100% mate

Who are you trying to convince – me or yourself? Quickly delete delete delete!

its TSB bank, they’ve already done multiple chargebacks without dispute only for smaller amounts with different merchants. ZYPH I’ve got a couple of grand to try get back.

What tends to work goods not received is copying what evidence Mastercard require then emailing the bank clearly stating that they cannot deny chargeback etc according to FOS. If you are struggling let me know I will bang what I sent to Chase and it sent immediately

I have read this incorrect ZPDG is digital goods so digital art/vouchers etc

ZYPH is schools education - purchase codes to download trading courses etc

I have already sent to my bank it’s digital goods so what should I say to them now that I’ve sent the incorrect thing again haha

Haha no just leave it, if challenged it is digital goods ain’t it, says on my barclaycard statement school/online education the wording is somewhat irrelevant isn’t it, if they come back you can say it’s a digital online course

Revolut refused me 2 chargebacks with two merchants that sell skins, I sent the formal complaint and today they replied that their refusal is in line with Mastercard laws, and that I can contact the FOS. It makes me laugh because the two merchants, goldveils and g2g global transact are often mentioned here and many have raised without problems. I will definitely contact the FOS

A me Revolut ha rifiutato 2 storni di addebito con due esercenti che vendono skin, ho inviato il reclamo formale ed oggi mi hanno risposto che il loro rifiuto è in linea con le leggi Mastercard, e che posso rivolgermi al FOS. mi fa ridere perché i due commercianti, goldveils e g2g global transact sono spesso nominati qui e molti hanno sollevato senza problemi. Mi rivolgerò sicuramente al fos

You have been too helpful, can you just tell me what you put as a good or service not received? I was thinking about coupon codes, the wording brings body care so if you can advise me what to put I would be grateful

Sei stato fin troppo disponibile, puoi dirmi solo cosa hai messo come bene o servizio non ricevuto? Io stavo pensando a codici coupon, la dicitura porta cura del corpo quindi se puoi consigliarmi cosa mettere te ne sarei grato

Here is what I sent to Chase ignore the merchants can’t be bothered to remove them. They were refusing but then did it straight after this.

All these were added to chat but for ease listing again:

Mastercard would expect attempts from me to resolve with merchant and the description of goods, please note the fact the money left my account is enough for Mastercard that a transaction was placed.

Epine marketsphere - software/codes for software, terms already sent. See email on the terms bounces back. Multiple attempts to resolve with them and Yobe investments, these companies are linked as when I placed the second order on Epine these came up on transactions. Again multiple emails and showing what was purchased. Nothing received.

Cryptoplaza - voucher codes for digital art, terms and conditions sent that say contact for refund but nothing was ever received, products now different/removed from both websites they use. Email address on website bounces back.

Trndbm - multiple sites linked to these, email codes for Spa/body care items, nothing received. Chased via email and phone number, phone said nothing to do with them, terms state contact and refund but again no response.

Other notes - Screens crashing over the last few months card issue or phone connection issue showed the screen on a few. Fact remains nothing received and falls right under Mastercard terms, FOS even state that if the chargeback would be have a good chance of succeeding they should be raised or bank will be liable for the costs in this instance more than ￡950, would have thought bank with my evidence and the fact terms hit you would actually assist. Also noting the merchant is likely to respond if the goods were sent and received (they were not) but currently the only one at a loss is me.

Other issues - constant cutting off from live chat, ignoring of hardship this money needs to come back to me.

Numerous FOS guidance on cases that banks would be expected to raise without delay if scheme rules are satisfied they are on mine, it has a chance of succeeding and as FOS state merchant can either accept or challenge. FOS also state not up to the bank to decide on the outcome as it can go as far as required via arbitration.

So you can see my concerns that you are not processing in a timely manner.

Putting it right - Disputes raised without delay considering the above and all other information, temporary refund due to the delays, compensation of ￡100 for financial and material inconvenience.

I have responded but it’s been flagged for review.

Well, despite all the wonderful assistance on this forum, I think I'm probably going to give up trying...

Monzo Bank are just impossible to deal with and they just refuse to help. I have opened two separate complaints with the FOS about them but it's not going to make any difference. For what it's worth, I wrote a long, negative, 1-star review on TP about Monzo, and I am one of the few not to have received a reply from them on TP itself. They had no defense and it's probably why they didn't try.

Anyway, try to be nice to each other (some of you) but mostly, good luck to everyone who continue on their quest. I genuinely hope you all succeed.

I'll keep watching but I've lost the will in trying to claim my ￡4k back...

You gone goods not received or gambling? Give me a message I think I can potentially help on the complaint, I have lots saved for VISA and Mastercard that seems to have worked for others

I would put directly in here but some stuff is word document and screenshots so would just be huge amount. Anything I can send directly to anyone I will it’s just information obtained over a period of time

Thanks Jimb, how do I contact you? I also have some experience gained over the years and am happy to share with you anything, if I can.

your answer under review has not been published yet, i will wait. Any news from sc wardex?

Guys, never stop saying it, for the newbies: the road of goods or services not received is easier than the road of gambling.

Grazie Jimb, come faccio a contattarti? Io anche ormai ho qualche esperienza maturata in questi anni e sono felice di condividere con voi qualsiasi cosa, se posso.

la tua risposta in fase di revisione non è ancora stata pubblicata, aspetterò. Avete notizie di sc wardex?

ragazzi non smetterlo mai di dirlo, per i novizi: la strada beni o servizi non ricevuti è più facile della strada gioco d azzardo.

I have not got them. I listed my Chase complaint email address on request have deleted if you missed just request again

I can email you the VISA chargeback

Wording for a Mastercard gambling complaint

Mastercard goods not received conplaint

VISA goods not received wording

Mine are all in progress now may have one minor complaint to Barclays to get some raised but they will do.

I am happy to assist anyone but I must stress the main parts are suitable for all but don’t blindly copy as some are specific to me around circumstances, previous complaints etc.

Got it mate

Sent - I am more than happy to share with others, if it helps only one person I would be happy