Well my chargeback was issued by my bank and paypal is still taking its time to investigate. I received a letter saying my bank returned the amount to the retailer for investigation, and that the retailer has told them he declines my claim. So my bank's credited my account while waiting for the outcome and said they need to debit my account at their specified date. The retailer's told paypal that it's an intangible service and was delivered. Bah, I can send paypal screenshots of my email inbox to prove he never delivered the service I paid for because he went arguing with me. He's even threatened paypal to take his business elsewhere if they refuse to 'protect him from chargebacks and fraud'. I'm the one who lost money and now I'm getting labelled a fraud. I'm really ****ed off now. I contacted my bank's visa debit card department and they told me visa debit cards do not protect consumers like credit cards do. They said if the seller refuses to refund me they can't force a refund with a visa debit card.

Does it really take a month or more to get your money back? That [causing problems] seller will probably use it to earn his bank's interest during this time... A couple days ago I phoned up Halifax asking for a chargeback for a online service/virtual goods not delivered - paid on paypal. I've already made a paypal claim and know it will get me no where since they don't cover virtual goods and services. The staff said he filled the form so I didn't need to. I asked to be contacted by phone not by post. How long should I wait before contacting Halifax again to rush them?