Why wouldn’t anyone refund our cancelled cruise?

MY HUSBAND and I paid £4,693.20 for a cruise to the Azores. We were due to travel on March 24 last year but it was cancelled due to Covid on March 20.

On July 21 of last year, our travel company, Cruise & Maritime Voyages (part of South Quay Travel & Leisure), went into administration.

We submitted a claim to ABTA [the UK’s trade association for travel agents and tour operators]. It said that as we had paid by Barclays debit card we must apply to the bank for a refund via a dispute process known as chargeback.

Barclays refused. ABTA needs to know the reason for refusal before considering a refund. Barclays has ignored requests for a letter of explanation.

On November 6 last year, we asked the Financial Ombudsman for help. But it said it was unable to appoint an agent because it had a huge backlog of cases due to the pandemic.

M. V., Bexley, South-East London. Book and travel with confidence, says the ABTA website.

Well, any idea that an ABTA logo was a short route to holiday protection was blown apart by Covid cancellations.

Various sectors of the travel industry booted claims and clients between one another.

While air-based holidays fall under the responsibility of AToL [a financial protection scheme operated by the Civil Aviation Authority] when a firm fails, ABTA covers non flight-based holidays.

But read into its smaller print and it says that travellers must use chargeback if they paid by debit or credit card.

So I think it is legitimate to ask, what’s the point of ABTA?

When you tried chargeback via your bank, Barclays, Cruise & Maritime Voyages’s bank bounced back the requests.

You were credited for your first payment of £154. But the thirdparty bank refused the other three payments saying you would be protected by ABTA.

Your attempts to get more information from Barclays were frustrated because the person responding appeared to be under the impression that Cruise & Maritime Voyages was still in business, even though you told them it had ceased trading.

That advice that you contact the company directly suggests you were receiving ‘cut-and-paste’ responses from staff who had failed to read your letter properly. So you were stuck between ABTA telling you to ask for chargeback and Cruise & Maritime Voyages’s bank arguing you should use ABTA.

Barclays has now stepped in to fix the issue and acknowledges it had enough information to escalate the dispute. It has returned the remaining £4,539.20, plus £277.24 compensatory interest. You’ve also had £150 redress as apology.

Incidentally, the interest has had basic rate tax deducted. You may be able to reclaim the £69 tax from HMRC, using a form R40, if your total savings interest this tax year is less than £1,000.

An ABTA spokesman says: ‘If an ABTA tour operator fails financially, customers who have booked protected packages are entitled to a refund.’

That may be the case but there are plenty of complaints from Cruise & Maritime Voyages’s customers who have struggled getting refunds via chargebacks or from ABTA. A spokesman for the Financial ombudsman Service says: ‘We are sorry that we were unable to deal with this complaint more quickly.’

It says it received nearly 280,000 complaints last year and resolved nearly 250,000.

I CALLED an 0330 customer service number of a delivery firm from my TalkTalk mobile phone. TalkTalk has charged £163 claiming the call lasted for eight hours.

How could TalkTalk think that a customer would be on the phone to customer service for eight hours?

TalkTalk demanded instant payment and has now blocked my wife’s phone even though the call was made from my phone.

A. G., Edgware, North London. EIgHT hours does seem a little excessive. But, of course, there isn’t anybody looking at bills to decide whether they make sense. The computer rules, ok?

TalkTalk has now written off the £163 as a goodwill gesture and your wife’s phone is working.

MY HUSBAND passed away in February last year.

Whilst sorting through his papers, I found some old Axa Equity & Law distribution bonds in his name.

Since then, I have been trying to get a response from Aviva, which took over Axa Equity & Law investments.

I was told it could not find any records but would investigate. For several months I have heard nothing.

V. C., Salisbury, Wiltshire. IT SEEMS these bonds were cashed in more than two decades ago. Aviva accepts that it should have written to tell you this and apologises.

A spokesman says: ‘We’re sending some flowers as a goodwill gesture.’ ÷ WE LOVE hearing from our loyal readers, so ask that during this challenging time you write to us by email where possible, as we will not pick up letters sent to our postal address as regularly as usual. You can write to: asktony@dailymail.co.uk or, if you prefer, Ask Tony, Money Mail, Northcliffe House, 2 Derry Street, London W8 5TT — please include your daytime phone number, postal address and a separate note addressed to the offending organisation giving them permission to talk to Tony Hazell. We regret we cannot reply to individual letters. Please do not send original documents as we cannot take responsibility for them. No legal responsibility can be accepted by the Daily Mail for answers given.