If you paid by Visa DEBIT card this may be worth a look ...... it is from Moneysaving Expert site.
Did you pay on a Visa Debit or Credit Card?
If you paid on a Visa credit card for something over £100, then use section 75 above as that is legal protection and is a legal right.
Yet if you paid on a Visa debit card for any amount, or in the unlikely event you paid for flights under £100 on a credit card, then you have a reasonable chance to get your cash back via the Visa Debit Chargeback system.
Unlike with credit cards, Chargeback isn't a legal protection, but a protection from Visa's own rules. It's effectively Visa's own refunds system. It's designed so that if you pay for something and that order/service hasn't been adequately completed or is never received, or the order is illegitimate in some way, your bank can do a chargeback from the bank that collected the payment.
The crucial part of this is that the chargeback means you're asking for a refund from Zoom's payment processing bank rather than Zoom itself, which is great news, as Zoom has no cash, but its bank does!
Importantly, your bank must request a chargeback within 120 days of you realising the contract won't be completed (not from the date of the transaction), but don't even think of leaving it that long; get the wheels in motion straight away.
How do you do a chargeback?
Quite simply call up your bank, with all the details of the payments made to Zoom (check your statements, if you don't have them, ask the bank for details, but this will slow things down) and ask it to "start the Chargeback procedure" to get you your money back on the basis of "non-delivery of the goods".
At this point it's quite possible the person you're talking to will never have heard of Chargeback. Yet don't let that put you off; this is a legitimate system, and you need to (politely) stand your ground. If the bank says no, write an official letter of complaint and note that you'll be writing to complain to Visa.
Luckily, the more people who try to do a Chargeback, the more likely it is the banks will know the process and proceed.
