If you’ve got a hotel reservation in Plymouth for this weekend and you’re considering canceling because of the riots, you might be wondering if you’re entitled to a refund. Here’s a breakdown of what you need to know.
First things first, take a look at the hotel’s terms and conditions. Look specifically for any cancellation clauses related to emergencies or unsafe conditions like riots or natural disasters.
If the policy covers such situations, you might be able to get a refund, but it depends on the exact wording of the policy and whether the riots are still expected to impact Plymouth during your stay.
If the hotel’s policy doesn’t cover your situation, you might need to consider your legal rights. According to the Consumer Rights Act, services (like staying in a hotel) must be provided with “reasonable care and skill.”
This could mean that if the riots continue and the hotel can’t ensure your safety, you could argue that you have the right to cancel and get your money back.
If the hotel refuses to refund you, and you paid with a debit or credit card within the last 120 days, you might be able to request a chargeback.
If you used a credit card and the payment was over £100, you could make a Section 75 claim.
In either case, you’ll need to mention the Consumer Rights Act in your claim, arguing that the hotel is in breach of contract.
If you’ve been scammed by fraudsters pretending to be from the National Crime Agency, and your bank says they can’t help because you should have recognized the scam, here’s what you can do.
Understanding Bank Responsibilities
Most banks follow a voluntary code known as the Contingent Reimbursement Model Code (CRM Code). If your bank is signed up to this code, they are generally required to reimburse you for your losses unless certain exceptions apply.
The common exceptions include: 1) Ignoring warnings about scams; 2) Not acting on negative confirmation of payee results; and 3) Making a payment without a reasonable belief that the payee was legitimate.
If your bank is citing the first reason, you should challenge them by stating that you were unaware of the scam warnings.
Ask them to prove that they provided effective warnings. If they can’t, or if they refuse, escalate the issue to the Financial Ombudsman Service. Provide all correspondence with the bank and emphasize that they couldn’t prove effective warnings were given.
Starting October 7, new rules will require banks to refund scam victims who report the incident within a week, unless the victim was grossly negligent.
This article was published on TDPel Media. Thanks for reading!
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