement it is a payment to Cunard. Link to comment Share on other sites More sharing options...
No pager thank you Posted May 21, 2020 #2536 Share Posted May 21, 2020 1 minute ago, staygulf said: As you paid TA I don’t think a s75 claim would have covered you even if you had paid by cc as it doesn’t cover payments to 3rd parties. But your charge back claim via your bank would be Against your TA Yes I agree Bob. As I understand it, the claim is against the TA and then it becomes their problem to be refunded by P&O. Bank would confirm. Link to comment Share on other sites More sharing options...
jeanlyon Posted May 21, 2020 #2537 Share Posted May 21, 2020 That's correct in my case. I paid my TA, they paid P&O, so my chargeback would be against the TA which is very unfair really, as he paid P&O months ago. Luckily I have my refund. 1 Link to comment Share on other sites More sharing options...
grapau27 Posted May 21, 2020 #2538 Share Posted May 21, 2020 39 minutes ago, bobstheboy said: The charge back route is interesting. I paid direct to my TA, so would it be against them or PO ? I am not doing it yet but if it gets ridiculous, it already is, I will speak to my bank. Check your bank statement and see who the payment was paid to. Some TAs put your money in their bank first and others put it into a P&O account. 1 Link to comment Share on other sites More sharing options...
staygulf Posted May 21, 2020 #2539 Share Posted May 21, 2020 45 minutes ago, bobstheboy said: I am not overdrawn. The other thing to bear in mind is that you only have to pay the deposit on credit card for the whole cruise amount to be claimable against the credit card company. Link to comment Share on other sites More sharing options...
jeanlyon Posted May 21, 2020 #2540 Share Posted May 21, 2020 2 minutes ago, staygulf said: The other thing to bear in mind is that you only have to pay the deposit on credit card for the whole cruise amount to be claimable against the credit card company. You're right. I had forgotten that. Link to comment Share on other sites More sharing options...
grapau27 Posted May 21, 2020 #2541 Share Posted May 21, 2020 2 minutes ago, staygulf said: The other thing to bear in mind is that you only have to pay the deposit on credit card for the whole cruise amount to be claimable against the credit card company. A nominal amount like £1 on your credit card is all that is needed to make a cc claim. Link to comment Share on other sites More sharing options...
Rare Selbourne Posted May 21, 2020 #2542 Share Posted May 21, 2020 43 minutes ago, majortom10 said: I think there are some on here confusing Christine Duffy President of Carnival Cruise Line with Carnival Corp. Carnival Cruise Line is a brand of Carnival Corp like P&O, Cunard and many others. Whatever practices she instigates within that cruise line has no bearing on P&O or Cunard. I think there is little chance of any cruise brands within Carnival Corp will cease to exist because of their respective popularity in their respective countries but will definitely think we will see a slimming down of many ships across the brands and the delaying or cancelling of new builds until the cruise market recovers. Thanks for clarifying that. I think that the financial commentary in the article, referring to billions of dollars of bail outs and the $1bn a month costs, relates to Carnival Corporation in total though, as the numbers seem far too big to be just one cruise line. I agree with your assessment of what the future may look like. I think there’s a future for P&O and Cunard, but the older ships and potential new ones may be at risk which will be a shame. A change of ownership may be no bad thing though. Link to comment Share on other sites More sharing options...
staygulf Posted May 21, 2020 #2543 Share Posted May 21, 2020 4 minutes ago, grapau27 said: A nominal amount like £1 on your credit card is all that is needed to make a cc claim. That’s true but for a cruise you’re more likely to pay the deposit , not £1, unless of course the deposit is £1. Link to comment Share on other sites More sharing options...
grapau27 Posted May 21, 2020 #2544 Share Posted May 21, 2020 Just now, staygulf said: That’s true but for a cruise you’re more likely to pay the deposit , not £1, unless of course the deposit is £1. Some offers have been £1 deposit. Even if you prefer using your debit card to save a favourite independent TA paying cc fees it is still good practice to at least put £1 onto your credit card. Link to comment Share on other sites More sharing options...
terrierjohn Posted May 21, 2020 #2545 Share Posted May 21, 2020 (edited) 59 minutes ago, majortom10 said: It all depends in what way your TA collects the money we paid ours by credit card but was paid straight through to Cunard and there is no mention of the TA on our credit card statement it is a payment to Cunard. Same with us except with P&O, so I assume a chargeback or S75 would be valid, if needed. Edited May 21, 2020 by terrierjohn Link to comment Share on other sites More sharing options...
Purdey16 Posted May 21, 2020 #2546 Share Posted May 21, 2020 Sorry to ask this question ( I may be a bit thick ) but I used some Tesco coupons to part pay for my cruise £500 and the rest on my cc , so do I get a complete refund of my cruise or will p & o deduct the double up of my coupons , so loseing the £500 , this is the first time I have ever used Tesco coupons to part pay for a cruise. Link to comment Share on other sites More sharing options...
Jennizor Posted May 21, 2020 #2547 Share Posted May 21, 2020 Good question Purdey16. I had not thought about this. I used my Tesco vouchers a couple of years ago and am now saving them for a future cruise when it would benefit us. I am sure there is someone on this forum who can advise you, and me. 1 Link to comment Share on other sites More sharing options...
wowzz Posted May 21, 2020 #2548 Share Posted May 21, 2020 3 hours ago, jeanlyon said: I don't think it will go bust. They have billions. They have enough until the end of the year. Link to comment Share on other sites More sharing options...
pete14 Posted May 21, 2020 #2549 Share Posted May 21, 2020 30 minutes ago, Selbourne said: Thanks for clarifying that. I think that the financial commentary in the article, referring to billions of dollars of bail outs and the $1bn a month costs, relates to Carnival Corporation in total though, as the numbers seem far too big to be just one cruise line. I agree with your assessment of what the future may look like. I think there’s a future for P&O and Cunard, but the older ships and potential new ones may be at risk which will be a shame. A change of ownership may be no bad thing though. The article in the link is from an American company specialising in maritime law who are clearly looking for business. Of course Carnival are struggling for cash flow but there may be a commercial agenda behind the article. Link to comment Share on other sites More sharing options...
funinhounslow Posted May 22, 2020 #2550 Share Posted May 22, 2020 8 hours ago, staygulf said: The other thing to bear in mind is that you only have to pay the deposit on credit card for the whole cruise amount to be claimable against the credit card company. This is true for S75 only. Chargeback only covers you for the amount you put on the card. Link to comment Share on other sites More sharing options...
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