Non-Amex chargeback / Section 75 experiences

[Youllnever]

Hey everyone,

I just wanted to gauge what everyone’s experiences has been with chargebacks and section 75 refunds on a non-Amex card.

I will admit that I have had a pretty straightforward and easy experience filing and winning one with Creation, but since this is no longer an option, I was wondering what other cards I should consider for merchants that might seem slightly dodgy, preferably one that earns rewards?

Thanks!

• This topic was modified 55 years, 3 months ago by .

[rum]

Only experience for me was HSBC and that was last year. Retailer didn’t provide a refund. As they were based abroad, it meant making expensive international calls. I eventually made a claim through HSBC and they promised to look into it. Due to the delay caused by covid (well, that’s what they told me!), they didn’t get back to me within the 2 months promised. I then made a written complaint and got a call back from their complaints handling team after a day or so. They offered me compensation which more than covered the claim amount, so I accepted it.

All in all, it could have been dealt with a lot faster, but luckily it ended well in the end.

[Wollhouse]

Virgin CC – VERY POOR experience. IMO, they make it as hard as possible to even submit a claim.

I had a five day yoga training booked at a studio in Milan in early 2020. It was booked and paid for late 2019 €400. I used my new virgin cc as I wanted to hit my welcome spend bonus. Covid hit and the training was rescheduled four different times. I rebooked flights each time and as they got cancelled was able to keep moving the flights. For the final date, the event actually took place in late nov 21, my flights were cancelled (easyJet refunded quickly). I was not legally able to enter Italy at the time due to vax status. The studio refused multiple times to refund my ticket; the event was also sold out and despite saying they would resell my ticket to someone else, the studio then refused to do so. They gave me a credit valid for one year from the date of the original event…. (Offered despite it being already 18 months after original event?) Virgin refused to chargeback stating that the event had never been “cancelled” simply “rescheduled”. I tried to argue at my time of claim (which was before the nov event actually took place) that having been rescheduled 4 times already since 2019 I had no confidence the event would occur and surely there must be a time limit on how long a company can keep your money and kick the event out.

The first time I tried to file a claim I called virgin and held for over an hour and was finally advised their claims form link online was broken (this was not an ability to submit online, just the form I needed to print out.) They said they had to post me a claims form. It never arrived. The next call (similar hold time) the link was still broken but this time I was advised that I had to post my claim and I got an address. There is NO ability to upload your claim or any supporting document online or via an email contact. Everything has to be printed and posted.

The agent I dealt with on the second call was rude and told me I was wasting my time submitting my claim. Virgin denied so looks like he was right. I will claim under my travel insurance but I do wonder if Amex would have taken the same view? or should I push back on Virgin?