Published on : Tuesday, January 17, 2017
After facing huge travel disruption on the Southern Railway, a rail commuter on the southern route recently won a refund of £2,400 from the credit card provider, due to the little known ‘Consumer Credit Act’.
The act is not widely known amongst the citizen of Britain. The industry experts believe that after the rail commuter managed to get the payout, other commuters will also opt for similar claims in near future.
The section 75 of the Consumer Credit Act says if anything goes wrong, the credit card company will be equally liable with the company or organisation, which is offering certain product or services to the consumers.
Based on the act, the commuter, who was holding an annual season ticket on the Southern Rail, claimed the money back from ‘American Express’ after the railway failed to provide proper service due to the continuous travel disruption.
The Association of British Commuters disclosed the news and informed that the commuter of Southern Rail, ‘Sean’ raised the claim on August 2016 after his annual season ticket got expired. On that claim he presented the statistics for Southern Rail which said that 50 per cent of his train journeys either got disrupted or got cancelled due to the strikes. After presenting the facts, Sean urged the credit card company to return 50 per cent of his money.
The co-founder of ABC, Emily Yates has expressed that when one considers that any level of reasonable travel on Southern Rail has been impossible for the last 10 months, it is not surprising that so many people call this an insult to passengers or at best, an empty gesture.
The section 75 of the act says that if the consumers pay over £100 for a product or service with the help of a credit card, they can raise a claim to get their money back. But the consumers need to raise the claim with their credit card provider or their bank.
It seems, the banks and credit card providers are about to receive several other claims by the disgruntled commuters of the Southern Rail soon.