Visa/Mastercard Chargeback article discussion

Hi.
I'm pleased to have successfully received a chargeback on my credit card of £1000 due to a car hire company automatically charging me their full excess when their hire car broke down.

The car hire company refused to provide me with a roadworthy car so I immediately hired an alternative car from a reputable company. That car hire was extremely expensive at £900 for 17 days. I also incurred taxi costs of £150.

Can I claim for these additional consequential costs?

Help! I am at my wits end and feel like i am now battling two organisations prepared to rip me off. I Purchased two APPLE macbook pro computers from a high street retailer in Lewisham. I had lengthy discussions clearly communicating that i was buying them as i need 2011 models or newer in order to run specific software required for a university course, I and my partner already owned 2009 and a 2010 model which could not run the updates required.

After a demo in the shop i agreed to buy a 2011 15" machine and a 17" 2011 model for my partner. The owner suggested i pick them up in an hour once he has completed a transfer of the software he had promised in the deal. I AGREED - DOH!!

i returned one hour later, paid for the laptops on MY Natwest visa Debit Card and was then handed an invoice detailing the sale of two macbooks however did not state exact model or year purchased. I also noted whilst still on the premises the receipt states - no refunds given under any circumstances, i raised this immediately however the assistsant laughed it off and just said any problems, call me. Then i was handed two carrier bags in which the laptops had been wrapped and taped into bubble wrap.

when i got home 70 miles away 2 hours later i unwrapped my purchase and discovered to my horror that i had a 15" 2010 macbook pro and even worse a 2009 17" macbook pro which wont even open past the initial . log on screen, it freezes and is unuseable. I Have been duped. I called the mobile numbers of the shop immediately to request a full refund and to return these machines, they are no good to me and i am also over £1000 out of pocket. The store argued i knowingly bought these items and have refused a refund or to accept them back, telling me to meet . guy in barnet to sell one of them privately!!

i complained to Trading Standards who agree that my consumer rights have been breached they are taking the complaint on and i also requested a charge back through my bank provider Natwest.

after explaining, sending through copies of the invoice, voice clips of the owner outright refusing my refund or to accept the goods back even. i was initially awarded a refund. i have the laptops here ready for the seller to collect and sent photographs to the bank to evidence serial numbers/year of the machines etc.

however, i am utterly gobsmacked that out of the blue, with no explanation or notice Natwest have decided to reverse the refund to me and re debited the full amount out of my account, literally wiping out my available funds. i contacted them to challenge this to be told i have not provided sufficient evidence?!! They have had receipts, voice call recordings, trading standards response agreeing with me, what else could i have provided and can they just debit my account with no warning? i have done everything by the book yet am now left unable to pay my rent or bills, stuck with two useless macbooks that were not what i had bought and paid for.

How could Natwest think it acceptable to treat their own customers as criminals and allow them to literally steal my money from out of my account?

what do i do now? complain to FOS, camp in the branch until they see sense? HELP.. they are in no hurry to fix this yet i have a family to feed and bills to pay! shockingly bad process!!