Good luck - The more people win the more the banks are actually helping, that should then lead to better results for all.

The main blocker is getting banks to raise, as others said banks don’t pay you the merchants do the banks just assist via chargeback. Yours is a hefty amount but I would if it were me and owed that much get back on and say you made a mistake, you suffer from poor mental health and this account wasn’t the gambling that’s a different bank but these are goods not received and then state what for. Although ￡40k over what must be a number of transactions may raise cause for concern.

I know a few have got the incorrect MCC logged with Mastercard but it’s rare and only really applies if you had a gambling block on

January 25 with Chase i have 3 merchants. One of them already sent the money.

December 24: 2 more merchants

September 24: 1 more

I have two more with Wise. Wise chargeback status showing In Review since September 2024.

With Revolut i have roughly 25 merchants.

I got ￡2000 back with Wise they will raise them complain about it mine were declined then I went back to them then it went to in review then chargeback raised

Revolut are meant to be really hard from what everyone says.

I was about to cancel the dispute because of the status In Review for so long, then i asked the agent and he said great news, the merchant does not respond. And he advised me to wait... How long took yours to be raised?

Credit card as well ain’t they so the fact they ever said they won’t refund is a laugh literally in law that you cannot use a credit card to gamble with within the gambling act

Revolut cancelled all my disputes.

Others have said the same lack of info etc. They must be the ones complained about most on here, go back goods not received and no authorisation emails/codes etc?

Tried everything, but unsuccessful.

Your dispute request regarding the following transaction(s) has been cancelled.

Why was it cancelled and what does this mean?

Your request was cancelled because you didn't provide us with any evidence that you attempted to raise your query with the merchant first, before raising a request with us.

We are obliged to process disputes according to Visa and Mastercard rules. Those rules state that Revolut can only initiate a recovery process for a customer if the customer attempts to address the dispute directly with the merchant first.

As a result, we have closed this request and won't be pursuing this claim any further.

Maybe email merchant state no goods received then send onto Revolut, you only have to try you don’t need a response. Mastercard state that the delivery date must be supplied on a chargeback if not then you must wait 30 days. Your probably over that but just make up a delivery date for digital items it’s the same day, Chase tried to delay me on that section of the terms

Like Paul and I said there is no magic formula but you just keep trying until you win. Sounds like you are giving it a good go though, fortune favours the brave as they say…..

Already sent email to some merchants. Can't find the details for all of them, but there's another issue: most of those transactions have been placed in 2023 and 2024. The most recent one was May 2024.

So the angle I would take there and double check it’s from the expected date of delivery state it should have been delivered this month that bypasses the expired date of 3 months or whatever it is.

If they cannot be contacted go back to Revolut explain and log goods not received they literally have to raise that and FOS would back that. Money gone from account, you cannot contact as no details. Then ones you can contact if out of time state delivery was due now so well within time again

Let me see if i got this right...

Paid the merchant for the 'goods' November 2023, delivery date October/November 2024?

I fought them for a few weeks then copied in the fos and they then put them in review then raised then after that it is 45 days I got the refunds a few days after this

Nice. Well done. How old were your transactions?

Revolut are impossible they support the scammers