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momon121

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About momon121

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  1. Hi Just to keep you folks updated this was the last response from Halifax :- am contacting you regarding the above disputed charge. Thank you for your email, although as per my colleagues previous email, we as a processing team are unfortunately bound by strict MasterCard regulations which gives us no further rights of recourse with returning the above two charges to the retailer. When you initially raised the dispute with us, we followed our process by reviewing the merchants documents in which they have re-presented to us. However as you raised the dispute with not recognising the transaction on your account, we reviewed the merchants documents and followed MasterCard regulations. Upon reviewing we took note of your details evident on the merchants documents, and following MasterCard regulations if your details have been provided then we have no right in being able to assist you any further with your claim. We understand that this is not the outcome you were hoping for but unfortunately in this instance there is no further action we can take. In view of the above information it will therefore now be necessary to re-debit our temporary credit which we applied to your account when you first raised the dispute with us. We try to help where possible but in order to reach a satisfactory outcome you would need to contact the merchant directly, as per MasterCard regulations we strictly do not have any rights to be able to issue a charge back (returning the charge to the retailer), or able to assist you any further with your claim. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- I am now in the process of liaising with the Financial Ombudsman in assigning an investigator to look into my case. They are keen to find out why Halifax have not done more to help. I will keep you posted
  2. I have just written an email and also the sent a similar email to the financial onbudsman. I will keep you updated. Thanks
  3. Hi Andy, Given the fact that Halifax has sided with Ryanair what how can prove that it was not me who booked it? they can check my IP address although that information was never disclosed on Ryanir provided evidence. According to Halifax's dispute information in order to request a claim under section 75 I have to write to them detailing what has happened. Regards
  4. Hi Anyorch I have the read the section 75 claim I could not find the form how do I process the claim please? Thanks and I am sorry I am so nervous
  5. This is the email Halifax have sent me today:- Card Number: **** **** **** 7047 Transaction Details: RYANAIR Transaction Amount: £415.49 & £377.31 Transaction Date: 13/4/18 I am contacting you regarding the above disputed charge. Unfortunately we are unable to assist further due to the dispute being describes as a “Do not recognise”, but due to your details being on the documents the merchant have submitted we are acting within MasterCard Regulations and cannot progress further with your case. As we had already credited your account with the same amount, it will now be necessary for us to re-debit your account, which will show on your next statement. PLEASE NOTE: When replying, please include your case ID (CCE-), initials, full surname, your post code and the last 4 digits of your card number. To help protect your identity and stay safe online, please do not send any further information regarding your identity by e-mail. Yours sincerely I have explained my case to them and it seems like Halifax are in favour of Ryanair. One of the members highlighted that Halifax have an obligation to protect its customer. What shall i do now gents?
  6. Hi I still have not heard from Halifax as they were suppose to call me from their complaints team. Would you advice that I start my filing for section 75 reclaim ? I dont want to leave it too late. Regards
  7. Hi Andy Thank you so much for all the help. I have spoken to Section 75 team they have now passed my details to their complaints team once i learn of their outcome then I will follow the steps outlined. Also how i go start a section 75 reclaim?
  8. They cannot prove i authorise the booking. They keep referring to their non refundable policy and so do Halifax
  9. Andy what can i do to get this resolved they are asking me to pay them £700 to something I didnt authorise.
  10. The only proof they have provided to Halifax is a log of passenger details and card details and nothing else. I argued that still does not prove that I did this however Halifax keep saying its not fruad as the details on the booking match to actual people involve. Their interpretation of fruad is if someone uses your credit card and falsley makes a claim with incorrect details. For that reason I was transferred to Halifax dispute team who liased with Ryanair and who then arragonatly return the chargeback to Halifax. All the details above has been requested by Halifax.
  11. Never been to spain cannot recall every using my debit except buying a play station few month before. What is section 75 reclaim? I have been dealing with Halifax's dispute team who then put in touch with Halifax Represents who have advised that Ryanair will not uphold and have resubmitted the charge. Halifax is providing inconsisted messages saying that the email I have recieved today was sent on the 04/06 when I only received this today. I feel that I am poorly mistreated and Halifax is not doing much to help me
  12. Hi I hope you can help me, on the 13/04/2018 there was a credit card trasnsaction made with Ryanair to fly from Manchester - Madrid and Madrid to Tangier Morocco on the same day. We normally travel to Morocco every summer to our home in Marrakech. We always book direct flights either from Manchester or Liverpiool. This transaction is unusual as I normally travel with my three children all aged under eleven. I immediately informed Halifax who raised a dispute against Ryair as it wasnt a fraud since the details matched. I have explanied to Ryanir and Halifax that I did not authorise nor recognise this transaction as its completely bizarre. We have an excellent record of using our credit card no issues with purchases and payments and to be honest we are planning on paying it all off very soon as we have less than £300 remaining. I am so upset and stressed as I dont want to pay for anything that I have not purchased or bought. Today Ryanair have advised Halifax they they will not refund on the grounds are as follows:- 1) Details of passengers match 2) No refund policy I have spoken to Halifax at length that the evidence provided by Ryanair does not substabtiate to the fact that it was I who booked the tickets and under their 'no refund policy' it is an easy escape route. We have prerviously booked tickets with Ryanair flying direct to Marrakech from Liverpool and London. Never once complained - however this transaction is so bizarre that firstly it is pointless booking a one way ticket to Madrid from Manchester then waiting around couple of hours to fly out from Madrid to Tangier. Now from Tangier to my hometown is further 5 hours drive to Marrkech when I could easily book direct flight to Marrakech and be there in my house within 3.5 hours from the UK. Between the connecting flights there isnt much time to explore, its a one big rush to one side of the airport to another. I say pointless because having 3 children and making them rush to one gate to another would be foolish and injustice. I have also offered the bank to check my previous travels that it will show that I have always travelled direct without any stops. I have no family, friends or flats in Madrid and Tangier and I feel that Halifax is being so unhelpful by applying pressure that I should make this payment. Please could you advice what I can do? Regards
  13. momon121

    Fine for v5c

    In July I did a part exchange with a motor trader, I completed the part 9 as I was no longer the registered keeper of that vehicle. I immediately posted the part 9 to DVLA to inform them that I am no longer the owner of the vehicle. It would appear that DVLA has not recieved my completed slip and thus imposing a fine for failing to inform that my vehicle had been sold to a motor trader. Hope that clarifies any confusion
  14. momon121

    Fine for v5c

    Hi In July I purchased a van and on the same day I completed the part 9 of the V5C and posted it. At the time I did not get proof of postage however after few weeks now DVLA are now issuing me with a fine of £80 as I have not declared. They have asked to me provide proof and I did made a copy of the original V5C before posting it now even then at this juncture they are not happy with the evidence. They are demanding that i have to pay the £80. I strongly disagree with their decision as it was not my fault if my post went missing. Is there anything I can do to challenge this late licensing penalty. Thank you for reading
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