ispy - 1:25 am on Jan 9, 2006 (gmt 0)

Banks handle chargebacks differently, they are not all the same. Ifyou never win and you have dotted your p's and q's then its time to switch your merchant account to another provider. Try a small bank offering merchant accounts who will probably be more fair. They will often remove the money from your account but credit it back after you reply with you evidence and tell you what you need to submit for a successful dispute.