Anyone tried to get a chargeback for flight cancellation?

limabromac · 20-05-2020 1:18pm

endofrainbow wrote: »

I can't see the bank doing a chargeback if you've already applied for a refund. That would be double dipping, no?

Since no customer has any money refunded right now they are entitled to try and get their money back through any path that is open to them... Whichever option pays first cancels out any other path...I don't think any customer is interested in Double Dipping as you put it..

paddy19 · 20-05-2020 4:04pm

syndrome777 wrote: »

Also I have travel insurance taken before all this covid started.
And in T&C there is compulsory quarantine mentioned.
"the compulsory quarantine on the order of a treating Doctor of
the Person Insured or a Travelling Companion provided that such
Cancellation, Curtailment or Rearrangement is confirmed as
medically necessary by a Doctor;"

Now this was not by a Doctor but a whole country was locked so I presume that counts?

Would they refund cancelled flight in the case where airlines are offering refunds/vouchers...but you jst have to wait months for them?

any ideas?

Dr Leo Varadkar might be a bit of a stretch

But why not ask your GP to provide evidence of compulsory quarantine?

AIB are way out of line.

The service has not been delivered.
The airline will not commit to a date for a refund.
This falls well within a chargeback requirement.
The law is clear a cash refund is due within 7 days
Just because thousands of people could apply is no reason to stop.
There is no issue of double dipping since the airline would refund to the card anyway.

Bank Of Ireland are doing it.
What's stopping AIB except laziness?

paddy19 · 20-05-2020 4:21pm

Mastercard Chargeback Dec 2018 Page 48.

Chargeback Condition. The cardholder contacted the issuer claiming all of the following:

• The cardholder contacted the merchant, or attempted to contact the merchant, to resolve the dispute
• The merchant refused to adjust the price, repair or replace the goods or other things of value, or issue a credit

And one of the following:
• The merchant did not honor the terms and conditions of the contract with the cardholder including,
but not limited to, 100 percent money back guarantee, written promises, or return policy.

paddy19 · 20-05-2020 4:30pm

Interesting view on differences between chargebacks for credit cards and debit cards.

As the yanks would say it all depends who has skin in the game!

A Visa credit cardholder requests a chargeback:

The issuer, who loaned the money to the cardholder for the transaction, realizes the “loan” might go unpaid.
The bank has a vested interest in ensuring quick chargeback resolution.
It’s in the bank’s best interest to keep customers happy, which could mean
deciding against the merchant without fully investigating the claim.

A Visa debit cardholder requests a chargeback:

The issuer has no vested interest, as the funds from a debit transaction
come directly from the cardholder’s account.
Because it isn’t a high priority, the process can drag out over weeks or even months.
A debit chargeback doesn’t ensure a refund for the full amount;
in fact, there’s a chance nothing will be reimbursed.

https://chargebacks911.com/visa-debit-chargeback/

.G. · 20-05-2020 8:00pm

As I mentioned in these parts at the time I successfully got a chargeback from N26 on my Mastercard debit card within a week of N26 opening it for me with them. I've had two more flights cancelled now so in 30 days time I will be in this process again only this time with a KBC issued Mastercard debit. Will be interesting to see if there are any differences in approach from the two banks.

paddy19 · 20-05-2020 9:26pm

Anyone had any experience with Avantcard.

In their Covid advise they state:

If the airline cancels the flights, or hotel cancels the accommodation and offers a refund within a certain time frame, you should give them at least 15 business days to process the refunds, and in the event they do not, you should contact us to investigate for you.

Sounds promising.

Anyone experience the reality?

CiboC · 20-05-2020 9:37pm

I had a ticket booked with United Airlines for travel on 25th may. Flight is cancelled, and I don't want it now anyway as it was for a now cancelled conference.

Rang them a few days ago and they told me they will give me a full refund.

They have an odd pricing system where you pay a core fare and then a lot of add-ons, but the refunds started hitting my account today.....

keng66 · 21-05-2020 9:17am

keng66 wrote: »

I looked for a chargeback from VISA, got a letter saying not their problem and I should accept a voucher for €2K will KLM,

Just wondering if anyone had any joy with Travel Insurance, my flights were not until 13th May so need to wait but expecting them to just tell me to contact the airline, no one wants to accept responsibility and pay up.

On a side note, was going to Russia and had booked train tickets from St. Petersburg to Moscow costing €700. I emailed them on Easter Monday and the money was back on my card on the Wednesday, more than impressed, thought it would be major grief,

Just an update, I got the chargeback from TSB VISA this morning for the €2K, took a while but just keep putting the pressure on them for anyone else in the same possition

MarkY91 · 21-05-2020 9:24am

Revolut saw on my agents website that it can take up to 12 weeks for a refund (agency aren't even interested in communication nevermind a refund) so until 12 weeks, Revolut aren't that interested in my charge back claim...over €1300 at stake ffs.

Royale with Cheese · 21-05-2020 10:33am

.G. wrote: »

As I mentioned in these parts at the time I successfully got a chargeback from N26 on my Mastercard debit card within a week of N26 opening it for me with them. I've had two more flights cancelled now so in 30 days time I will be in this process again only this time with a KBC issued Mastercard debit. Will be interesting to see if there are any differences in approach from the two banks.

I rang KBC card services about doing a chargeback on Transavia in April. They told me to email proof of purchase and cancellation without refund and I should get the money back in a few days.

Over a week later I got a letter from KBC in Dublin saying they needed me to sign some form merely to just start the process, and made me mail the same proof of purchase/cancellation that I had already emailed them. The letter stated I had 14 days to reply or they wouldn't investigate the claim for me but the letter they sent me was dated over a week old by the time I actually got it. I replied the next day anyway and have heard nothing since. Any dealings I've had with KBC previously have been woeful so I'm not holding my breath here.

Aint Eazy Being Cheezy · 21-05-2020 1:53pm

I insisted a chargeback on my credit card with Ulster Bank online. I never received any text/email confirmation, or any kind of acknowledgment whatsoever. UBs phonelines say not to call them about chargebacks, so I’ve no way to know if my claim is even processing. Anyone else in this position?

.G. · 21-05-2020 6:20pm

Royale with Cheese wrote: »

I rang KBC card services about doing a chargeback on Transavia in April. They told me to email proof of purchase and cancellation without refund and I should get the money back in a few days.

Over a week later I got a letter from KBC in Dublin saying they needed me to sign some form merely to just start the process, and made me mail the same proof of purchase/cancellation that I had already emailed them. The letter stated I had 14 days to reply or they wouldn't investigate the claim for me but the letter they sent me was dated over a week old by the time I actually got it. I replied the next day anyway and have heard nothing since. Any dealings I've had with KBC previously have been woeful so I'm not holding my breath here.

Was gutted when I realised I bought these flights with them and not N26 like I thought I had.

Anyway we'll see how it goes but I won't be the sit back and wait kind, I'll be hounding them daily about it.

buzz11 · 22-05-2020 10:37am

I started a charge-back with AIB for Aer Lingus flights which were cancelled, I posted documents to them on 30th April and received full chargeback refund on 21st May so about 3-4 weeks in all.

Very easy process with AIB and good service.

Living Off The Splash · 22-05-2020 10:43am

Aint Eazy Being Cheezy wrote: »

I insisted a chargeback on my credit card with Ulster Bank online. I never received any text/email confirmation, or any kind of acknowledgment whatsoever. UBs phonelines say not to call them about chargebacks, so I’ve no way to know if my claim is even processing. Anyone else in this position?

I arranged a chargeback through Ulster Bank on a Hotel that I had booked and would not refund payment. At the same time I was hounding the hotel via email and through social media. I even managed to get the CEO's email address and I sent one off to him.

I eventually got an email from the hotel to say that they were going to refund me. After a long period I also got an email from Ulster bank saying that they had credited my account with the refund.

The hotel claimed that they had given it. Ulster Bank claimed that they had taken it.

I have no idea what happened. Ulster Bank were very poor communication wise.

syndrome777 · 22-05-2020 10:44am

buzz11 wrote: »

I started a charge-back with AIB for Aer Lingus flights which were cancelled, I posted documents to them on 30th April and received full chargeback refund on 21st May so about 3-4 weeks in all.

Very easy process with AIB and good service.

I just send my in to them day before yday. For 6 flights between AL and R.

Have to more but waiting on R to send me vouchers to send it all.

Royale with Cheese · 22-05-2020 12:24pm

.G. wrote: »

Was gutted when I realised I bought these flights with them and not N26 like I thought I had.

Anyway we'll see how it goes but I won't be the sit back and wait kind, I'll be hounding them daily about it.

Got a letter from them this morning dated May 12th stating I never mailed them the form they asked for... why did I expect this to go any differently.

Anyway I call their card services line and eventually am told they have everything they need and are working on the case, and to ignore the letter. But she then calls me back 5 minutes later stating they need proof I contacted the airline myself requesting a refund, which I never did as they flat our just weren't doing refunds.

I filled in Transavia's contact form now telling them I reject their crappy voucher and want a full cash refund, I'm not expecting a response so hopefully KBC won't dick around waiting weeks for one before they progress my case any further. Interestingly looking at Transavia's website, they are now offering the choice of a refund for all flights after June 4th, why is it that they don't have this option for flights before then?

paddy19 · 22-05-2020 12:53pm

syndrome777 wrote: »

I just send my in to them day before yday. For 6 flights between AL and R.

Have to more but waiting on R to send me vouchers to send it all.

Are they accepting vouchers as proof you requested a refund from Ryanair.

I thought you might have to give copies of the email or screenshot popup saying you were already in the refund queue.

.G. · 22-05-2020 5:31pm

Royale with Cheese wrote: »

Got a letter from them this morning dated May 12th stating I never mailed them the form they asked for... why did I expect this to go any differently.

Anyway I call their card services line and eventually am told they have everything they need and are working on the case, and to ignore the letter. But she then calls me back 5 minutes later stating they need proof I contacted the airline myself requesting a refund, which I never did as they flat our just weren't doing refunds.

I filled in Transavia's contact form now telling them I reject their crappy voucher and want a full cash refund, I'm not expecting a response so hopefully KBC won't dick around waiting weeks for one before they progress my case any further. Interestingly looking at Transavia's website, they are now offering the choice of a refund for all flights after June 4th, why is it that they don't have this option for flights before then?

I was told to wait 30 days from the date I applied for my refund before I could start the chargeback so If you've only just asked for it now you will be waiting. The 30 days is a Mastercard thing. Once the 30 days was up N26 started my claim and I had the money back a week later.

Royale with Cheese · 22-05-2020 6:19pm

Well Transavia came back to me within a few hours and said that while I'm legally entitled to a refund, I can fúck off. So I don't see how waiting another 30 days will make a difference here.

syndrome777 · 22-05-2020 7:40pm

paddy19 wrote: »

Are they accepting vouchers as proof you requested a refund from Ryanair.

I thought you might have to give copies of the email or screenshot popup saying you were already in the refund queue.

I have SS of the this where is says "once approved your refund request will be processed within 20 days...."

and then email saying bla bla here is the voucher instead.

But for my last flights canceled or June, the site was broken when I send in y refund request so I couldn't snap the screen, but once I get the voucher again I will write to them and explain.

I was waiting more than a month since applying for refunds for the flights I send my papers for chargebeck.

paddy19 · 22-05-2020 7:53pm

Royale with Cheese wrote: »

Well Transavia came back to me within a few hours and said that while I'm legally entitled to a refund, I can fúck off. So I don't see how waiting another 30 days will make a difference here.

This waiting 20 or 30 days is BS when the supplier has flat out refused.
I'd hustle and see what they come back with.

Aint Eazy Being Cheezy · 23-05-2020 10:16am

Aint Eazy Being Cheezy wrote: »

I insisted a chargeback on my credit card with Ulster Bank online. I never received any text/email confirmation, or any kind of acknowledgment whatsoever. UBs phonelines say not to call them about chargebacks, so I’ve no way to know if my claim is even processing. Anyone else in this position?

Got email confirmation. I paid Expedia for the flights & hotel booking, but when I looked at my statement, the payment was divided into 2 parts, with Air France receiving their amount directly. As they’re the ones refusing to refund, that’s the transaction I applied to reverse. I have enough emails from both Expedia & AF themselves to state that they’re refusing to refund, so hopefully they’ll allow it.

paddy19 · 23-05-2020 10:57am

It's interesting that Air France get the money separately.

EU261 does not recognise intermediaries for flights.
It considers that the airline is responsible for the refund.

This is in direct opposite to Irish contract law where your contract and refund is
owned by the travel agent.

paddy19 · 26-05-2020 8:02pm

Reposted from the one and only refund thread:

Monksp wrote: »

Avant chargeback came through yesterday for Ryanair flights. I had started chargeback process on 21/4.

Good on you and avantcard, getting money out of Ryanair is a major achievement.

Cal04 · 27-05-2020 8:00am

I had booked a week in spain with alpharooms, paid over 300e and balance of 700 due in two weeks time. Ryanair cancelled flights. Can't get reply from alpharooms. Can I apply for chargeback

limabromac · 27-05-2020 8:26am

Still no word from AIB on my chargeback 5 weeks ago... Going to write a complaint to the financial ombudsman.... Can I ask for some assistance with wording please...?? (And thankyou)

Wuff Wuff · 27-05-2020 10:43am

Date (of sending the letter day/month/year)

Name of owner/manager of business/shop
Full address of owner/shop/business

Dear (insert owner/manager’s name or Sir/Madam)

On (insert date of purchase) I bought (description of the service, include any details which will make the service identifiable to the company). I attach a copy of my receipt for your information. (see ‘notes to consumer’ document)

I am writing to you because (outline the problem, for example:)
• The service was not carried out with the necessary skill
• The service was not carried out with proper care and attention
• The materials used were not of acceptable quality

On (insert date) I rang and spoke to (insert name of person you spoke to) but (insert outcome here, for example ‘I have heard nothing further since’ or ‘I am not satisfied with the response I received’).

According to the Competition and Consumer Protection Commission’s website www.ccpc.ie, if a consumer has a contract with a service supplier the consumer can expect that:

• The service is provided with proper care and attention
• The supplier has the appropriate skills to do the job
• Any materials used in the work are sound and fit for their purpose
• Any goods supplied as part of the service should be of acceptable quality

Under consumer law my contract is with (name business) as the supplier of the service and as such I am writing to you to seek (state what you want the supplier to do e.g. offer a repair, replacement or a refund).

I would appreciate your response within 10 working days. If you wish to discuss this further, I am contactable by telephone/email at (insert daytime number/email address –optional).

Yours sincerely,

__________________________(signature)
(Print your name here)

limabromac · 27-05-2020 10:47am

Wuff Wuff wrote: »

Date (of sending the letter day/month/year)

Name of owner/manager of business/shop
Full address of owner/shop/business

Dear (insert owner/manager’s name or Sir/Madam)

On (insert date of purchase) I bought (description of the service, include any details which will make the service identifiable to the company). I attach a copy of my receipt for your information. (see ‘notes to consumer’ document)

I am writing to you because (outline the problem, for example:)
• The service was not carried out with the necessary skill
• The service was not carried out with proper care and attention
• The materials used were not of acceptable quality

On (insert date) I rang and spoke to (insert name of person you spoke to) but (insert outcome here, for example ‘I have heard nothing further since’ or ‘I am not satisfied with the response I received’).

According to the Competition and Consumer Protection Commission’s website www.ccpc.ie, if a consumer has a contract with a service supplier the consumer can expect that:

• The service is provided with proper care and attention
• The supplier has the appropriate skills to do the job
• Any materials used in the work are sound and fit for their purpose
• Any goods supplied as part of the service should be of acceptable quality

Under consumer law my contract is with (name business) as the supplier of the service and as such I am writing to you to seek (state what you want the supplier to do e.g. offer a repair, replacement or a refund).

I would appreciate your response within 10 working days. If you wish to discuss this further, I am contactable by telephone/email at (insert daytime number/email address –optional).

Yours sincerely,

__________________________(signature)
(Print your name here)

Great letter .. thankyou very much...

It's been 5 weeks since I initiated a chargeback with AIB..I get the feeling they are doing nothing about my dispute at all..so I need to take it a step further. .

Wuff Wuff · 27-05-2020 10:49am

limabromac wrote: »

Great letter .. thankyou very much...

It's been 5 weeks since I initiated a chargeback with AIB..I get the feeling they are doing nothing about my dispute at all..so I need to take it a step further. .

i initiated one with Revolut (who i think use AIB here) and they said it can take 45 days and if no response is rec'd from Ryanair its awarded in my favour.

just waiting on Ryanair now to contest it on Day 44 at 11.59pm or whatever would be typical of them haha

syndrome777 · 27-05-2020 12:40pm

limabromac wrote: »

Great letter .. thankyou very much...

It's been 5 weeks since I initiated a chargeback with AIB..I get the feeling they are doing nothing about my dispute at all..so I need to take it a step further. .

did AIB let you know they accepted your chargback papers? did you do it through the post?

just asking as I've send them everything last Wed and nothing back if they received it or not

limabromac · 27-05-2020 1:30pm

syndrome777 wrote: »

did AIB let you know they accepted your chargback papers? did you do it through the post?

just asking as I've send them everything last Wed and nothing back if they received it or not

They let me nothing at all...they barely wouldn't take the claim until I rang them back the next day. ..initially they said visa international and the govt wouldn't allow the claim...so I called them back and expressed my dissatisfaction...
I sent them the form by post, no word so ialled them up two weeks later ..they said send everything (proof) in by email which I did and I got an email the next day confirming that they have received everything but yo not contact them as there is no time limit on the dispute...I posted their response in this thread.

syndrome777 · 27-05-2020 1:34pm

limabromac wrote: »

They let me nothing at all...they barely wouldn't take the claim until I rang them back the next day. ..initially they said visa international and the govt wouldn't allow the claim...so I called them back and expressed my dissatisfaction...
I sent them the form by post, no word so ialled them up two weeks later ..they said send everything (proof) in by email which I did and I got an email the next day confirming that they have received everything but yo not contact them as there is no time limit on the dispute...I posted their response in this thread.

wow :mad:

can you please tell me what mail did you use to contact them?

i've seen people saying some of them got chargback from AIB

limabromac · 27-05-2020 1:38pm

syndrome777 wrote: »

wow :mad:

can you please tell me what mail did you use to contact them?

i've seen people saying some of them got chargback from AIB

. ...I haven't seen this unfortunately.... I've seen boi and n26 but aib and ryanair must be in cahoots...

Below is the mail I received from them...they contacted me to say this...charge.back@aib.ie is the address it came from...

Thank you for your documents to the disputed transaction. We have attached it to your file. We are unable to discuss chargeback disputes via e-mail, but once we have an update we will be in touch with you via post.

Please be advised that this email address is to receive documentation only.

We are currently receiving a higher than normal amount of disputes and we are unable to provide any timeframe for your dispute.

If you have any queries please contact one of our customer service advisors on the number on the back of your card.

Kind Regards,

syndrome777 · 27-05-2020 2:09pm

limabromac wrote: »

. ...I haven't seen this unfortunately.... I've seen boi and n26 but aib and ryanair must be in cahoots...

Below is the mail I received from them...they contacted me to say this...charge.back@aib.ie is the address it came from...

Thank you for your documents to the disputed transaction. We have attached it to your file. We are unable to discuss chargeback disputes via e-mail, but once we have an update we will be in touch with you via post.

Please be advised that this email address is to receive documentation only.

We are currently receiving a higher than normal amount of disputes and we are unable to provide any timeframe for your dispute.

If you have any queries please contact one of our customer service advisors on the number on the back of your card.

Kind Regards,

thank you

I am reading their T&C's and can't find for the life of me where this fall under

https://aib.ie/content/dam/aib/personal/docs/our-products/current-accounts/aib-debit-card-terms-and-conditions-of-use.pdf

maybe this
3.11 To request a refund of a Transaction you have authorised, you must contact us within 8 weeks of the date of the Transaction
being debited from your Account. If we are satisfied you are entitled to a refund, we will refund you within 10 Business Days
of your request or provide reasons for refusing the refund.
To calculate the 10 Business Day period, we will take it that your request has been made when you provide us with all
information we reasonably consider relevant to assess your claim. If we refuse to refund you and you are not satisfied with our
reasons, you may wish to log a complaint as set out in the ‘Complaints’ heading in the ‘How we can contact each other’ section.

but in this case it would be more like 8 weeks from "the agreed date of delivery" as per CCPC https://www.ccpc.ie/consumers/shopping/disputed-card-transactions-chargeback/

maybe they have something like that in their Credit Card T&C's

just want to see the facts before I ring them.

limabromac · 27-05-2020 2:27pm

syndrome777 wrote: »

thank you

I am reading their T&C's and can't find for the life of me where this fall under

https://aib.ie/content/dam/aib/personal/docs/our-products/current-accounts/aib-debit-card-terms-and-conditions-of-use.pdf

maybe this
3.11 To request a refund of a Transaction you have authorised, you must contact us within 8 weeks of the date of the Transaction
being debited from your Account. If we are satisfied you are entitled to a refund, we will refund you within 10 Business Days
of your request or provide reasons for refusing the refund.
To calculate the 10 Business Day period, we will take it that your request has been made when you provide us with all
information we reasonably consider relevant to assess your claim. If we refuse to refund you and you are not satisfied with our
reasons, you may wish to log a complaint as set out in the ‘Complaints’ heading in the ‘How we can contact each other’ section.

but in this case it would be more like 8 weeks from "the agreed date of delivery" as per CCPC https://www.ccpc.ie/consumers/shopping/disputed-card-transactions-chargeback/

maybe they have something like that in their Credit Card T&C's

just want to see the facts before I ring them.

Because it's a flight the date of the flight is important as that's the date the goods and services weren't received as opposed to the date they were paid for....
Judging by the form online you can claim a charge back once the goods haven't been received...

Part of the form below...

AIB chargeback Dispute Transaction Form
Use this form if there is a transaction on your account that doesn’t look right or you have a query with.
Please select the card type that you have the query on Visa Debit Credit Card
Name Address
Card number (just the last 4 digits) Mobile Number
Date of the Transaction Name of the retailer
Here are some categories to help you. If you need to give us more information, let us know in a covering letter and attach any
documents that you think might help.
Tick What type of a dispute is it? Documents we need to see.
1. I didn’t get the goods or services that I ordered. o Proof that you contacted the shop, supplier or seller, for
example an email, letter or fax.
o Copy of invoice if there is one. If there isn’t one, describe
what you tried to buy.
o If you were dealing with a travel operator or an airline that
has gone into liquidation we need proof that the transaction
is not covered by a bonding authority

2. I didn’t get a refund when I was supposed to o Once 15 days have passed since the transaction and you still
have not received the refund, send us the receipt for the
refund from the sales terminal

syndrome777 · 27-05-2020 2:42pm

limabromac wrote: »

Because it's a flight the date of the flight is important as that's the date the goods and services weren't received as opposed to the date they were paid for....
Judging by the form online you can claim a charge back once the goods haven't been received...

Part of the form below...

AIB chargeback Dispute Transaction Form
Use this form if there is a transaction on your account that doesn’t look right or you have a query with.
Please select the card type that you have the query on Visa Debit Credit Card
Name Address
Card number (just the last 4 digits) Mobile Number
Date of the Transaction Name of the retailer
Here are some categories to help you. If you need to give us more information, let us know in a covering letter and attach any
documents that you think might help.
Tick What type of a dispute is it? Documents we need to see.
1. I didn’t get the goods or services that I ordered. o Proof that you contacted the shop, supplier or seller, for
example an email, letter or fax.
o Copy of invoice if there is one. If there isn’t one, describe
what you tried to buy.
o If you were dealing with a travel operator or an airline that
has gone into liquidation we need proof that the transaction
is not covered by a bonding authority

2. I didn’t get a refund when I was supposed to o Once 15 days have passed since the transaction and you still
have not received the refund, send us the receipt for the
refund from the sales terminal

I just rang them They did not receive my docs yet.
Your man was asking who told me to fill that form....well it says on your page.

So now he says he will flag and dispute all rynair and air lingus charges on my card. then they will contact me to tell me to send the docs and then they will advise how long it will take.

limabromac · 27-05-2020 2:56pm

syndrome777 wrote: »

I just rang them They did not receive my docs yet.
Your man was asking who told me to fill that form....well it says on your page.

So now he says he will flag and dispute all rynair and air lingus charges on my card. then they will contact me to tell me to send the docs and then they will advise how long it will take.

Cool...See if you can send them by email so they don't lose them...my email was very long with all the proof... ; )

syndrome777 · 27-05-2020 8:21pm

limabromac wrote: »

Cool...See if you can send them by email so they don't lose them...my email was very long with all the proof... ; )

AIB has all laid out in their Merchant services, under "Dealing with chargebacks"

https://www.aibms.com/wp-content/uploads/2018/10/HR_ABM01K00293_Chargeback_Handbook_A4_2018_Update.pdf

It clearly states there is a `10 day limit for merchant to respond, so how are these 5 weeks and all these games possible by the bank?

so how are same rules not applicable to us as consumers requesting a charcgback?
Isn't AIB Rynairs bank, even if it isn't the same/rules apply to other banks.

Busterie · 27-05-2020 8:28pm

I got an email today to say we are getting €2200 refunded for a cancelled trip to Australia

limabromac · 27-05-2020 8:36pm

syndrome777 wrote: »

AIB has all laid out in their Merchant services, under "Dealing with chargebacks"

https://www.aibms.com/wp-content/uploads/2018/10/HR_ABM01K00293_Chargeback_Handbook_A4_2018_Update.pdf

It clearly states there is a `10 day limit for merchant to respond, so how are these 5 weeks and all these games possible by the bank?

so how are same rules not applicable to us as consumers requesting a charcgback?
Isn't AIB Rynairs bank, even if it isn't the same/rules apply to other banks.

Covid 19 is an exceptional unprecedented circumstance...that's how anyone that owes anyone money can break the rules... Aib and ryanair are definitely working together on this..straight away their dispute form said that they cannot issue chargebacks during this crisis...that extra piece has now been removed from their Dispute form.. paddy posted it here a while ago... shocking stuff from AIB.

paddy19 · 29-05-2020 7:12pm

copy from one and only refund thread:

footloose32 wrote: »

BOI Mastercard chargeback hit my account today.
Sent the chargeback form to BOI a couple of days after my Ryanair flights were cancelled, only took 3 weeks from cancellation to refund

Excellent.

Fair dues to B of I they are showing the rest of the banks that there
is no need for these nonsensical 30 day waits and all that crap.

Sheridan81 · 31-05-2020 4:34pm

I got a quick chargeback from Bank Of Ireland for Flybe flights. No issues at all. Thanks BOI!

Caranica · 31-05-2020 5:19pm

Sheridan81 wrote: »

I got a quick chargeback from Bank Of Ireland for Flybe flights. No issues at all. Thanks BOI!

Everyone refunded quickly for Flybe, airline no longer exists so was clear as day. Flights cancelled due to Covid are a whole other matter.

manster · 01-06-2020 10:56am

manster wrote: »

Rang Avantcard, spoke to a lovely lady working from home. Told her my story about Ryanair cancelling flight and offering voucher when I asked for a cash refund. Gave flight details, was asked to forward on emails received so far (flight cancellation and email offering voucher) to a specific email address. Told wait 30 days and expect a refund. Mastercard

Update: I sent the above post on 23rd April. Checked my online credit card transactions and 2 credits were added on 28th May. Fair play to Avantcard and MasterCard. Well done too to the helpful posters on this thread. Chargeback is the way to go

Living Off The Splash · 01-06-2020 1:45pm

Ryanair have sent me an email to say that they are working through their backlog. Has anybody received refunds from them yet?

limabromac · 01-06-2020 1:49pm

Living Off The Splash wrote: »

Ryanair have sent me an email to say that they are working through their backlog. Has anybody received refunds from them yet?

On "The one and only refund thread" (page 50 onwards) some people have had a direct refund from ryanair...their flights were March. ...

limabromac · 02-06-2020 10:50am

A little update... I called AIB this morning to see if there was any new news on my chargeback dispute from ryanair.... I started this on the 21st April...the CSA said that it had been approved and that I would see it crediting my card account soon.... Am I in shock, yes....

Royale with Cheese · 03-06-2020 2:59pm

I received a letter from KBC yesterday telling me my chargeback against Transavia has been provisionally approved pending they receive my proof of requesting a refund from the airline. They will rescind the refund if I don't get them this within 14 days. I emailed it to them last week though and actually haven't gotten any money back off them yet... Standard fare from KBC but having something in writing saying my case has been approved is promising.

VG31 · 03-06-2020 3:57pm

I just had a very positive chargeback experience with Revolut for my Aer Lingus flight in August that was cancelled a month ago.

I applied for a chargeback on 25 May and Revolut contacted me in the chat today to inform me that they had issued an advance refund. They said that Aer Lingus has 48 days to respond and if they don't respond the case will automatically be marked as won. Presumably this is the last I will hear of it as I highly doubt Aer Lingus will dispute it.

I'm very impressed with the speed that I got my money back. I only did a chargeback once before with Revolut (about a year ago) and I had to wait the full 48 days before I received the refund.

.G. · 03-06-2020 4:54pm

Mad how the banks have staff available to process chargebacks but Ryanair can't figure it out for refunds!

Anyone tried to get a chargeback for flight cancellation?

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