Bank section 75 claim?

[Rachelfromfriends1]

Sorry, posting for traffic

Has anyone opened a section 75 claim with their bank before?

How did you manage to open it? I’m with Hsbc and the adviser doesn’t actually know what it is, so isn’t allowing me to open one.

I really don't know how a bank employee does not know what a section 75 is.
I had reason to use it with my credit card when I stayed at some awful accommodation and was refunded in full after providing some information and giving the credit card company time to prove some facts.
All I did was ring the credit card companies customer services and they did the rest.

I booked flights and the airline went bust. I sent my credit card company a letter. I was refunded back to cc account in approx 2-3 weeks.

You might be better to call it a disputed transaction claim. That’s the more commonly used term

I also claimed from tesco credit card for the cost of flights to replace those we lost when Monarch went bust. I just wrote them a letter telling them I was making a section 75 claim with details of the relevant amounts and dates.

Say you want to dispute a transaction, debited on X date for X reason. They will always do a dispute first as its quicker, and if that fails will do a section 75.
Recently left HSBC and worked alongside the telephone banking team

I think section 75 is for credit card purchases, bank/ debit card payments I think are known as a 'charge back '. Although I would expect them to work out that's what you mean if you've explained the situation.

Great to hear that your banks were able to help you!

I was on the phone to their customer services, the adviser didn’t know what it was at all. I had to read off of their website to give him some background information, he gave me the disputes department’s number but they’re currently closed.

@Theonewiththecandles it’s a bit complicated as I’m out of time to make a standard dispute. I just directly wanted to open a S75 as I have incurred additional costs as a result of an ongoing problem with a transaction, I believe reasonable costs can be claimed with s75.