How to contact you? I can give you an email address if you want one

Goods not received is the route I took

Ping us your email will message you

That's what they want you to do... many questions to be asked about monzo. You can literally put it on a plate for them - Even then they'll try find a way to work it in the merchants favour. They know what these merchants are up to and monzos actions tell me they still try their best to act in the merchants defence. Unusual for a company that prides itself on customer service. It seems more customer vs issuer (bank) rather than customer vs merchant.

Exactly this - see my notes to Chase very similar bank to Monzo. FOS state not for bank to make the decision on chargeback as the final step is arbitration that Mastercard/VISA will make decision. The issue is getting the banks to raise them is the hardest part where in reality as you say customer vs merchant - banks should raise as long as we follow Visa/mastercard rules which we do

One of mine should have gone mastercard arbitration yet they decided to skip this part which is shocking given the evidence I provided. Once I provided irrefutable evidence of fabricated receipts they suddenly changed their stance to the transactions being out of timeframe which was also false. Bearing in mind -they wouldn't have been raised to mastercard in the first place had they been out time. All my evidence was submitted before deadlines also. I won't let it slide, these actions are very suspicious

It’s all strange, Revolut seems the worse as they actually come up as options in their own sub section on these sites.

Did you get that one off to FOS? The issue is with FOS if they don’t raise chargeback you can get it overturned yet if they have raised chargeback then they refuse arbitration there are not many cases that get overturned. I think that will change as we are all getting better at arguing the cases nowadays but still a long way to go

Currently at the complaints stage so will see if they take accountability for their mishandling. From the date I raised the dispute it took them a month to initiate it. In comparison to revolut - it took revolut 24 hours to initiate all my disputes. I actually found revolut a very good bank to deal with. Monzo dont make you aware of timefrimes but will certainly try use timeframes against you. There's a clear systemic issue with them. Like you say we now understand the process of these disputes from start to finish but for the most part I believe monzo uses tactics/internal policies against customers who aren't quite so aware of how the process pans out.

Funnily enough I was stating this to Barclays, it comes down to the individual within the team or that line manager not really understanding then it faces delays or a rejection.

I think Mastercard don’t help as they exclude any crypto purchases and gambling unless funds don’t arrive. The misrepresentation codes are then ambiguous and no statement on illegal gambling added to them saying zero fraud or scam if you authorise a payment which is contradictory to Visa.

Then you find FOS agree with the banks on gambling regardless of misuse of codes on Mastercard, again completely different to VISA where FOS do overturn on 12.7 code and VISA state that they will work with all providers on illegal gambling for chargeback or similar words

Sent - delete the email address now mate. Take a look and email me any questions

Hopefully you can use the goods notes and adapt for your case. I have also sent the miscoding of MCC advise incase you go that route

Yeh too much inconsistency... if it means going goods not received then what choice do we have. The fact banks/mastercard/visa arent making this simple for affected customers is a big eye opener. You then have media articles explaining these banks/mastercard are being fined for processing payments to illegally operating casinos. Probably pennies to them and doesnt change anything. It all seems pretty corrupt but I guess that's the world we live in.

This is it and FOS doesn’t set precedent so again reliant on individual handler to make a decision that can vary from the last one. Ideally for the next victims of this scam it becomes easier as more awareness as we certainly won’t be the last people to deposit on these sites.

Yes you'd think so but it's strange they are still fighting back after a couple years passing, which is concerning. Have you had any go to the FOS for goods not received?

No, luckily Barclays and Chase raised all so have to see what comes of that. Then most of my Barclays are 12.7 invalid MCC so hoping all good on that.

The main point to argue at FOS is the failure of bank considering your evidence and the fact they should go arbitration with it or actually raise them to start with.

Yeh exactly it's more about the mishandling of the bank. I've seen a lot of rejections from FOS regarding wrong mcc but when you reach that stage it's not about how the case is raised it should be focused on the banks poor service. I was just wondering if you'd got to that stage with goods not received.

I’m sure I am due one as I have 10 goods Barclays but they said can change to 12.7 if challenged. And I have 9 with Chase so you never know, I think if they raise them you are in with a good chance of winning unless false invoices come that’s where it will be the argument do bank move onto arbitration or not then it will be complaint and FOS.

After rejecting two complaints, Revolut sent me an email that I can contact the Bank of Lithuania or the

banking financial arbitration.. absurd indeed

A me Revolut dopo aver rifiutato due reclami mi ha mandato una email che posso rivolgermi alla banca di Lituania oppure all

arbitrato bancario finanziario.. assurdo proprio