Topic

Missing deliveries

Money paid in advance for goods that never arrived: how to work out who actually took it and who to write to first, and which of the several deadlines running against you closes soonest.

Everything here starts the same way: you paid, the money moved on schedule, and the delivery did not. The charge itself is not usually what is in dispute — you are saying the thing you paid for did not happen, and the terms and the evidence decide whether that holds. So settle who actually took your money: the name on the statement descriptor, the sender of your order confirmation, and whose terms you accepted at checkout. Where those disagree, the first written request goes to whoever charged you.

The costliest mistake here is not a weak argument. It is spending the deadline. A marketplace's protection window, a payment provider's dispute window and a card issuer's notice clock start from different dates, and none of them waits for a seller to stop replying — so ask each what date yours runs from, keep both the date you were given at checkout and any revised date since, and file before the shortest closes. Missing it usually costs you the quickest route rather than every route, but the rest take longer. None of this promises you a refund. The terms you agreed to and the facts you can evidence decide that.