DX - Yes they are (didn't know it was called that) I have been sent the forms but want any relevant advice before I fill them out.

Hi guys. I am hoping for advice on claiming on my credit card for a recent problem I have had. The story is: A few months ago we purchased airline tickets, online for a return trip to New York from Heathrow and a one way flight from Heathrow to Oslo. This was a set price deal, hence why the 3rd flight was one way. As we were leaving New York to return to Heathrow we decided not to visit Oslo. Out of courtesy we let the airline (Virgin) staff know. They said there would be a small fee in order to remove our bags from the plane at Heathrow. I appreciate this although, other people on the plane who were not booked would have had their bags removed as normal, but still, I appreciate they are running a business and expected them to charge a handling fee, maybe £30 a person or something like that. We were sent to a different desk. Here we were told the charge would not be for the baggage removal, but a new ticket as we were not taking the extra flight. I was not happy with this - less flights should cost less money if anything surely! We were charged £150 per person, which I had to use the credit card for (putting me over my credit limit but had no choice as they refused to let us on the plane if we didn't pay there and then). One of the staff who was stood next to the rude guy who charged us this managed to whisper to us whilst he was printing off some forms. She said complain when we get home and “I’m sure they will just refund you”. Upon returning to UK we have complained to Virgin customer service. This was a waste of time and resulted in a very basic email response apologising that we were not happy with our experience. I then escalated it through their complaints department. Again it was a completely pointless exercise. They fobbed us off with what seemed like a very generic response. I have been in touch with my credit card company (Tesco) who have suggested I claim for the original transaction as well as the second, as I do not have a very good case to claim on the latter, since I agreed and signed for the transaction. It's worth me mentioning, in the terms and condition when we purchased the original flights there was no mention of any further charges being incurred if we did not go on the flights. All we were told was 'no refunds for no show'. I would appreciate any help or advice, please remember I am asking for this in regards to making a claim on a credit card transaction, not with making further complaints to Virgin Airways at this stage. I have never done this before and I really feel like this is my last chance and last resort to get back some of the money that I feel we were unfairly charged. Thanks, Damon.

Hi Carling, do you mind me asking what happened in your case against HSBC last year? I have an identical situation right now, where they have offered me nearly £4000 with no details or breakdown. My original letter of complaint requested £8000 including compound interest over the last 11 years. I look forward to any info or advice you may have for me. Thanks, Damon.