Perhaps the B&B owner will not process the charge. So wait and see what happens. If he does, you can dispute the charge.
He charged me for two nights stay (as I originally requested). I have spoken to AIB Visa department again and they are being quite unhelpful in the sense that I can dispute the transaction in writing when I get back home but there is very little they can do when it comes to service being sub-standard.
I had do find alternative accommodation for the same two nights and will be furnishing them with a copy receipt for another hotel to prove that I did not avail of the service and my colleague's written statement to confirm my claim that the original accommodation was not suitable.
I feel totally unprotected as a consumer and am absolutely furious that vendors can get away with this. Again, if you make a purchase online or over the phone, you do it in a good faith and if things go wrong, you should be able to get your money back. I thought that there was something about the customer satisfaction on 'card not present' transactions in MasterCard and Visa T&Cs but the carry on by AIB Visa department makes me think that it was either removed or is being ignored.
Have you contacted consumer affairs or maybe the small claims court?
I don't see how you can demand that Visa pay you your money back simply because you're dissatisfied with the product/service you paid for.
Did you ask laterooms whether they vet the B&Bs they advertise? You would assume a certain minimum standard would be required in order for a place to be listed on the website.
I see where you're coming from but Visa would go out of business if they were to act as a customer satisfaction guarantor rather than a payment processor.
But, if you booked a hotel (through a reputable website) and it burned down the day before your arrival or a car with a company which had only a bike to offer, you should be able to get your money back.
I had a similar experience with a booking for a hotel in the UK with Laterooms. I sent them numerous e-mails and each and every one was deleted without being read. (Tracking facility on Outlook)
The best advice I can offer, from personal experience, is to express your views on as many travel websites as possible e.g. tripadvisor, holidaywatchdog etc and notify the hotel or B&B of same. I did this and remarkably I received a full refund direct from the hotel. Despite for example, Ryanair's claim that all publicity is good publicity, bad publicity for a hotel or B&B can only hit them where it hurts, in their pockets.
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