Hi, we booked a Villa in Croatia for Aug 2020 for my wife's 30th birthday, we already paid the deposit and the final payment is due in a month. Obviously the Covid19 situation is a concern but we still very much intend to travel if things improve. However, I was looking on the T&C for the management agents today just in case things don't improve and we are prohibited from travel as a direct impact of Covid19, and it clearly states on the T&C that in event of a 'force majeure' (natural disasters and epidemic) they WILL retain our payment.
I spoke to a Tesco Bank representative today and I was told that requesting a chargeback successfully on my credit card will depend on the T&C. This is quite worrying for me because the whole point of paying on my credit card is to be protected from such incident.
Now I am unsure and confused on the appropriate action to take and Tesco Bank are not giving me definitive advise.
Like I said, we have every intention of travelling (honouring our booking) if permitted to travel; however, my question is that as I paid the deposit and plan to pay all subsequent payments on my credit card, am I protected in any way or not?
Because that will determine if;
1. I should stop the final payment due next month (June). Because knowing that I may possibly lose all of the money eventually (including deposit) if not protected under credit card chargeback, this might be the smartest idea.
(Please note: If I do this, then they definitely have the right to keep our deposit as they have not officially cancelled the booking themselves and I will be in breach of contract). or;
2. I should keep up payments (final payment due next month - June). That way if I know that we are definitely protected under credit card chargeback and unable to travel due to covid-19, we can fully claim for everything including deposit.
I really need solid advice from Tesco here, because I don't want to do the stupid thing here and lose 1000's either way due to Covid19 uncertainties.
If Tesco Bank is categorically telling me that successful charge back to credit card is tantamount to the vendors T&C, then it's sounding like the vendor has all the protection in this unfortunate Covid19 crisis at the expense of us as Tesco Bank customers.
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How we collect and use your personal data
Tesco Personal Finance plc, trading as Tesco Bank as part of the Tesco Group take the security of your data seriously. We want you to be confident that your data is safe and secure with us and understand how we use it.
We collect data when you browse our website (e.g. your IP address) and register for the Community. To find out more about how we use your data, our legal basis for processing your data and your rights under data protection laws please view our Privacy Policy.
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Tesco Bank Community Terms of Service v 1.0
The Tesco Bank online community ('Your Community') is for Tesco Bank customers, staff, contributors and supporters to discuss products, services, issues and matters of general interest. Your Community content may be viewed by both members and non-members.
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Modifying these Terms of Service
We reserve the right, in our sole discretion, to modify these Terms of Service at any time without notice. Modified Terms of Service are effective as soon as they are posted. We also reserve the right to waive or modify any of these Terms of Service as they apply to a specific posting, communication or user without affecting the application of these Terms of Service to all other postings, communications and users. Your continued use of Your Community, or any content or services accessible through it, after modified Terms of Service are posted means you accept the modifications. We may also make any changes to the look and feel of Your Community at any time without notice.
RossM
