I went on a holiday to Turkey last month. The hotel asked for my credit card details to block a certain amount of money to cover my expenses, if any.
The amount blocked was $2,000 as it was a four-star hotel and I stayed there for a fortnight.
Upon check out, the receptionist assured me that the blocked amount would be refunded to my bank account in a week’s time. There were no additional charges that needed to be paid to cover my stay.
However, the hotel has not refunded the amount and it was reflected on my credit card statement in the last billing cycle.
I have tried reaching out to the hotel, but am unable to get through to an employee who speaks English. Emails to their customer care department have also been unanswered.
I tried reaching out to my bank as well, but they asked me to contact the merchant to reverse the charges.
I don’t want to pay this amount as I did not spend it. But if I don’t pay, then I will incur interest for not paying the entire credit card bill. Please help me. KV, Abu Dhabi
Debt panellist 1: Steve Cronin, founder of DeadSimpleSaving.com
This amount is called an “incidentals deposit” and is a standard feature when checking in to a hotel.
When using a credit card, a “hold” is placed on your card for the deposit amount.
This means your card is not charged (even though you may receive an SMS notification that looks like a purchase), but the available balance on your card is reduced accordingly.
It’s much better to use a credit card for hotel deposits, as a debit card will actually take money out of your current account.
In your case, the hotel seems to have billed your card rather than blocking the deposit amount.
Hotels often make mistakes with billing. There are a few steps you can take, but you should also resign yourself to some frustration along the way.
Given $2,000 is not a trivial amount, I would first try to find a Turkish speaker to help you.
There are many in the UAE and they would probably help you for free, or you could even pay them a percentage of the disputed amount.
You may find the hotel isn’t being malicious or incompetent. You may also find that they have removed the hold or reversed the billing, but it hasn’t shown on your credit card account yet.
You should email them in Turkish and also try to call them, as time is of the essence.
If they refuse to co-operate, you can leave the hotel a negative review (in Turkish and English) on various review websites and social media pages, in the hope that the hotel contacts you and they change their mind.
You could also report them to the Turkish police, which should get their attention, but would be logistically difficult for you in reality.
There are a number of large companies in the payments chain that can potentially exert more pressure on the hotel than you can.
If you booked the hotel through a booking site or travel agent, you can complain to them — such sites can be quite helpful and usually back the individual over the hotel.
This is more true for international sites than for smaller, single-country ones.
Your card issuer (the bank) will want you to resolve this issue with the merchant first, but if you can prove they are not co-operating (not speaking English is not really evidence of this) then the bank may step in.
You can then claim the transaction is fraudulent and demand a chargeback.
Keep your original receipt for the chargeback and hotel bill on checkout so that you have evidence.
You would submit your initial complaint to your bank within 30 days of the charge date on your card statement, although it helps that you have flagged the problem already.
Debt panellist 2: Carol Glynn, founder of Conscious Finance Coaching
What a frustrating situation to find yourself in.
Having the charge reversed by the hotel is the easiest and fastest way to get your money back.
I would suggest persevering with the hotel. Do you have a Turkish-speaking friend who can translate your emails into Turkish for you?
It would also be helpful to have a Turkish speaker call the hotel on your behalf to explain the situation and request a refund.
Is the hotel part of an international chain? You could also escalate the issue to the hotel's international management team.
Keep your original receipt for the chargeback and hotel bill on checkout so that you have evidence
Steve Cronin,
founder of DeadSimpleSaving.com
If the hotel continues to ignore your request, you may need to raise a police case against the hotel as, unfortunately, the bank's processes tend to consider this a transaction approved by you.
I would suggest contacting your bank again and declaring the transaction as fraudulent and raising a complaint on this basis.
Check the customer service section of your bank's website for guidance on how to do this, relevant links or email addresses.
Keep a detailed record of all attempted communications with the hotel, receipts from your stay and any other relevant information relating to your interactions with the hotel.
If you cannot resolve the issue with either your bank or the hotel, you can raise a case with the UAE Central Bank.
You need to wait 30 calendar days after you raise a formal complaint with your bank before you can raise a case with the central bank.
Debt panellist 3: Felicity Glover, personal finance editor at 'The National'
I am sorry to hear that your holiday has left you with a frustrating financial issue to sort out.
Hotels typically put a “hold” on a guest's credit card to pay for incidentals, such as minibar charges, room service and potential damage to a room.
The time frame for the hold is based on how long you are staying and is usually lifted a day or two after checkout but this can take up to a week or so.
It is important to remember that when the hold is authorised, that money is no longer available to use while you are on holiday, so always ensure that you have included this charge in your spending budget.
From my research into your issue, it is possible that the hotel may be not the problem. Instead, the delay in lifting the hold could originate with the card issuer — in this case, either Visa or MasterCard.
It is worth checking with your bank if this scenario is possible and asking the agent to contact the card issuer to find out if this is the cause of the delay.
The Debt Panel is a weekly column to help readers tackle their debts more effectively. If you have a question for the panel, write to pf@thenational.ae
Zayed Sustainability Prize
SPEC%20SHEET%3A%20NOTHING%20PHONE%20(2)
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How Filipinos in the UAE invest
A recent survey of 10,000 Filipino expatriates in the UAE found that 82 per cent have plans to invest, primarily in property. This is significantly higher than the 2014 poll showing only two out of 10 Filipinos planned to invest.
Fifty-five percent said they plan to invest in property, according to the poll conducted by the New Perspective Media Group, organiser of the Philippine Property and Investment Exhibition. Acquiring a franchised business or starting up a small business was preferred by 25 per cent and 15 per cent said they will invest in mutual funds. The rest said they are keen to invest in insurance (3 per cent) and gold (2 per cent).
Of the 5,500 respondents who preferred property as their primary investment, 54 per cent said they plan to make the purchase within the next year. Manila was the top location, preferred by 53 per cent.
Key facilities
- Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
- Premier League-standard football pitch
- 400m Olympic running track
- NBA-spec basketball court with auditorium
- 600-seat auditorium
- Spaces for historical and cultural exploration
- An elevated football field that doubles as a helipad
- Specialist robotics and science laboratories
- AR and VR-enabled learning centres
- Disruption Lab and Research Centre for developing entrepreneurial skills
TYPES%20OF%20ONLINE%20GIG%20WORK
%3Cp%3E%3Cstrong%3EDesign%2C%20multimedia%20and%20creative%20work%3A%20%3C%2Fstrong%3ELogo%20design%2C%20website%20design%2C%20visualisations%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBusiness%20and%20professional%20management%3A%20%3C%2Fstrong%3ELegal%20or%20management%20consulting%2C%20architecture%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBusiness%20and%20professional%20support%3A%20%3C%2Fstrong%3EResearch%20support%2C%20proofreading%2C%20bookkeeping%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ESales%20and%20marketing%20support%3A%20%3C%2Fstrong%3ESearch%20engine%20optimisation%2C%20social%20media%20marketing%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EData%20entry%2C%20administrative%2C%20and%20clerical%3A%20%3C%2Fstrong%3EData%20entry%20tasks%2C%20virtual%20assistants%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EIT%2C%20software%20development%20and%20tech%3A%20%3C%2Fstrong%3EData%20analyst%2C%20back-end%20or%20front-end%20developers%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EWriting%20and%20translation%3A%20%3C%2Fstrong%3EContent%20writing%2C%20ghost%20writing%2C%20translation%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EOnline%20microtasks%3A%20%3C%2Fstrong%3EImage%20tagging%2C%20surveys%3C%2Fp%3E%0A%3Cp%3E%3Cem%3ESource%3A%20World%20Bank%3C%2Fem%3E%3C%2Fp%3E%0A
THE SPECS
Engine: 1.5-litre turbocharged four-cylinder
Transmission: Constant Variable (CVT)
Power: 141bhp
Torque: 250Nm
Price: Dh64,500
On sale: Now
The specs
- Engine: 3.9-litre twin-turbo V8
- Power: 640hp
- Torque: 760nm
- On sale: 2026
- Price: Not announced yet
Martin Sabbagh profile
Job: CEO JCDecaux Middle East
In the role: Since January 2015
Lives: In the UAE
Background: M&A, investment banking
Studied: Corporate finance
UPI facts
More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions
UAE currency: the story behind the money in your pockets
The Written World: How Literature Shaped History
Martin Puchner
Granta
ELIO
Starring: Yonas Kibreab, Zoe Saldana, Brad Garrett
Directors: Madeline Sharafian, Domee Shi, Adrian Molina
Rating: 4/5
If you go
The flights
There are various ways of getting to the southern Serengeti in Tanzania from the UAE. The exact route and airstrip depends on your overall trip itinerary and which camp you’re staying at.
Flydubai flies direct from Dubai to Kilimanjaro International Airport from Dh1,350 return, including taxes; this can be followed by a short flight from Kilimanjaro to the Serengeti with Coastal Aviation from about US$700 (Dh2,500) return, including taxes. Kenya Airways, Emirates and Etihad offer flights via Nairobi or Dar es Salaam.
Match info
Deccan Gladiators 87-8
Asif Khan 25, Dwayne Bravo 2-16
Maratha Arabians 89-2
Chadwick Walton 51 not out
Arabians won the final by eight wickets
Benefits of first-time home buyers' scheme
- Priority access to new homes from participating developers
- Discounts on sales price of off-plan units
- Flexible payment plans from developers
- Mortgages with better interest rates, faster approval times and reduced fees
- DLD registration fee can be paid through banks or credit cards at zero interest rates
COMPANY PROFILE
Name: HyperSpace
Started: 2020
Founders: Alexander Heller, Rama Allen and Desi Gonzalez
Based: Dubai, UAE
Sector: Entertainment
Number of staff: 210
Investment raised: $75 million from investors including Galaxy Interactive, Riyadh Season, Sega Ventures and Apis Venture Partners
Lexus LX700h specs
Engine: 3.4-litre twin-turbo V6 plus supplementary electric motor
Power: 464hp at 5,200rpm
Torque: 790Nm from 2,000-3,600rpm
Transmission: 10-speed auto
Fuel consumption: 11.7L/100km
On sale: Now
Price: From Dh590,000
Company%20Profile
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At a glance
Global events: Much of the UK’s economic woes were blamed on “increased global uncertainty”, which can be interpreted as the economic impact of the Ukraine war and the uncertainty over Donald Trump’s tariffs.
Growth forecasts: Cut for 2025 from 2 per cent to 1 per cent. The OBR watchdog also estimated inflation will average 3.2 per cent this year
Welfare: Universal credit health element cut by 50 per cent and frozen for new claimants, building on cuts to the disability and incapacity bill set out earlier this month
Spending cuts: Overall day-to day-spending across government cut by £6.1bn in 2029-30
Tax evasion: Steps to crack down on tax evasion to raise “£6.5bn per year” for the public purse
Defence: New high-tech weaponry, upgrading HM Naval Base in Portsmouth
Housing: Housebuilding to reach its highest in 40 years, with planning reforms helping generate an extra £3.4bn for public finances
UAE currency: the story behind the money in your pockets
Saudi Cup race day
Schedule in UAE time
5pm: Mohamed Yousuf Naghi Motors Cup (Turf), 5.35pm: 1351 Cup (T), 6.10pm: Longines Turf Handicap (T), 6.45pm: Obaiya Arabian Classic for Purebred Arabians (Dirt), 7.30pm: Jockey Club Handicap (D), 8.10pm: Samba Saudi Derby (D), 8.50pm: Saudia Sprint (D), 9.40pm: Saudi Cup (D)
What are the influencer academy modules?
- Mastery of audio-visual content creation.
- Cinematography, shots and movement.
- All aspects of post-production.
- Emerging technologies and VFX with AI and CGI.
- Understanding of marketing objectives and audience engagement.
- Tourism industry knowledge.
- Professional ethics.
Getting there
The flights
Flydubai operates up to seven flights a week to Helsinki. Return fares to Helsinki from Dubai start from Dh1,545 in Economy and Dh7,560 in Business Class.
The stay
Golden Crown Igloos in Levi offer stays from Dh1,215 per person per night for a superior igloo; www.leviniglut.net
Panorama Hotel in Levi is conveniently located at the top of Levi fell, a short walk from the gondola. Stays start from Dh292 per night based on two people sharing; www. golevi.fi/en/accommodation/hotel-levi-panorama
Arctic Treehouse Hotel in Rovaniemi offers stays from Dh1,379 per night based on two people sharing; www.arctictreehousehotel.com
RESULTS
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THE SPECS
Engine: 4.0L twin-turbo V8
Gearbox: eight-speed automatic
Power: 571hp at 6,000rpm
Torque: 800Nm from 2,000-4,500rpm
Fuel economy, combined: 11.4L/100km
Price, base: from Dh571,000
On sale: this week
UAE currency: the story behind the money in your pockets
Killing of Qassem Suleimani
SPEC%20SHEET%3A%20APPLE%20M3%20MACBOOK%20AIR%20(13%22)
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Specs
Engine: Electric motor generating 54.2kWh (Cooper SE and Aceman SE), 64.6kW (Countryman All4 SE)
Power: 218hp (Cooper and Aceman), 313hp (Countryman)
Torque: 330Nm (Cooper and Aceman), 494Nm (Countryman)
On sale: Now
Price: From Dh158,000 (Cooper), Dh168,000 (Aceman), Dh190,000 (Countryman)
The%20specs
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Tearful appearance
Chancellor Rachel Reeves set markets on edge as she appeared visibly distraught in parliament on Wednesday.
Legislative setbacks for the government have blown a new hole in the budgetary calculations at a time when the deficit is stubbornly large and the economy is struggling to grow.
She appeared with Keir Starmer on Thursday and the pair embraced, but he had failed to give her his backing as she cried a day earlier.
A spokesman said her upset demeanour was due to a personal matter.
COMPANY%20PROFILE
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