Supposed 'free' Credit Card Based Insurance - ANZ QFF Black Costs More than Actual Insurance Charge with MAUI Campervans THL

tunzafun001 on 28/07/2017 - 19:01

Upon recently booking a NZ Campervan relocation deal via Maui (parent company THL) I used my ANZ QFF Black to cover the insurance.

As per usual they hold a security bond $1020 NZ. Normally this bond from hire companies has never shown on my statements as nothing is usually taken.

There was no damage caused to the vehicle, therefore I was expecting no charges. Wrong!

Upon returning home I discovered that ANZ charged an approx $38 fee both ways (one for THL taking the $1020 bond, and then again for returning it). The actual vehicle hire itself was only $65…yet ANZ charges $76!

Interestingly, we also hired a car through Jucy that attracted a $3000 bond. However, no fees were charged as they didn't physically withdraw the bond.

Anyone know why Jucy had no charge, but MAUI do? and is there any recourse? (ie should they have not taken the $1020 when there was no damage? Like Jucy and every other company I have used previously)

Travel

Comments

  • Ocker on 28/07/2017 - 19:21

    I would suggest that ANZ have charged you for their normal (rip-off) fee of 3% overseas credit card fee on overseas charges to your account.

    In your case, it would seems that notwithstanding the actual charges never took place, this is academic and they are charging you regardless.

    Gotta love our banks, the way they invent to screw the customer is never ending.

    • tunzafun001 on 28/07/2017 - 19:55

      Yeah, it's a bit of a joke. But why are only Maui attracting a charge?

  • chickenchipsgravy on 28/07/2017 - 20:01
    +1

    sounds as if Maui actually "charged" you and then reimbursed the sum as opposed to "pre authenticate" - technically speaking there is no foreign exchange fee where funds do not settle which is why i'm thinking the Maui transaction attracted the fee where Juicy did not (probably wrong though).

    • tunzafun001 on 28/07/2017 - 20:03

      Pre authenticate - cheers for that. I will look for such words in their T&C's.

  • tunzafun001 on 28/07/2017 - 20:04

    In the future I will book the car with ANZ, but pay the bond with my Citibank plus

    • tomclancy on 28/07/2017 - 21:07

      Citibank Plus does not have the 3% fx fee, but you would have still be exposed to the FX exchange rate moving (could have profited or lost depending on how it moves).

      The $76 is entirely Maui's fault for not pre-authorising the charge but instead capturing the charge. I would take it up with them and see if they can reimburse you for their error.

      • tunzafun001 on 28/07/2017 - 22:05
        +1

        Yeah will do. Thanks mate.

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