So my bank forwarded me Apples response to the dispute. What is strange if Im reading this correctly, they are just saying they can confirm the purchase was not made by anyone else but me. Which is true. They seem to be missing the point that I am arguing it was not delivered. I'm not saying someone stole my card and made the purchase.
Either way, I have 48hrs to respond. Then Visa decides.
Spoke to the police the other day. They emailed Apple through their law enforcement portal weeks ago. They got an email back saying it was received and haven't heard anything from Apple since.
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I do think you are reading it wrong. Your bank is basically saying you have two options, accept what the merchant (Apple) is saying or dispute what the merchant (Apple) is saying, based upon the document Apple has provided outlining why they say your dispute with them is invalid.
In Apple's document there are two things that are of particular importance which you need to carry on disputing. One is where Apple say's 'Please see attached POD (Proof of Delivery) showing the product was delivered as addressed/requested by the customer (you)'. Firstly Apple says the POD is attached so what exactly is Apple's POD? (Proof of Delivery). Your rebuttal to this is that under Apples terms and conditions of sale and delivery, the customer must take 'physical' possession of the product. This did not happen therefore Apple is in breach of the contract of sale. Having a delivery driver turn up at your address and then drive off does not constitute 'delivered'. Taking 'physical possession' is the only thing that constitutes 'delivered' under the Apple's terms and conditions. Therefore does Apples POD show that physical possession of the product took place?. We know it doesn't because the Uber driver signed off that it was delivered. The Uber driver did not walk up to the building and hand you the product. So, that is rebuttal number 1
Second point of interest in the document is where it states proof of delivery matches both billing and shipping address and see see attachments for invoice and POD (proof of delivery). You can dispute this because there is CCTV footage of no physical delivery taking place at the time the Uber driver logged the delivery taking place. Therefore rebuttal number two.
So reply back to the email with the heading title 'Formal Rebuttal' in the main content section of the email and under it give your reason for the rebuttal being that no physical delivery took place in that the delivery driver (Uber) did not get out of the vehicle and walk up to your place of residence and press the buzzer for your flat and that the police are in possession of CCTV footage showing that no delivery took place. The conclusion being that the delivery driver (Uber) drove to your place of residence for the purpose of GPS being tagged at your location, stayed in the vehicle, logged onto the computerised system, marked off the product as being delivered and then drove off with the customers package still in the vehicle. CCTV evidence provided by the property owner/landlord given to the police shows no delivery took place and that the CCTV evidence is available upon request to the police (police contact number/crime number).
In the rebuttal letter (email) you should also state that you have been in recent contact with the police and that the police have confirmed to you that Apple had been notified of CCTV evidence showing no delivery took place and that Apple acknowledged they received such info.
A useful addition to the email would be rebutting Apple's POD (proof of Delivery). Does the email you got from your bank have the attachments? because you need to see Apple's POD because if you do, in the letter you could state that Apple has provided a POD showing/stating the following (contents of the POD) and that you can rebuttal this with actual CCTV evidence of the time and day which shows no delivery took place.
This email will be extremely important if all parties still find against you because if they do find against you and you take the matter further, the bank/VISA would have some explaining to do to try and justify denying the chargeback on the back of what was written in the letter because in the email you will state that CCTV evidence of no delivery exists, the fact that the police are in possession this evidence and the fact that the police have contacted Apple through official channels and then the question to the bank/VISA would be 'The email dated 'xxxxxx' states clearly that CCTV evidence of no delivery took place. Did you both to investigate this and if not, why not? Small claims would easily find in your favour.