How to Improve Your Chances of Success: Tips from Former Clients and Experts

[ArtemMit]

We've been providing consultations and handling chargeback cases for clients who've suffered from scammers for quite some time. Over the years, we've gained a lot of real-world experience — both positive and negative. Based on practice and feedback from people who successfully got their money back, here are four key principles that significantly increase the chances of a positive outcome.

Time Is a Critical Factor

One of the main reasons for failed chargebacks is delay. Each payment system has its own deadlines: for Visa and Mastercard — 120 days from the date of the transaction or from the day you realized you were scammed. The MIR system may allow up to 180 days, but the exact timeframe should be confirmed with your specific bank.

Many people waste weeks or even months trying to negotiate with scammers or remain in shock about the situation. The result — missed deadlines and rejection by the bank. That's why you need to act immediately: as soon as you realize you've been deceived, document everything, collect evidence, and file your claim. Time is always shorter than it seems.

Solid Evidence Is Key

The bank won't "guess" your situation. It deals with facts. The more evidence you can provide of the fraud, the better:

• Screenshots of chats, emails, website interface
• Bank statements
• Promotional promises (especially for fake investments, courses, services)
• Screenshots of reviews from other victims
• Recordings (e.g. calls with "analysts")

It's a good idea to attach a written explanation that clearly outlines what happened, including dates and the scammer's actions.

Clear and Professional Statement

It's very important to write your chargeback request in the right tone. Avoid emotional outbursts like "Give me back my money!" or "I was scammed!" — such statements might be sincere, but they won't be taken seriously by bank employees. Instead, write a short, businesslike statement focused on the facts:

• Brief summary of the situation
• Explicit request to initiate a chargeback
• Reference to specific violations (e.g. service not provided, refusal to refund, deception)
• Attachment of supporting evidence

Then, strengthen your case by justifying your position. For example, state that the seller/platform violated the terms of the offer, provided false information, breached the contract, or stopped communication. If there are relevant payment system rules or legal provisions — cite them. This shows you're serious and well-prepared, not just emotionally reacting.

It's also helpful to state that you reserve the right to file a complaint with the Central Bank, global payment systems, or even take legal action. This isn't a threat — it's a formal declaration of your consumer rights. Banks are driven by procedures, and the more structured and legally grounded your appeal, the better your chances it won't be rejected at the first stage.

Work with the Bank, Not Against It

Yes, many banks issue rejections at first. But not because they "don't want to help," but usually due to:

• Improperly filed application
• Lack of sufficient evidence
• Missed deadlines

If rejected, ask for a written explanation. This gives you the opportunity to reapply, appeal, or escalate — for example, to the bank's head office or the international payment network.

Many successful clients had to go through 2–3 rounds of communication before the bank approved the dispute and began the chargeback process.

Conclusion: How to Improve Your Chances of a Successful Chargeback

Chargeback is not a magic button — it's a legal procedure where you must act clearly, follow the rules, and stay calm. Those who succeeded didn't just "write to the bank" — they compiled a solid case, submitted documents properly, and did it within the deadline.

If you truly want to get your money back — act immediately, don't hesitate to seek advice, and treat the process professionally. That's when your chances will be much higher.

If you've been scammed, contact us at [email protected]