Anyone dealt with nationwide and can advise how best to go about it. I see the firm on the website for chargeback but I have literally hundreds and hundreds of transactions. If I have to do them one by one I will but planet of me is wishing there is an easier way!
I think I got lucky with the person dealing with it and I provided in depth information initially. Revolut were quick to respond to them as well. As said, it isn't finished yet...just need to see what the final outcome letter states.
Hi Nathan,
Can I just check how you managed to successfully chargeback your credit cards?
I assume you used the template provided on here? I.e incorrect MCC. I also assume you were transparent and said it was gambling related? Did they accept chargeback right away or did you have to pressure?
Could I ask how much they were for? I have several at over £1,000 a time.
Thanks
Hi Lizzie,
Was it Platinum that refund you directly? What did you say?
Thanks
Hope everything works out! I'm having hell with Revolut who totally refuse to help me and am currently filling out forms to email their bank in Lithuania.
I don't really know what to write, just wondering if I should write that I didn't receive any goods or if I should mention the wrong MCC code.
In the past, Revolut has claimed that they could not help in these cases and referred to gambling transactions/gaming credit.
although the transactions are not casino transactions as everyone here knows 🙂
Revolut still dont exactly answer my questions when asking about a real answer why they rejecting my chargebacks.
On the transactions they just saying "We have reviewed your case and unfortunately this transaction is not eligible for a refund.
this depends on the card brand's rules. The decision is final and cannot be revoked"
From Revolut complainteam:
Hi Lucid
Thank you for your reply.
I am sorry to learn that our decision was not satisfactory. Please note that the internal rules do not allow the dispute to be raised, hence, we cannot raise them.
While we acknowledge and understand the inconvenience you experienced, we have thoroughly reviewed your case and our decision remains final.
If you wish to escalate your case further, you can consult the Your Rights section of our answer.
Hi,
Yes, that's right. Mine was a little over 3k. I was honest with them, but I also explained that I had plenty measures in place to ensure I cannot gamble and the only reason why these were able to be accepted is because they used the incorrect codes which means they avoided all blocks I had in place.
They did stress that in the future they will decline this and will only issue the chargeback on this one occasion.
Hope everything works out! I'm having hell with Revolut who totally refuse to help me and am currently filling out forms to email their bank in Lithuania.
I don't really know what to write, just wondering if I should write that I didn't receive any goods or if I should mention the wrong MCC code.
In the past, Revolut has claimed that they could not help in these cases and referred to gambling transactions/gaming credit.
although the transactions are not casino transactions as everyone here knows 🙂
Revolut still dont exactly answer my questions when asking about a real answer why they rejecting my chargebacks.
On the transactions they just saying "We have reviewed your case and unfortunately this transaction is not eligible for a refund.
this depends on the card brand's rules. The decision is final and cannot be revoked"
From Revolut complainteam:
Hi Lucid
Thank you for your reply.
I am sorry to learn that our decision was not satisfactory. Please note that the internal rules do not allow the dispute to be raised, hence, we cannot raise them.
While we acknowledge and understand the inconvenience you experienced, we have thoroughly reviewed your case and our decision remains final.
If you wish to escalate your case further, you can consult the Your Rights section of our answer.
It is their stock reply to everyone - I had this from them as well.
The thing is if you have charged back(after 7 days) as "Goods and Services not received" and provided the emails you sent to merchants you would have got your money back. By telling them the truth about the situation it falls foul of T&Cs and becomes far more difficult.
Im sorry for the confusion but this is exactly what i did, and now im stuck.
I havent mentioned casinos etc, just told em i havent recieved the goods and gave them proof of contact 😕
So i dont really know why they reject me.
Im sorry for the confusion but this is exactly what i did, and now im stuck.
I havent mentioned casinos etc, just told em i havent recieved the goods and gave them proof of contact 😕
So i dont really know why they reject me.
If you hadn't mentioned casinos you would have been fine. If the merchant is a Nigerian bookseller - confirm you didn't receive any books etc etc. I was honest in my assessment and that is why mine was rejected and is now with the ombudsman. You appear to get rewarded for doing what the casino has done - hiding the true nature of the transaction.
To clearify, i have not mentioned Casino or gambling when ive been in contact with Revolut🙂
I have transactions from "Grotobook" for example and i just told em that i havent recieved any Ebooks and waited 1 week, no reply for the merchant.
Maybe Revolut changed their way of handle these transactions or something.
Gonna contact their Lithuania bank and complain (not mention casino) and see if it can solve this. ✌️
1 of my 7 from Barclaycard refunded overnight, not sure why the others are such an issue but does give me some ammunition to go back at them as they cannot use the "gambling" excuse now.
Great news! Well done!! Surely the other 6 will follow?!
Are these credit cards? Mastercard or Visa?
You would think so but they are pretty incompetent:
WPBAZAR - refunded via a dispute, was told this went section 75 but who knows?
Newton OS - rejected for gambling, complaint raised.
Newton OS X2 - sent to section 75
ZPDG - sent to section 75
Balon tech - Onto to next stage of chargeback
Thats the info given to me this week, but they are not transparent.
I also had a new card sent out three weeks after these disputes and a text saying in order to progress the dispute we need to send a card out due to fraud.
Visa Barclaycard credit card
First media coverage about this, in Swedish though, so need to use translation.
https://www.dn.se/ekonomi/skalbolag-ett-satt-for-olicensierade-kasinon-att-ta-sig-forbi-spellagen/
Call to Barclays apparently all processed today so will come up on my statement later or next week.
I have used the template that was available earlier in the thread, always maintained that I tried to deposit to gambling site, I have then argued on incorrect data, misrepresentation and goods not received.
Just got this from Revolut out of nowhere:
"We have closed your account because we believe you have abused your right to dispute transactions with merchants. We have contacted you about this before. As a financial services institution, it is our duty to protect our customers’ accounts. We reserve the right to close an account if – we have good reasons to believe that you may harm our reputation or goodwill if you continue to use your account – you have seriously or repeatedly breached our terms and have not taken action within a reasonable time after we have asked you to do so. This is described under the section ‘When could you suspend or close my account?’ in our Personal Terms. Please visit revolut.com/legal to read our Personal Terms."
They have not contacted me about anything and have not asked me to take action for anything. So they closed my account for disputing these transactions. 🥳
Do you have any unresolved chargebacks and what will happen with them if Revolut closes your account?
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