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    • Thank you all for your replies  I am obviuously over thinking things best to continue to ignore  onlymeagain  
    • As advised statute barred debts are dead...if your alive or dead......so are CCJs that are over  6 years old and have never been executed or secured against property by way of a charging order.......no matter how much your estate is worth.
    • I booked several rooms with FABHOTELS.COM - I have made sure the rooms were cancellable    due to the condition in India regarding Covid becoming very bad I cancelled the rooms and my visit to India and will not be travelling for the foreseeable future, I then checked my account and they have stated there can be no refund back to my card but I have to accept their room credits to the value of £478 valid for 12 months when they will then expire if I do not use them by that date,   I have contacted them on several telephone numbers and via email, they have refused to issue a refund : stating it is their policy to issue only rooms credits and these will expire in 12 months, they have advised they have the right to do this under the contract and under Indian law,   I have raised a SEC 75 claim, via the credit card company however they have not advised what the above means and stated it will take 11 weeks for a response,   I am concerned that a refund has been provided and the cancellation has been approved as such as a refundable cancellation, albeit they have stated no refund to the credit card can be made. I have sent the following to them and their response has been - we are unable to assist further - I have now concern how they can do this when the law does not allow this to be possible? The issue that I have experienced was:   Disgraceful behaviour by Fab hotels in holding cancelled bookings in an expiring account when cancelled fully - NO REFUND ISSUED? Please can you refund the full amount to my credit card as due to the Covid restrictions there is no guarantee I will be in India in next twenty four months I await your refund back to my with the Credit card Company as I am not able to use the Credits expiring in 12 Months, I have been in touch with the credit card Company and they have confirmed they will be looking to FabHotels to refund back to the Original card as part of the Sec 75 Laws where a cancellation has been made and the payment has to be refunded back to the Original payment card. I have not been able to confirm I will be using the credits and therefore in order to safeguard my funds these needs to be back into my, If this is not accepted then I reserve the right to take the matter further for a investigation and chargeback as I have not authorised the payment and the reservations have been cancelled. Please can this be escalated to a senior manager and a refund issued back to the Visa card. If this is the Customer experience I have to endure then I will make it quite clear that this i not acceptable that you take money and put it into a expiring account and then ask me to contact you to get the extension,   this is not customer service, I am deeply distressed by your action as there are no other Booking agents who are doing this to their customers, especially considering the hotels have been accepted as cancelled and a refund issued but held in expiring account.
    • That's logical and correct DX,  and how I understood it to work if they can't pursue the debtor  for the debt whilst they are alive, it can't be resurrected and charged against the estate or demanded personally from executors who knew diddly about that SB debt..
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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hawker955

LloydsTSB and MBNA - a saga

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I am in the middle of a dispute with Dolphin bathrooms where they have spent approximately six months providing an abysmal service and outrageously poor workmanship for a guaranteed bathroom fit within 28 days and before Christmas. Fortunately and deliberately we paid via two credit cards splitting the payment between my MBNA mastercard and my wife's Lloyds TSB mastercard.

 

To cut a long story short, MBNA have been nothing but helpful and have refunded my payment as soon as possible after receiving copies of all correspondence between Dolphin and ourselves including dates, times, photos, and have even offered to help with compensation and the costs for a new builder to take out the faulty items (i.e. nearly everything in the bathroom!).

 

On the other hand, Lloyds have informed us that they "are not empowered to force a merchant into a particular course of action". Yet MBNA can, and have, or at least have marked out their position. Yet I have had a long and frustrating conversation with the manager of CCA claims at Lloyds TSB and she does not understand how MBNA have done what they have done, i.e. simply refunded our money and also has suggested that they (Lloyds) could refund only if Dolphin had gone out of business. I wish.

 

Lloyds TSB continue to be unhelpful and have referred us to Trading Standards despite us having told Lloyds, twice, that TSA have advised us to get the credit card companies to reclaim our money. This manager further stated that suing under section 75 was the only other step.

 

So, after all that, the questions are: are Lloyds TSB really not able to do the same as MBNA and simply take the money back?

Does chargeback not allow any card company to return money?

Would the ombudsman be any help at this stage (or any other)?

Any suggestions for a course of action other than or in addition to telling Lloyds TSB to pull their finger out?

 

Thanks in advance.

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