Return of fees from '4 Corners'emigration agency who are in administration

[CraftyB]

My son and girlfriend have paid �4000 to 4 Corners Emigration Agency to process their application for Australia.It is now in administration.What are the chances of them recouping the fees which have been paid by:- credit card,cheque and debit card from Lloyds accounts?
Thank you.

[barry1010]

They should be able to recover all monies from the credit card company, even though they paid only in part with the credit card.

"The claim is not limited to the amount of the credit card transaction. Customers can claim for all losses caused by the breach of contract or misrepresentation. And this applies even if all they paid by credit card was the deposit."

http://www.financial-ombudsman.org.uk/publicat ions/ombudsman-news/31/creditcards-31.htm

[Oneeyedvic]

So long as they paid more than �100 towards it by credit card, they should be able to get back all �4000.

Phone up the credit card company and state that you wish to make a claim under Section 75 of the Consumer Credit Act.

Warning - they will not want to pay it - but the law is on your side.

[CraftyB]

Thank you barry1010 for your quick response.
They presumed they could claim from the credit card company but the cheque and debit card payments are not as straight forward according to Lloyds.Something about claiming as a creditor.Any more advice as to how they can do this quickly?

[barry1010]

The FSO should be able to give you all the advice you need.
http://www.financial-ombudsman.org.uk/consumer /can-we-help-2.htm

[CraftyB]

Thank you for all the contacts.Plenty to be working on .Cheers!

[Oneeyedvic]

I have already told you above - you can claim the FULL amount from the credit card company - you don't need to become a creditor.

You need to make a claim on your credit card under section 75 of the CCA for the full amount (on the presumption that there is one invoice) and that the terms of contract have been breached. If there are three sperate invoices, then you will only be able to claim for the credit card transaction.

By using a cheque or debit card it is the same as using cash - you have spent the money and there is no way of getting it back other than becoming a creditor of the business (and you will get very little back - usually about 10p in the pound)

See here for further details: http://www.financial-ombudsman.org.uk/publicat ions/ombudsman-news/31/creditcards-31.htm

[jonski75]

Four corners are now back up and running:

www.fourcorners.net

Bit suspect isn't it?

My wife and I also lost thousands to these people!