India 2018 Day 15, 19th December
Showered and had breakfast. Taken the medication - some bitter and others hot
and bitter. Before and after meal.
Got Delhi belly from the train food. It will take a day or so to settle down
now,
Today's plan was to sort out my refund. I messaged the and waited for the bank
to open at 8am GMT, 13:30 in India. The fraud department don't open until 9am. I
had to ring back later. They were too busy to take the transferred call but she
spoke to them and forwarded my call details. They have until Friday to respond
to me. It is 12 days and they should have noted some progress or lack of it, I
was advised to forward by email the SMS message but screen shoot to the fraud
department.
I tried to get the SMS messages transferred to the tablet. Sony PC Suite which I
used to put the contacts on from Outlook demands tobe upgraded but then can't
find the upgrade and closes. Sony no longer provide the Outlook interface and
don't have a means of viewing messages on a PC in their Xperia Companion.
I tried several. Some wanted an annual fee to work fully. One produced a screen
frame that was so small on the 1920x1200 8" screen that even a microscope would
not enable me to use it. Yes I have a pocket microscope with me. I eventually
got an application called AirDroid that does the job, although the cut and paste
has to be done screen by screen, not all the messages at once. The paste into
Word produces a 4.5 point font!
So I was eventually able to forward these to Vanquis Bank.
The man at the Tourist Office verbally offered the partial refund in rupees less
some 34000 rupees for the flight he claimed he booked. The form printed include
the words “full refund available”. He did not give me a copy of the page. The
transaction was from Roschi Forex and Tours, different to the letter headed
paper detailing the services of Delhi Travel Spot. The address (Dargah Masjid,
Outer Circle Opp. SBI Bank, G-Block, Connaught Place, New Delhi 110001) was
recently used by a different tour company. The hotel manager strongly believed
that I would get no service once I left Delhi, so I contacted Vanquis to cancel
the still pending transaction. Also the tour would have been too much in my
current heath and I was pushed into the deal. He had time to re-credit my
account, cancel anything he had arranged.
I was told by the man in the office that I would not get my
money back! Perhaps because unknown to me he made it a cash advance. He has now
removed his offer of two thirds in cash.
The amount is a third of my budget. The plan is to clear my
Vanquis account shortly after my birthday in February when I get an amount from
a pension plan. It also means that whilst in India I can not access more than
the arrangements already in place as correspondence goes to my home.
I downloaded the sms to my tablet and placed in a word
document as the screen shot would be large to send. The phone now only shows
day, not time, but the download converts to GMT. Document is attached.
To mobile phone +91 8076804151 7th
December 2018
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I have to cancel
the
arrangements.
With you, I
would like you
to reverse the
credit card
charge without
fees. Mr Gerald
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Dec 7th 12:10 +5:30 hours Indian time
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By what time
will you be in
office,
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Dec 7th 12:16
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I am in office
waiting for you
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Dec 7th 12:44
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I can see you
tommorw, and
please cancel
card, Gerald
McMullon
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Dec 7th 12:53
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Sir I have
already issued
your tickets .
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Dec 7th 12:55
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I just need them
cancel and I'm
not going pay
any
cancellation.
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Dec 7th 12:57
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Can you voide
the trancation
and email me the
voide slip
please, You are
good guy but I
can't go on trip
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Dec 7th 13:12
{This slip is time stamped about 30minutes before my first
text message to him to cancel.}
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Sir we have
already closed
the batch of
your transaction
and it is
impossible to
void this
transaction. For
your reference I
am sending you
email and you
can see yourself
time of batch
close. That is
why request to
come to office
sign the
cancellation
form.
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Dec 7th 13:15
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OK I see you
tomorrow and
sign the
cancellation
form. Thank you
and I hope you
understand my
point of view as
well. Good night
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Dec 7th 13:21
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No problem . I
have made word
of commitment
and I stand firm
on that. I do
understand why
you want to
cancel. I know
you got confused
by hostel
people. I told
you before this
before. You can
take your time
and let me know
today late night
if you want to
continue with
the trip.
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Also check your
email I have
send copy of
batch close .
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Dec 7th 13:45
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Thank-you. I
have to cancel
the trip. I need
more time to
recover and
rethink what I
can really
manage after
recovery.
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Dec 8th 02:22
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Good morning.
What time should
I send car to
pick you up.
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Dec 8th 02:24
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Good morning. I
have transport
after breakfast.
Yesterday that
meant after 9am.
Should see you
shortly
afterwards.
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Dec 8th 02:26
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Ok sir. I am in
the office .
Looking forward
to see you.
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So you will come
to office by
your self
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Dec 8th 03:21
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I have a driver
sorted, no
worries
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04:36
19th December 2018
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Hello, I have
still not sorted
out with my bank
the transaction
I cancelled with
you. I would
like my money
back now. I can
inform my bank I
have a refund in
cash immediately
and that will be
the end of the
matter. Gerald
McMullon
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10:06
Text of
19th December 2018
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Good Morning. As
per your
conversation
with us in
office you
please approach
to your bank
only as cash
refund is not
possible now. It
is credit card
transaction and
the matter will
be resolved from
your bank only.
We are not in
the position of
taking risk now.
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11:48 Indian time
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You could have
credited my
credit card
immediately as
requested. This
would show the
bank a refund
and finished. I
am not happy
with this. You
only offered a
partial refund
and in cash
only.
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11:54
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From 13:30 I can
talk to the
credit card
company on
speaker phone so
you can here me
stop further
action no risk
to you. I told
you at the time
if the bank
sorted it then
it is wrong for
me to have taken
cash from you.
You also said I
could not get my
money back from
the bank. Why?
Because you make
a cash
transfer?
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12:00
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Sir as per our
bank rules and
regulations we
are bound to
follow them. As
per your
conversation you
informed me that
your bank is
taking care of
your transaction
so you should
speak to your
bank for this
and ask them the
reason why it
takes time. From
our end we
cannot do any
thing now.
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12:11
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We already have
bad experience
in giving cash
refund and then
clients make
charge back to
same card again
and we end up by
paying twice. So
I request you to
ask your bank
only.
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12:11
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That is why I
asked for credit
card refund. It
is YOU who
insisted on
cash.
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12:13
PS. 3rd January 2019 my credit card company issued a "Dispute
release - Customer" for £960.59. but not the £28.82 for "cash advance fee".
There was no cash to me, no tickets and only a list of city names for 7th until
22nd December travel as everything was to be picked up next morning. It is a
shame they could not have given me some information prior to this showing up on
my account always telling me another 3 days, another 5 days, after the Christmas
holiday. Working on 27th but in fact not the fraud department until January.
4th January my credit card company refunded every non
sterling transaction fee, refunded the cash advance fee and debited and
re-credited a "principle debit adjustment fee".
Last updated 3rd January 2019