Fik et totalt nonsens svar om min FOS-appel:
Kære hr. Mcewan
Tak for din e-mail og de yderligere punkter, som jeg nu har kigget nærmere på.
Med hensyn til din henvisning til Mastercard kan jeg kun se på din klage og det, du rejste, da du bad Revolut om at foretage chargebacks. Desværre var de oplysninger, du gav, utilstrækkelige til, at de kunne foretage en chargeback, som havde udsigt til succes. Og en chargeback er ikke en automatisk ret eller forpligtelse for en kortudsteder, der foretager en chargeback, når en forbruger anmoder om en. Men vi ville anse det for god praksis at forsøge en chargeback, hvor retten eksisterer, og der er en vis udsigt til succes.
De spilletransaktioner, du anmodede om chargebacks for, var godkendt af dig, du var klar over formålet med transaktionen, og du fremlagde ikke tilstrækkelig dokumentation til at vise, at en chargeback kunne lykkes.
Ud fra de oplysninger, du har givet om andre banker, ser det ud til, at de tilbagebetalinger, der var vellykkede, kun skyldtes, at forhandleren ikke svarede, og jeg bemærker, at det var en succes, da en forhandler svarede. En eventuel manglende svar fra en forhandler ville ikke være en grund til at sige, at Revolut kunne have brugt det til at foretage en tilbagebetaling, fordi tilbagebetalingen ikke syntes at have en chance for at lykkes. At fortælle dem, at de burde have foretaget en alligevel, i tilfælde af at en forhandler ikke svarede, ville ikke være en gyldig grund til at bede dem om at gøre det.
Med hensyn til lukningen af kontoen, selvom den automatiske chat ikke kunne hjælpe med lukningen af kontoen, gjorde Revolut, hvad vi ville have forventet af dem, ved at rådgive dig om, hvordan du kunne gå videre og lukke kontoen, så vi kunne ikke sige, at de handlede urimeligt.
Jeg er ked af, at dette ikke blev det resultat, du havde håbet på.
Med venlig hilsen
Got a total nonsense reply about my FOS appeal:
Dear Mr Mcewan
Thank you for your email and additional points which I've now looked int.
With regards to your reference to Mastercard, I can only look at your complaint and what you raised when you asked Revolut to raise chargebacks. Unfortunately, the information you supplied was insufficient for them to raise a chargeback which had a prospect of success. And a chargeback is not an automatic right or obligation that a card issuer raise a chargeback when a consumer asks for one. But we would consider it good practice for a chargeback to be attempted where the right exists and there is some prospect of success.
The gambling transactions you asked for chargebacks on were authorised by you, you were aware what the purpose of the transaction was and you supplied insufficient evidence to show that a chargeback could be successful.
From the information for other banks you have supplied it appears the chargebacks which were successful were only because the merchant failed to respond, and I note that it was successful when a merchant did respond, possible failure to respond from a merchant wouldn't be a reason would could say that Revolut could have used to raise a chargeback because the chargeback didn't appear to have a prospect of success. Telling them they should have raised one anyway just in case a merchant failed to respond would not be a valid reason to have asked them to do so.
With regards to the closure of the account, although the automated chat couldn't help with the account closure, Revolut did do what we would have expected them to do in advising you on how you could go ahead and close the account so we couldn't say they acted unfairly.
I'm sorry that this was not the outcome you had hoped for.
Yours sincerely
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