Not long until the school summer holidays, a popular time for travelling abroad. Unfortunately, it is also a popular time for holiday scams.
Fraudsters are ready to catch us with a variety of holiday scams, both at home and at our holiday destinations.
They may pose as travel companies, with the intention of selling us fake flight tickets and accommodation bookings. There are also various scams to be aware of once you are at your holiday destination.
Find out how to avoid booking tickets that will take you nowhere, and read about the common holiday scams so you can avoid these situations and enjoy your holiday.
Fraudsters are creating websites to advertise flights, accommodation and even timeshare offers.
Sometimes payment via the website is not possible and has to be done by bank transfer.
In some cases customers are informed that payment has to be made this way otherwise they will not be covered by their insurance scheme!
This year, business within the travel industry is good so there may be less discounted holidays on offer. Fraudsters will take advantage of this, so be particularly wary when booking any 'special offer' breaks.
Don't rush to book and pay quickly before the flights/accommodation are fully booked – first take some time to check you are not dealing with a scammer:
Google, Bing and Yahoo the company - If the company is scamming people, victims may have posted details to warn people online, which should show in the search results. Don't just reply on reading a couple of good reviews, the fraudsters would have written these themselves.
Book directly with the airline/hotel - or via a well known reputable agent.
Check whether the company is a member of a registered trade body, such as ABTA - They may have a logo displayed, but remember to verify this is genuine via the ABTA website.
Pay by card – If you are asked to pay cash or pay the money into an account, take extra care. Pay by card to benefit from free cover under Section 75 rules or the Chargeback Scheme.
Report the scam to ActionFraud - This is the national reporting centre for fraud which works with partners in government and the police. They are unable to investigate individual cases but any information you can give about the incident will help the police to stop the fraudsters.
Your chances largely depend on how you paid:
Credit Card - If you paid over £100, you should be able to get the money back from the credit card provider by making a claim to them under Section 75 of the Consumer Credit Act. Purchases between £100 to £30,000 are covered for free under this act, which states that the credit provider is jointly liable with the supplier (in some instances more than £30,000 is covered although the criteria is more complex).
Debit/ Bank Card - You could try to claim the money back from the bank using the Chargeback Scheme if done within 120 days of becoming aware of the problem. The scheme is to cover purchases of goods or services that are not provided.
Bank Transfer - Contact your bank immediately and they can try to recover the money. If they fail to try properly, you could try making a complaint about it. If there is still no luck after 8 weeks, you could refer your complaint to the Financial Ombudsman Service.
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Find it useful? Please share!
Last updated: 23 January 2020 | © KIS Bridging Loans 2020 |