Okay. Well feel free to look up the definition of a chargeback.
You were scammed. You paid money for something which likely never existed or wasnt theirs to sell in the first place and the person I imagine dropped all contact with you. The bank had fair grounds to treat it as a scam and the receiving bank must have agreed, although by this point they had wiped the money out of the account anyway. I expect you weren't the only one and with multiple complaints, they had to act.
This case is not the same. It sounds like a legitimate business who are just being crap.
I only deal with these cases day in, day out, but I'm sure you're right. Bank transfers are not a safe payment method for paying for goods. They offer you far less protection and its much, much harder to get your money back.
i agree - cases where youve paid by direct bank transfer dont usually automatically refund you when you call your bank to declare youve been scammed, and for them to claw the transfer back.
Best pay by card…any card…than direct bank transfer!
We almost lost 5k for agri equipment. The police of the scammer area were alerted and UK trading standards = not helpful - they told us to report to the other! We said ‘we have, theyre not doing anything to help” - then they said ‘small claims court’ Or try your bank.
Digging online revealed the scammer had done it to many others, and they ended up winning their small claims cases.
Police and TS were notified of his several recent cases of fraud - still nothing.
The bank - Santander - were very helpful and only could confirm the account the money was paid into. They opened a fraud file Etc…but couldnt refund our money.…they said small claims.
So we started SC proceedings, and that was enough of a threat to get the scammer to refund us money he held for over 8 weeks, minus his ‘costs’…of course 🙄
P.s dont buy from any welsh uk agri dealer that rhymes with bowie agricultural equipment 😉