I don't know if the banking Ombudsman will care (they tend to be under the employ of the bank itself)...but I'm trying to look at this from as neutral a perspective as possible and it freaks me out that I could have been in your shoes had I ordered from them.kangarooz wrote: ↑Sep 26th, 2017 11:43 pmThe best protection is ebay + Paypal + CC. is probably the best. Will the Banking Ombudsman care? technically its kind of a credit card issue no? It was a chargeback dispute, and MS Store sent them a packing slip (lol) and apparently that was enough to prove that they shipped the product. I personally dont think MS Store scammed me by not sending the laptop but I wanted to them to push UPS to either compensate them or me directly, as most likely the laptop was shipped but was stolen on the way to my house.
https://www.td.com/to-our-customers/omb ... udsman.jsp
It seems REALLY negligent for MS Store to ship with such bare requirements. Even requiring a signature isn't a failproof system, as a) someone who's not you could technically sign and take the package; or b) I have read about courier delivery people leaving packages at the door without a signature even when something was shipped requiring signature. However, it's all about honest due diligence and I really think MS Store screwed up by not adding a $10 signature requirement.
eBay/PayPal had lots of scams where scammer buyers would claim a shipped item was never received (which eBay/PayPal would default in siding with), so they started requiring signature on higher-cost items for any Seller wanting to challenge a dispute in higher-cost transactions.
In the past year, however, eBay/PayPal ludicrously failed me in my claim that a Seller did not describe her item properly to me because of a technicality in how I categorized my original complaint through their rigid system. (They used such formal statements as "we have concluded this investigation" and "this matter is now closed." It's just official-sounding words for "We don't want to look at it anymore." It does not mean that they are right or that you have to give up.) It was Chase Amazon Visa/Scotiabank's chargeback dispute department who ultimately fought for me and won (over just $250.) There was an eBay thread on RFD where I talked about it at length and posted pictures.
I find it really difficult to be sympathetic to MS Store since you had no control over selecting the shipment security options and TD Bank/Visa's investigation appears extremely flimsy. For all we know the package was delivered, yes, but possibly to the wrong address.