Covid19: LH and Credit Card - Disputes/Chargebacks
#136
FlyerTalk Evangelist
Join Date: Nov 2004
Location: Denmark
Programs: TK Elite
Posts: 11,633
AMEX is telling the customer that refund procedure has already been initiated (by LX or OTA) - is it then unreasonable for AMEX to refuse a chargeback ?? (not IMO; surely the pax shouldn't receive both a chargeback and subsequently a refund)
#138
FlyerTalk Evangelist
Join Date: Aug 2000
Location: London
Programs: Hilton, IHG - BA, GA, LH, QR, SV, TK
Posts: 16,965
There's even an EU-wide (except Denmark), cross-border small claims procedure (https://europa.eu/youreurope/busines...htm#shortcut-1) though I imagine this might be a bit of a headache to implement
As for our much-loved Section 75, it's really no more difficult to follow than a regular chargeback, though it is more specific in the situations it will cover. The consumer joy of the procedure is that the credit card company is equally as liable as the merchant: so that if you do not receive the service or goods you paid for the credit card people must make you whole, irrespective of the merchant agreeing to refund.
UK isn't a shining light in consumer affairs, so i'd be surprised if other EU states didn't have some version of our Consumer Credit Act Section 75, introduced back in the mists of time - 1974. There're certainly EU Directives covering consumer credit but whether these consider "charge back" mechanisms is beyond my competence.
I'm by no means an extreme litigant. But the behaviour of Luftansa really tested my patience.
Last edited by IAN-UK; Sep 4, 2020 at 11:36 pm
#139
Join Date: Aug 2014
Location: London | Sydney
Programs: LH HON, QF CL, SQ TPPS, AF Plat, VS Gold, VA Plat, EK Gold, HH Diamond, WoH Globalist, Marriott Plat
Posts: 1,507
My U.K. AMEX charge card statistic is 5 out of 5 successful chargebacks against LH Group during Covid, long finished now. Each case for many thousands of pounds. 2 booked through Amex travel, 3 booked directly with LH or LX.
YMMV as you can see from this thread, but the Amex sides with vendor argument just isnt always true.
The critical point for me was providing written proof to Amex that I had requested a refund, and they hadnt given me that refund within 7 days. Thats the tricky part.
YMMV as you can see from this thread, but the Amex sides with vendor argument just isnt always true.
The critical point for me was providing written proof to Amex that I had requested a refund, and they hadnt given me that refund within 7 days. Thats the tricky part.
#140
Suspended
Join Date: Feb 2007
Location: PVG, FRA, SEA, HEL
Programs: UA Premier Gold
Posts: 4,783
I'm not sure I'd classify our Money Claim Online (MCOL) as extreme: it's simple to use, streamlined version of the small claims procedures available in most, if not all, member states.
There's even an EU-wide (except Denmark), cross-border small claims procedure (https://europa.eu/youreurope/busines...htm#shortcut-1) though I imagine this might be a bit of a headache to implement
There's even an EU-wide (except Denmark), cross-border small claims procedure (https://europa.eu/youreurope/busines...htm#shortcut-1) though I imagine this might be a bit of a headache to implement
#141
FlyerTalk Evangelist
Join Date: Aug 2000
Location: London
Programs: Hilton, IHG - BA, GA, LH, QR, SV, TK
Posts: 16,965
There's no reason you should understand the procedure: but it's unfair to dismiss it out of hand from a position of unfamiliarity.