A question about : Chargeback (defective holidays accommodation
I rented and prepaid the accommodation for 7 nights by Visa Card. There were a lot of misleading information on the website about the accommodation. Anyway in order not to screw up our holidays we accepted this.
However, on the third day of staying we met the absence of the water. So it was not possible to use bathroom and toilet at all. We informed the manager in UK and local manager. However, nobody came the same day. Moreover, we did not see local manager anymore at all. He did not come to see the situation and confirm the absence of water. He disappeared and did not answer the phone at all.
To make the story shorter, the problem has not been fixed tor the next days. Every evening we encountered the absence of the water and every day they told us that it will be fixed again tomorrow.
They did not provide us with any alternative accommodation and did not agree to return money for the rest of prepaid nights. So we did not have the water for 4 nights.
Could you please advise if the Visa Regulation consider such service as defective under Code Reason 53 and could I aply for chargeback in my bank?
Many thanks!
Best answers:
- I don't think that it's realistic to rely on chargeback in such complicated case. The bank isn't a judge and isn't in a position to decide whether the services were actually 'defective' because of far too many factors involved. Also, the chargeback can be only the full amount, partial refunds are impossible.
Section 75 claim would be far more realistic. That's why it's always advised to pay, at least partly, by a credit card.
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