I recent made a journey with a friend of mine and the provision of the rail service was poor. We both had the same ticket types but booked on different sites, one was booked on Cross Country website and the other set on Transpennine Express. All the travel was on neither of these train companies. Although non of the services booked and traveled on were delayed or cancelled. There were other aspects of the service that were poor. This was things like overcrowded trains, toilets not working, poor customer service and not providing services for a disabled traveler. I have taken this up with the TOCs concerned that travel occurred on and am waiting to hear back. However, having discussed this today with my credit card company, they advised me that I do have basis for making a Visa charge back claim for the value of the tickets. However, they would recommend that I take this up with the retailer who I purchased the tickets from first and ask them to issue a refund onto my card before getting back in touch with the bank to start the charge back process. When I checked to confirm and said that the retailer was different to the train companies traveled with they confirmed that in terms of a refund back onto my card for poor service provision, it would be the retailer who this claim would be against and that any customer service complaint to the operators I traveled with is separate to the card transaction. Is this correct that in terms of rail ticket sales, the retailer has some liability even if travel took place on a different TOC?