[user104658]

Originally Posted by Cherie

Its fairly specific both were cancelled due to Covid



I will win

I think you're definitely due the refund but I think they might expect you to wait a bit longer to see if it comes through "as expected"... and also they might just say you can take it up with small claims if the company doesn't refund. If they've already said they will then it's a no-brainer and they'd most likely front up the cash as soon as the letter about a court claim came through, as they'd be liable for court costs too if it actually went that far.

Whether or not the bank will do a charge-back is down to human discretion it seems, an account manager will assess the case and make the decision on whether or not to put one through or decline. So a bit of a roll of the dice really. Depends who looks at your claim and how they're feeling that day!