What ACCC says about refunds
ACCC is Australia's peak consumer protection body. Its purpose is to protect consumers from unscrupulous businesses. It also protects businesses against invalid customer claims.
During the Covid19 emergency, many travel plans have been thrown into chaos. Whilst travellers have lost their holiday savings (often amounting to several thousand dollars), tourism businesses have lost their business savings their business income but still have standing outgoings (often totalling tens to hundreds of thousands of dollars).
ACCC provides the following definitive information about customer entitlements when their travel plans are stymied by Government restrictions. The following is extracted from the ACCC Corona Virus special guidelines.
My flight, cruise or tour service has been cancelled. Am I entitled to compensation for related expenses booked separately, such as accommodation?
In summary, if you cannot access your booked accommodation or other service, because Government prohibits you from travelling or prohibits the business from operating, you are not entitled to a refund.
What Visa says about credit card chargebacks
Visa has a process to deal with businesses who charge a customer card but does not deliver the booked service. Visa makes it clear that a Government restriction that prevents the customer accessing a service is NOT a valid reason for a chargeback.
" Visa will implement a COVID-19 Dispute Monitoring Program beginning April 1 to help maintain the integrity of the dispute process by reducing invalid disputes initiated into the system. The program will monitor daily dispute volumes with a focus on consumer-related disputes, and will flag any practices that may be inconsistent with current Visa dispute rules. If necessary, Visa will require issuers to reverse invalid disputes. "
Question 1: The cardholder purchased goods/services and the merchant decides to cancel the good or