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Ryanair bans passengers who obtained refunds via chargeback

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Comments

  • Registered Users, Registered Users 2 Posts: 622 ✭✭✭niallo32


    I got a chargeback last year and am flying with them this Thursday. Already checked in and no issue. Let you know if something changes. Flew with them last week without issue too.



  • Moderators, Social & Fun Moderators, Regional East Moderators, Regional North West Moderators Posts: 12,526 Mod ✭✭✭✭miamee


    According to this article in the Irish Times they are waiting until check-in to hit people with the bill and not allowing them to travel until it has been paid. So beware @niallo32 and maybe give yourself some extra time at the airport.

    I'd love to know how they are tracing these people, is it via their card details, passport number entered in their booking or something else? Neither are good practice and could get them into trouble if that is the case.

    Edit: I see you have already checked in so hopefully you're in the clear. Did you use a different card to pay for these flights out of interest?



  • Registered Users, Registered Users 2 Posts: 622 ✭✭✭niallo32


    I used a different card alright, I'll let you know how I get on tomorrow!



  • Posts: 1,010 ✭✭✭ [Deleted User]


    Interesting. they have advertised a service. allowed the customer to book, took their money at the time of the booking, and then refuse to provide the service at the point of entry, despite having the ability to demand the money at any stage, or even prevent a booking being made in the first place until the (disputed) debt is paid



  • Posts: 0 [Deleted User]


    They'll hit GDPR issues of using people's personal data for purposes different to what it was provided for.

    Couldn't happen to a nicer bunch😁



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  • Registered Users, Registered Users 2 Posts: 3,624 ✭✭✭Working class heroes


    Racism is now hiding behind the cloak of Community activism.



  • Registered Users, Registered Users 2 Posts: 1,184 ✭✭✭85603


    Maybe doing their usual all press is good press thing.



  • Registered Users, Registered Users 2 Posts: 622 ✭✭✭niallo32




  • Posts: 0 [Deleted User]


    No. Details given to book a flight not to have future booking blocked



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  • Registered Users, Registered Users 2 Posts: 6,033 ✭✭✭DoctorEdgeWild


    If someone hired a car from me, used it, returned it, then charged back, would it not be fair enough for me to keep their details on file so I'd never rent to them again? Seems fair to me?



  • Posts: 0 [Deleted User]


    I'm struggling to see the issue with what Ryanair are doing.

    People booked seats on a flight. Flight took place, and people did chargebacks via credit cards.

    Ryanair were quite upfront about the whole refund policy when covid hit last year. I wonder how many people who did a charge back attempted to claim a refund via Ryanair initially.



  • Registered Users, Registered Users 2 Posts: 34,012 ✭✭✭✭odyssey06


    Not if it's their credit card details no.

    The first thing you should do is dispute the chargeback.

    You have an agreement with the card provider as a merchant, and agree to their management of the chargeback process, presumably.

    "To follow knowledge like a sinking star..." (Tennyson's Ulysses)



  • Registered Users, Registered Users 2 Posts: 20,832 ✭✭✭✭Donald Trump


    A chargeback is not a refund. You are getting the credit card company to take/hold that money back from the merchant and give it to you. They will also charge the merchant an additional administrative fee for the privilege.

    If I was a merchant and I sold something to a customer who immediately did a chargeback, costing me 25 quid in charges, I might be slow to deal with them again in the future.

    I don't often agree with Ryanair, but on this case I think they have a point. Unless I am misunderstanding and there was an issue with obtaining the refunds from them through regular mechanisms.



  • Registered Users, Registered Users 2 Posts: 20,832 ✭✭✭✭Donald Trump


    Not at all. That would be like saying I could go into a garage and agree to buy a car, sign paperwork and then take the car home, refuse to pay the loan and leave it back after crashing it with the front bumper hanging off, and that the garage would have to destroy anything with my name on it due to GDPR!



  • Posts: 0 [Deleted User]


    They are using data for another reason which was not why the customer gave it.

    I don't disagree with what they're doing in banning people but that doesn't negate responsibility in using data



  • Moderators, Social & Fun Moderators, Regional East Moderators, Regional North West Moderators Posts: 12,526 Mod ✭✭✭✭miamee


    I can see why they would have a grievance with people for initiating chargebacks and possibly the banks should not have given them in the circumstances but I don't think their method of recouping their money is correct either. Their issue should be with the banks issuing the chargebacks.

    Also if a customer is blacklisted and no longer welcome until they pay off a 'debt' then they should have been notified of this when they were trying to book another flight, not after you have taken some more money from them on the understanding that they can take a flight andf then saying actually nah, you need to pay up first. Then again, it is Ryanair and they'll do whatever is necessary to recoup their losses, their flights will still be cheap and people will still fly with them.



  • Registered Users, Registered Users 2 Posts: 6,033 ✭✭✭DoctorEdgeWild


    And an agreement with Ryanair to pay for your booking? Seems fair to me that they don't want to give away their services for free surely? Could I just book a seat every day, then charge back over and over?



  • Registered Users, Registered Users 2 Posts: 20,832 ✭✭✭✭Donald Trump



    And in the case of the me getting the car and leaving it back damaged, they obtained my details for a loan. They didn't obtain my details due to damage for the car. So, being consistent wit your logic, they would be in breach of GDPR if they used the details they collected when I signed for the car to try to bring me to court for the damage caused to the car (which would be different from the breach of contract)


    When the person does a chargeback, they cause a loss for Ryanair. Ryanair now considers that they owe them money (and you can bet there is something in a small print which allows them to do that). Mr X owes me money ... well I can perfectly well keep his details!



  • Registered Users, Registered Users 2 Posts: 34,012 ✭✭✭✭odyssey06


    Yes you could, if the merchant doesn't dispute the request why wouldn't the card provider process it?

    So why didn't Ryanair dispute any of these charge backs at the time? That's what I would expect and if they didn't do that, well that's on them. Charge backs are a part of accepting card processing.

    Presumably the credit card provider doesn't just automatically issue a charge back.

    So Ryanair's problem should be with the card provider.

    "To follow knowledge like a sinking star..." (Tennyson's Ulysses)



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  • Registered Users, Registered Users 2 Posts: 5,967 ✭✭✭JDxtra


    Some companies are a right pain in the rear end to deal with if things go wrong. Endless hours spent trying to get an issue resolved often with no success. This is by design. It's to cut costs on their side and to discourage refunds.

    It's at that point that customers say, feck this - I'll deal my card provider instead. This can be like a breath of fresh air and the issue can get sorted quickly.

    If customer service for Ryainair (and some others like Eir and Vodafone) were approachable, understanding and generally easier to deal with - then they would not have this issue in the first place.



  • Registered Users, Registered Users 2 Posts: 6,033 ✭✭✭DoctorEdgeWild


    Absolutely.


    ...and also with the person who used their service without paying. Seems fair that they don't want them using their service after 'stiffing' them. (not saying all customers are out to do that, just can't think of a more appropriate word)



  • Posts: 864 ✭✭✭ [Deleted User]


    You'd want to brush up on your GDPR knowledge then.



  • Registered Users, Registered Users 2 Posts: 34,012 ✭✭✭✭odyssey06


    What's to stop someone paying the bill... via card... and the issuing a charge back request if Ryanair aren't challenging them ?

    "To follow knowledge like a sinking star..." (Tennyson's Ulysses)



  • Registered Users, Registered Users 2 Posts: 2,761 ✭✭✭tinytobe


    The thing is that the flight didn't depart due to Covid. And then people found charge back way easier and less bureaucratic than a lengthy refund process which we are all certain that Ryanair wouldn't have wanted anyway.

    The problem is that Ryanair isn't exactly known for passenger rights, regardless if it's EU law or not and charge back is the easy choice.



  • Registered Users, Registered Users 2 Posts: 7,015 ✭✭✭Allinall


    Ryanair are only talking about flights that did depart, but the passenger chose not to go. Those flights were non refundable.

    They are perfectly entitled to refuse service to someone that already owes them money.



  • Registered Users, Registered Users 2 Posts: 2,761 ✭✭✭tinytobe


    I understood that the article posted would concern flights not taken specifically due to Covid regulations.

    Let's assume Ryanair is flying from Dublin to Spain, the flight takes off, however the Spanish government says, due to Covid regulation only Spanish citizens are allowed to return. Then yes, the flight is taking of, but unless you're Spanish, you can't go. I am sure, there would have been a lot of similar cases, with different countries introducing different regulations, and differentiating between their own citizens and visitors or business/essential work related travellers.



  • Registered Users, Registered Users 2 Posts: 7,015 ✭✭✭Allinall


    That is not Ryanair's fault.

    Take the scenario where a passenger gets arrested the day they are due to travel, are questioned and then released. Obviously they could not travel for circumstances outside their control. However, they would not be entitled to a refund.

    Similar if someone lost their passport.

    Once the flight goes, their seat is available for them to take.



  • Registered Users, Registered Users 2 Posts: 2,761 ✭✭✭tinytobe


    It's sadly nobody's fault. If say, the Spanish or any other government's country passes legislation due to the pandemic that any foreign citizen can't come in for non essential reasons, than any airline, Ryanair or otherwise can't transport them. Also the article wasn't very specific, other than mentioning Covid.

    Given Ryanair's history in customer relations I don't blame anybody if he or she did a charge back on that one. I would have done the same.

    Also, since the numbers of travellers doing that, is limited they should just accept that as the pandemic couldn't have been predicted by any of us, and look forward to future business.

    It'll be different, though, if it wasn't for the pandemic, or one losing a passport, etc.. that one I'd understand.



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  • Registered Users, Registered Users 2 Posts: 23,902 ✭✭✭✭ted1


    There’s an Outstanding balance owed . I’m sure it’s buried in the T&Cs.



  • Moderators, Business & Finance Moderators Posts: 6,755 Mod ✭✭✭✭Sheep Shagger


    This thread title is misleading, Ryanair are only talking about flights that departed that people chose not to travel on who then submitted chargebacks.

    People weren't entitled to a refund when the flight took off. If the flight was cancelled (like mine was), I got a refund from the airline not via chargeback.



  • Moderators, Business & Finance Moderators Posts: 6,755 Mod ✭✭✭✭Sheep Shagger


    Then you weren't entitled to a chargeback then.



  • Posts: 0 [Deleted User]


    I used to work in Regulatory Compliance. I think I know about GDPR. 😁



  • Registered Users, Registered Users 2 Posts: 6,033 ✭✭✭DoctorEdgeWild


    In your professional experience, isn't non payment of a debt a fair reason to keep someone's details on file? (I'm not a professional in that field but seems really straightforward to me) How could any business ever recover a debt, or identify a debtor?



  • Posts: 0 [Deleted User]


    The details were given in the purchase of the ticket. Using them for another purchase.ie ban someone is not what they were given for.

    Data can only be used for the purpose it was given. Anything else is illegal.



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  • Registered Users, Registered Users 2 Posts: 23,902 ✭✭✭✭ted1


    So if I cancel my mortgage payments , my back can’t decline me a loan in the fact I owe them money ?



  • Registered Users, Registered Users 2 Posts: 23,902 ✭✭✭✭ted1


    Used too….. might be a good reason why you don’t anymore.



  • Moderators, Computer Games Moderators, Recreation & Hobbies Moderators, Sports Moderators Posts: 16,195 Mod ✭✭✭✭adrian522



    By chose not to travel you mean were legally not allowed to travel on?

    Also everyone is entitled to raise a chargeback, Ryanair can dispute the chargeback and there is a dispute process that will decide who is entitled to what.

    The fact that Ryanair didn't dispute these chargebacks, or were unsuccessful in their disputes shows who was right and who was wrong. Everyone who had flights booked that they were unable to take due to travel restrictions was entitled to a refund and if Ryanair were not offering refunds going the chargeback route is entirely valid.



  • Registered Users, Registered Users 2 Posts: 432 ✭✭antfin


    Are you sure that it's not covered in the privacy policy of Ryanair that you consent to such retention and use of your data in connection with future bookings as part of the process for purchasing your ticket?



  • Moderators, Computer Games Moderators, Recreation & Hobbies Moderators, Sports Moderators Posts: 16,195 Mod ✭✭✭✭adrian522


    They can because you had have a poor credit rating. it doesn't even have to be the same bank, any bank would refuse you a loan in that instance.



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  • Posts: 0 [Deleted User]


    I've no idea. That's where the devil is in the details 😂



  • Registered Users, Registered Users 2 Posts: 10,179 ✭✭✭✭Caranica


    The thread title is the article headline as posted in The Guardian yesterday and subsequently picked up by Irish media later in the day/this morning



  • Registered Users, Registered Users 2 Posts: 3,714 ✭✭✭HBC08


    Yeah GDPR gets thrown about a lot by people who haven't a notion about it.

    I'd wager Ryanair have a greater grasp of the intricacies of GDPR than blowhards on boards.



  • Registered Users, Registered Users 2 Posts: 3,817 ✭✭✭Darc19


    That is not correct.

    Everyone can raise a chargeback query with their card issuer who should see if you meet the requirements.

    If it does pass that check, they then initiate the chargeback via the visa/MasterCard system.

    A chargeback on a non refundable flight that operated is not a valid chargeback even if health advice was not to travel.



  • Registered Users, Registered Users 2 Posts: 3,817 ✭✭✭Darc19


    Somehow I doubt that it true as your posts show little understanding of gdpr.

    I've been at several gdpr "conferences", all but one had glaringly bad errors on what gdpr actually was. - They didn't like when I pointed the errors our and also explained why it was wrong.

    Btw, I presume you have read the Ryanair app terms and conditions when you are giving your "advice" - I suggest you read them again.



  • Posts: 864 ✭✭✭ [Deleted User]


    You'd want to make yourself current then. Lots of people think they know about GDPR, few actually do.

    I'd have a good read of Ryanair's Privacy Policy if I were you, part of the same T&Cs you agree to when you click search on their website.



  • Registered Users, Registered Users 2 Posts: 34,012 ✭✭✭✭odyssey06


    They didnt seem to have a good grasp of the intricacies of disputing a charge back. So I wouldnt assume anything.

    "To follow knowledge like a sinking star..." (Tennyson's Ulysses)



  • Registered Users, Registered Users 2 Posts: 74 ✭✭Fatnacho


    The problem lies with passengers who took advantage of the backlog in chargebacks to fraudulently abuse the system.

    Due to the volumes involved, there is no way the credit card companies could verify if every chargeback was legitimate, so they tended to accept the vast majority without even checking if the flight was canceled or not. Ryanair knew this and didn’t bother disputing them as they would’ve been charged a processing fee by Visa/MasterCard along with the refund. Instead, they’ve decided to blacklist people who received refunds for flights that operated.

    The cost of the unwarranted chargebacks will be absorbed by increased fares and passengers will be less inclined to file future chargebacks now, so it’s turned into a win-win situation for Ryanair.



  • Registered Users, Registered Users 2 Posts: 183 ✭✭Rket4000


    Apparently in the case of the person whose case was highlighted, they were travelling for a wedding in September 2020 that was cancelled. However in September there was no restriction on travel so the flight operated and the customers chose not to travel.



  • Registered Users, Registered Users 2 Posts: 20,832 ✭✭✭✭Donald Trump



    It is actually very difficult to dispute a chargeback because the credit card company won't want to get involved in your dispute. You need really compelling and hard evidence in order to successfully challenge one.

    You have to understand that using a credit card is only an offer to pay. I buy something from odyssey06 and I gave you my credit card details for you to be able to obtain the money from the CC company. The idea is that the CC company will pay you, and I will then owe them that money.

    I turn around and tell the CC company "I didn't get what I was supposed to get from odyssey06 - don't pay them". Well then the CC company will not give you that money (or if already passed on to you, will deduct it from future payments under their Ts&Cs). From the CC company's perspective, it doesn't care whether or not I actually really owe you that money. You have other mechanisms to obtain that money should you want to pursue it.



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