As some of you may have read, I was due to visit Scandinavia earlier this year until COVID struck, after purchasing the ticket in October. When the travel agency refused to rebook without charges, refund the money, and ended up hanging up on me or leaving me in limbo on a call (wait time 1 hour) I launched a chargeback. They insisted that after a period of 120 days, the chargeback is invalid. What recourse is available - the AFCA doesn't mention anything specific about the timeframe which makes me wonder if I'm out of recourses here.
Whole Story: I bought my ticket from an overseas travel company SchmoeRooFate (not the actual company.) During the uncertain periods I called the travel agency multiple times to try and get a refund. Initially the travel agency insisted on charging a cancellation fee, or stated that the airline did not allow refunds. When I called the airline, they stated that I could get a refund or re-book the air ticket for a different day. I've called and emailed the travel agency multiple times without any response apart from autogenerated.
In the end, the agency did not rebook the ticket and I nearly missed the flight but the airline managed to rebook me. Unfortunately restrictions have delayed the flight and I have sought a refund. Airline said it could be done but the travel agency has not responded in any way. Airline has since become insolvent and I sought a chargeback. The company insists that the 120 days means the chargeback is invalid.
Bank has asked me for a response for a final decision. What could I theoretically do team - if there's any bankers with high yielding investment vehicles with specialisation in chargebacks, I'd especially appreciate weighing in here? :D