It is not exactly like that . I am running an online business and occasionally I receive disputes on paypal and I respond and win them. However, if the client goes to the bank and disputes there (chargeback), I always, always lose. You just never win a chargeback because , in case of chargeback, its also written on the paypal terms and conditions, the client’s bank (monzo in my case) decides the outcome . Obviously, the client’s bank will side…with the client and paypal will lose. Then Paypal will take it from the merchant.
What happened here is that not only they decided AGAINST ME, but it cannot even be disputed ?