Hello, my name is XXXXX XXXXX it is my pleasure to assist you with your question today.
Hello Ben, I am hoping that I will be successful. I feel that I have been totally ripped off and the fact that this software company will be ripping off many others. In my opinion this a clear case of fraud leaving me out-of-pocket with nothing to show for my money!
Your options in this case are as follows:
Happy to clarify anything else if needed
Thank you Ben. You have confirmed what I had been told at my Bank regarding my purchase with my debit card. It does seem pretty unjust and unfair for anybody purchasing an item with their debit card, but I do not have a credit card otherwise I may very well have used it for this purchase. Your explanation regarding taking legal action against this company based in USA is quite understandable, unfortunately, otherwise I would most certainly take them on as I have principles. It is a hard pill to swallow, but I think that I am the loser in this matter. It has been quite a lesson and one that I do not ever intend to do again.
Yes I am sorry that is the case. You could still try the Ombudsman service as it would not cost you anything to do so and you may get a decision in your favour instructing the bank to proceed with the chargeback, so there is nothing to lose by doing so, just to keep your options open
Yes, I will try with the Ombudsman service, but TSB's last correspondence stated "I am sorry to say that we are unable to refund any consequential losses as a result of your computer becoming corrupt following the software being installed onto your machine" - I honestly thought that I would be covered under their "chargeback" policy - "free service that helps return a payment back to your account if there's a problem" - and if this is not a "problem" then I am not sure what is! I am very disappointed with my Bank and have no evidence that they endeavoured to resolve my loss any way.
the main issue, as mentioned, is that this chargeback facility is down to the bank to apply as they see fit, unless you go to the Ombudsman and they decide that the bank has not acted correctly.
If I do that, surely I have no proof that the Bank has not acted in my interest.
it is not about proof as such, it is for the Ombudsman to decide whether the bank has applied the code correctly and if their decision here was fair/reasonable
Accepted. I will try with the Ombudsman and just hope that the outcome will be a happy one for me!
Hope so too, all the best
Thank you for your expert and professional advice.
You are most welcome