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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
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Advice on making a claim against a credit card transaction

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Hi guys.



I am hoping for advice on claiming on my credit card for a recent problem I have had.


The story is:

A few months ago we purchased airline tickets, online for a return trip to New York from Heathrow and a one way flight from Heathrow to Oslo.

This was a set price deal, hence why the 3rd flight was one way.


As we were leaving New York to return to Heathrow we decided not to visit Oslo.

Out of courtesy we let the airline (Virgin) staff know.

They said there would be a small fee in order to remove our bags from the plane at Heathrow.

I appreciate this although, other people on the plane who were not booked would have had their bags removed as normal,

but still, I appreciate they are running a business and expected them to charge a handling fee, maybe £30 a person or something like that.


We were sent to a different desk.

Here we were told the charge would not be for the baggage removal,

but a new ticket as we were not taking the extra flight.



I was not happy with this - less flights should cost less money if anything surely!


We were charged £150 per person, which I had to use the credit card for

(putting me over my credit limit but had no choice as they refused to let us on the plane if we didn't pay there and then).


One of the staff who was stood next to the rude guy who charged us this managed to whisper to us whilst he was printing off some forms.

She said complain when we get home and “I’m sure they will just refund you”.


Upon returning to UK we have complained to Virgin customer service.

This was a waste of time and resulted in a very basic email response apologising that we were not happy with our experience.

I then escalated it through their complaints department.

Again it was a completely pointless exercise.

They fobbed us off with what seemed like a very generic response.


I have been in touch with my credit card company (Tesco)

who have suggested I claim for the original transaction as well as the second,

as I do not have a very good case to claim on the latter, since I agreed and signed for the transaction.


It's worth me mentioning, in the terms and condition when we purchased the original flights

there was no mention of any further charges being incurred if we did not go on the flights.

All we were told was 'no refunds for no show'.


I would appreciate any help or advice,



please remember I am asking for this in regards to making a claim on a credit card transaction,

not with making further complaints to Virgin Airways at this stage.



I have never done this before and



I really feel like this is my last chance and



last resort to get back some of the money that I feel we were unfairly charged.



Thanks, Damon.

Edited by dx100uk
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so they are advising a section 75 claim?




please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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Hi Hawk,


Spacing has been added to your post to make it legible.


I think you are unlikely to be successful in making a s.75 claim via your card provider.


In the event of such a claim, your CCard provider will raise a query/complaint with the airline's bank and I doubt you will get any result with this method.


In my opinion, your best move would be to make a formal written complaint to the airline by post, on the basis that the additional charges are unreasonable and disproportionate considering you didn't make the extra trip to Olso.



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