I booked a ticket using Curve card (underline Nationwide select credit card) from Birmingham-Mumbai and return flight from Mumbai-London. A big mistake. Shortsighted and tried to save few quids of credit card charges
A week before my scheduled return flight, Jet airways cancelled my flight as they were in financial trouble. I had to rebook the flight to return back.
Now, Jet airways had told me that they will provide ‘partial refund’ as I had used onward ticket already (but people have received only tax part of their ticket). I have raised a chargeback request with Curve saying that I did not receive the service I was promised and I would like refund for my whole ticket.
I had a lot of back and forth conversations with the Customer care executives over emails (more than 20 emails) and repeatedly was given either half or wrong information. In one of the most recent emails they told me my claim is not valid as airline tickets are not covered under chargeback scheme. I sent them the terms and conditions of charegeback which did not exclude air tickets.
Finally, Curve has rejected my chargeback claim saying “the merchant will provide me with partial refund so the chargeback claim is not valid”.
Now, Jet Airways has no money so even if I get some refund it will be minuscule as compared what I had paid. My argument was this is a failed service and I want a full refund. It looks like Curev did not even present my case to Mastercard, just replied saying they (Curve) do not seem it a proper claim.
Curve published there blogpost for Curve Customer protetction with a big fanfare but when you actually need it , don’t count on it, use credit cards. Even if you have to shell out extra charge for using the CC.
It seems going to the Financial Ombudsman is the only option left for me. In any case a big lesson here is never use Curve if there is a chance of using section 75 for your transaction. Can anyone please explain if I have a valid argument here?