I have just paid for a hotel using my debit card (Halifax Visa), and the firm I booked it with (go2spain.co.uk) have just gone under. They have not paid for my hotel, so I have had to rebook and pay again, loosing the payment I have made to go2spain. Obviously I now want to get this money back.
I have read about the farepack saga, where some people were able to claim their money back using the Visa debit chargeback scheme, I tried this with my bank (Halifax), but they vigorously denied that this scheme exists, and when I asked to speak to a supervisor, they cut me off! Is there anywhere where this scheme is set out in black and white, so I have something solid to quote at the bank?
The other way I am looking at getting my money back is via section 75 CCA, I know this normally only applies to credit cards, but I read on the Financial Ombudsman Service site that if you have an overdraft facility, and use the debit card to create or increase the overdraft, then the card becomes a 'credit token' under the term of the CCA. The comments on the FOS site refer to using the card in cash machines, but if the card is defined as a 'credit token' under the act, even though it is a debit card, would it then get full section 75 protection? (in the case of my payment, the card was used to increase my overdraft)
Failing all this, how do I go about claiming from the liquidators?
Thanks in advance for any help on this.