hace 2 meses
I am still waiting for the Ombudsman to deal with the case with my bank.
All credit card transactions I made have been chargedback. All debit transactions were all declined and I have raised to the Ombudsman.
1
Question about Gambling websites with Curaçao license using incorrect Merchant Category code (página 209)
hace 2 meses
Did your credit card do it via chargeback or section 75?
The call was quite strange I’ve just had they didn’t really want to give me much information, apart from section 75 team dealing with 5/6 of them but one can be put through to chargeback due to nothing received back from merchant. Makes me think the others have formulated something, I am not too concerned as the FOS should side with me if the section 75 doesn’t/complaints don’t. I’m fortunate enough to be able to wait it out but still want it sorting.
hace 2 meses
They did a chargeback on both. One was Visa and one was Mastercard. The Visa one was made way easier, the Mastercard one I had to fight for.
I'm in the same position, I can wait it out now, but I do want it resolved.
2
hace 2 meses
I am still waiting for the Ombudsman to deal with the case with my bank.
All credit card transactions I made have been chargedback. All debit transactions were all declined and I have raised to the Ombudsman.
hace 2 meses
What bank?
Revolut rejected all of mine - first 4 because they cannot dispute under Mastercard rules as I "shared details with a third party. Other 2 they can't do because they "can't deal with gambling transactions" even though a gambling merchant code wasn't used so they are not gambling transactions. They are a complete joke with anything related to card/payment fraud. FOS case has been raised.
NOTE FOR ANYONE WHO USED KINGUIN VOUCHERS - beware if you dispute these, they will counter dispute and send your bank false information and claim that the "betting vouchers" were provided free when you purchased vouchers for PC Games! An elaborate fraud.
1
hace 2 meses
It’s so frustrating as Barclaycard are making it way more complex than it should be, one rejection then one authorised then 5 through to section 75 due to the "nature" of chargeback whatever that is haha….
Im sure it will all get sorted but you just want some consistency and them to do what is asked, like @cryptoG has put I do have some concerns that a few of them have come back with some dodgy data hence why it’s progressed to a section 75.
hace 2 meses
It’s so frustrating as Barclaycard are making it way more complex than it should be, one rejection then one authorised then 5 through to section 75 due to the "nature" of chargeback whatever that is haha….
Im sure it will all get sorted but you just want some consistency and them to do what is asked, like @cryptoG has put I do have some concerns that a few of them have come back with some dodgy data hence why it’s progressed to a section 75.
hace 2 meses
The stupidity of Kinguin has been exposed though as my credit card company shared the information with me. I have access to the Kinguin account and can clearly show what they are saying is false...but it can only be disputed once...so it then leads to ombudsman involvement which takes months.
1
hace 2 meses
Starling Bank mate for me!
hace 2 meses
Yeah, it's all so dodgy. I can't believe banks are so relunctant to look after their own customers
1
hace 2 meses
All of you who have problems with Revolut, take it as far as possible, I appealed via their complaint form (Google it if you dont find it in the app) and when they responded with their standard response that their decision is final and that they have done everything they can, attach all the information you have where you contacted everyone possible authorities as well as Visa or Mastercard support.
If you have a police-report of all transactions, attach a copy of the report to them, this will push them to go through with your chargebacks.
You always have the law on your site on all these cases no matter what Revolut trying to make up, they always have an excuse for anything.
This worked for some transactions before.
You also have the law completely on your side and this is the answer I got from ChatGPT:
If Revolut has rejected your chargeback despite the fact that you haven't received your goods and the merchant is unresponsive, there are a few steps you can take to push the process forward. Here’s what you can do:
1. Revisit Revolut's Decision
Start by contacting Revolut again and formally request a reconsideration of their decision. Provide any additional evidence or documentation that may strengthen your case, such as:
Proof of transaction (confirmation of payment).
Order details (order number, date, and receipt).
Communication attempts with the merchant (emails, messages).
Proof of no delivery, such as tracking information showing that the items were never shipped or delivered.
2. Reference Consumer Rights Laws
Under many countries' consumer protection laws, including the UK Consumer Credit Act 1974 or EU Consumer Protection Law, you have the right to hold the credit provider (Revolut) responsible if the seller fails to deliver. These laws allow you to make a claim against your card issuer if goods paid for by credit are not provided.
If you're in Sweden, you can also refer to the Swedish Consumer Credit Act (SFS 2010:1846). This act allows you to hold the card issuer accountable for any breaches of contract by the seller.
3. Mastercard Chargeback Rules
Revolut is obligated to follow Mastercard's chargeback rules, which generally provide protection for non-delivery of goods. Remind Revolut that under Mastercard's policies, you are eligible for a chargeback if you can prove that the goods were never delivered, and the merchant is unresponsive.
4. Escalate to Financial Ombudsman or Regulatory Authorities
If Revolut continues to deny your claim without a valid reason, you can escalate the matter to a regulatory body such as:
The Financial Ombudsman Service (for UK-based complaints).
Allmänna Reklamationsnämnden (ARN) in Sweden.
A similar regulatory body in your country.
These organizations can review your complaint and determine if Revolut's decision was fair.
5. Formal Complaint to Revolut
Ensure that you have followed Revolut’s official complaint procedure. Request a written response explaining the reason for rejecting your chargeback, and mention that you will escalate to the relevant ombudsman or regulatory body if the issue is not resolved.
6. Legal Action
As a last resort, you may consider small claims court if Revolut and the merchant both refuse to cooperate. Depending on the value of the transaction, this could be a viable option.
Summary of Action Steps:
Request a formal review with all documentation.
Cite applicable consumer protection laws.
Mention Mastercard’s chargeback rules.
Escalate to regulatory bodies if necessary.
By following these steps and persistently advocating for your rights, you may get Revolut to process the chargeback.
(Sorry for the long post) But it can be valuable information to push these chargebacks through🙂
Editado por el autor hace 2 meses
2
hace 5 meses
Falcora is nauda pay! That's who mine are with and I have just given them the references after they asked so I can keep you updated.
hace 2 meses
Dear all,
A representative of "Noda, a global Open Banking platform (Nauda Pay Limited)" just forwarded information to me, requesting that we address the aforementioned post.
Please take note that Nauda Pay should not be confused with "Falcora," per the information stated in the email I've just received.
hace 2 meses
Barclaycard after 3 weeks now saying it’s fraud so god knows what’s going on with mine now?
1
hace 2 meses
I try one last time.
CSH Topup
AL_Logo_Creator
KEYLSM
Any info?
Would appriciate it big time!
hace 2 meses
Financial Ombudsman have just ruled that Instantcasino.com payments taken from UK debit card is fraud because they appear to be using names of merchants who have nothing to do with said payments - awaiting their resolution terms with Revolut now. This will change the landscape a bit.
Editado por el autor hace 2 meses
8
hace 2 meses
Awesome..I'm waiting on the bank to address my complaint and then it will be the ombudsman if all doesn't go well.
1
hace 2 meses
Did mine august heard nothing apart from they’ve asked bank for there information
hace 2 meses
In the same boat, they've asked the bank and are waiting to assign my case to an agent. Was around august i started the claim too
Editado por el autor hace 2 meses
2
