Is Section 75 fit for purpose?

Never had a problem claiming, but must add that when SpeedFerries went bust I had no trouble at all claiming back my Frequent Traveller subscription.

Section 75 ? Who does the Admin the companies or the consumer?

Ordered a computer that did not arrive despite many excuses. Claimed via my Nationwide Visa credit card and money refunded very quickly. No problems at all. Mike

I am in the process of a Section 75 claim using the Which legal team and it is extremely stressful as the card provider keeps putting obstacles in the way despite being supplied with proof to the contrary. The latest one is stating that the complaint has only been with them since 3rd May and not 18th March when the dispute was first raised. The card provider states that on the 18th March I raised a dispute, but only raised a complaint about it on the 3rd May. Despite providing proof that the trader is also ignoring the Consumer Rights Act 2015 which is actually a criminal offence, the card provider, a well known High Street bank is ignoring the proof.

I booked a hotel overseas for a trip many months ahead. Amongst the hotel’s T&Cs was the payment for the room would be taken immediately. On returning from the trip, I found that my credit card had been charged following my stay, not at the time of booking. In the meantime, we had the Brexit vote and the value of Sterling had fallen. Accordingly the cost of my hotel had risen by £100. Rather then engaging with the hotel and dealing with foreign laws, I used Section 75 to claim this amount from my credit card company. As they rejected my complaint, I referred the case to the Financial Ombudsman Service (FOS). After considering the matter and seeking evidence from both sides, the FOS ruled in my favour. The credit card company also gave me a further £50 for not handling my complaint properly.

After the company from which we had ordered a leather settee went into administration before delivery I telephoned Tesco credit cards for a claim form to be advised that this would not be necessary as the details could be taken by telephone. Sfter giving the details the whole amount paid was refunded to the credit card within 24 hours. Excellent service.

I ordered an ipad case via the internet, paying by credit card, just before sterling took the Brexit dive, and it seemed that the higher import costs had left the retailer unable to complete his sales at the quoted prices.
The retailer went silent and would not reply to emails or phone.
The Tesco Bank (issuers of the credit card) sent a form for us to complete, and after 6 weeks we received a credit for the money onto the card account.
Similar experience with the purchase of a phone unlock code. The seller was a scammer (“..unable to establish a code for your phone. A full refund will be credited”). No refund was forthcoming.
Tesco Bank dealt with this in a similar fashion.
The sums involved were relatively small (£25 and £9), and the bank possibly dealt with these as goodwill issues, whilst larger sums might have been dealt with differently.
How banks deal with S75 issues seems to be a good indicator of the standard of their customer service.

I have recently had a good experience / outcome for Section 75.

I booked a flight with Qantas Airlines directly, paying in Australian dollars. Since this was a flight between Australia and USA it was not covered by the European compensation scheme.

Because of a technical difficulty the plane was changed and my seat was downgraded. I should have received a partial refund automatically, but after several weeks and emails to Qantas nothing happened.

I asked American Express to intervene (quoting Section 75). I gave Amex full details of the problem. They initially advised me that it may take up to 6 weeks to resolve the situation.

Within 4 weeks I received a refund from Qantas. In their email there was no mention of any involvement by American Express, but I am certain that Amex were instrumental in expediting the refund.

Obviously American Express did not have to compensate me, so Section 75 was not actually invoked. However they persuaded Qantas to make the appropriate refund.

I do not know how other credit card companies would have handled the situation, but I am totally happy with the outcome and the help provided by American Express.

Paid a deposit for work to be carried out on home improvements. Contractor/Joiner asked for deposit through his online payment method. Contractor never completed job and left us with unfinished and poor quality work. Tried to claim under Section 75 as I had paid with credit card, card company refused to cover costs/chargeback as Joiner received payment through paypal. Looks like I have been done over twice. Now we will have to pay another contractor to complete work from scratch with extra costs.

I bought a multi ticket Channel crossing as I was planning retirement and was intending to travel frequently to France. I subsequently was offered a further multi ticket at an even cheaper price, which I bought, using my Cahoot credit card to buy both. The ferry company then went bust before I had even used one of the tickets. I contacted Cahoot who told me that they would attempt to arrange a chargeback. I told them that I wanted to make a Section 75 claim. They stated that they had no knowledge of that procedure! After my making various threats, I was told that they would have to investigate and that could take up to six months!

Having heard nothing at all, after six months I contacted them and informed them that if the money was not in my bank account within7 days, I would go to the banking ombudsman. With one day to go, the money for one ticket was refunded. I repeated what the deadline was and reluctantly they paid at the last possible moment.

Needless to say, I never used Cahoot again.

I paid a £100 deposit for a kitchen, 2 days later Comp went bust I telephoned credit card comp, and gave details; explained about it and voila! couple of days later £100 back in my account. Thank you MBNA, very efficient.