I ordered online and paid £580 for an iphone that was never sent. The merchant proved to be a fraudster who shut down the website on 20th Nov., running away with the customers’ money. Just before closing down the website, he put up an announcement - see attached screenshot.
Needless to say, we never got our products. It turns out we were scammed! He clearly said in that last announcement that the company went bust, and he asked the customers to claim refund from their bank/ card provider. Importantly, they is NO way of contacting them. No more website, no one answering the phone number, and the email I sent on 22nd Nov obviously never got a reply.
I contacted Monzo on the same day.
On 23rd Monzo got in touch saying that I provided sufficient evidence for them to initiate a chargeback via Mastercard. At that time, the deadline was 17th Feb - see the next screenshot.
I was going to wait, although it was almost 3 months.
To my surprise, I just saw today that the deadline was moved to 1st April - see screeshot.
That makes it OVER 4 months since 22nd Nov. when I first contacted Monzo!
I find the waiting of over 4 months unacceptable, especially where my case is clearly a case of a scamming merchant who took the money without honouring the order, closed everything down and applied for his company to be striken off the Companies House!
This is a clear case of fraud.
Please advise. £600 is not a small sum, I have been extremely upset about this whole situation, and I am currently unemployed - so you can imagine that in my present financial situation this amount of money is significant.
What chances do I have to appeal against/ complain about the significant delay caused by the change of the deadline from 17thFeb to 1st April?
Should I try and contact MasterCard directly?
Should I make a complaint to the Financial Ombudsman Service?
Any light and advice as to how I can get back the money that I was scammed of would be much appreciated.