Have you ever dreamed of doing a travel escapade? To take a journey of a thousand miles, away from home, apart from your daily routine and off to the great unknown. Working individuals always say this very popular travel quote “Jobs fills your pockets, Adventures fills your soul”. Yes, it is true that we all need to take a break from our everyday life and engage on activities that are quite fulfilling. We all have travel goals; it may be to a beautiful island somewhere in Maldives or Bora Bora, experience the culture and traditions of Asia or the amazing landscapes in the Azores in Portugal or the Dolomites in the north eastern part of Italy. Some would love to go to the amusement parks like the Disneyland in Paris France, Futuroscope in Poiters France, the Europa park in Germany and the Port Aventura in Spain. These are just a few of the travel goals the some people would love to spend their vacation out from their ordinary daily life. With those travel destinations brings happiness, experience and adventure not mentioning the different food and cuisines that are new and exciting to your palate.

Travel goal comes with a cost. You’ll need to at least be ready to spend a fortune in order to travel. Though you have worked all year round just to fill your pockets in order to have a great adventure, you can’t escape from the reality than you’ll need to use your credit cards or debit cards in booking flights and hotel reservations and the like. Some may even take out a travel insurance just to make sure they are well secured for their family dream vacation.

As the coronavirus pandemic led to a numerous travel cancellations, those individuals who have used their credit cards to book their flights and hotel reservations battled to get their money back. Those who availed travel insurances for their supposed holiday trip were not able to use their insurances at all and are also struggling in getting their money back. Others tried to settle with their travel provider in order to get a refund but some travel providers does not settle nor provide the refund.

According to the (Financial Conduct Authority) FCA, in any case the travel provider won’t provide you the refund you have three options. First option, you can ask help from your credit card or debit card provider for a refund claim. Second option, you can reclaim your money back from the travel provider through a debit card or credit card provider scheme called “chargeback”. Chargeback claim works on (Mastercard, Visa and Amex) debit and credit cards. A chargeback claim occurs when the card holder paid the goods and services but the goods and services were not provided by the retailer, card holder already asked help from retailer for refund but no success. The last option is the Section 75 of the Consumer Credit Act 1974. This only works for credit card purchases between £100 and £30,000. In Section 75 it clearly states there that if you have a claim of refund regarding a breach of contract with the retailer, the same claim can also be done against the credit card issuer. The claim may consist of a faulty product or product was not delivered as promised. Same goes with the travel insurance, you can use those options given above in order to get a refund claim.

You might want to check with your claims management company near you or contact them to inquire for such claim and ways in helping you getting your money back through refund compensation.