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Apologies if I didn't phrase it well. ACCC might have suggested some consumer rights may be reduced because of COVID but exactly as you mentioned, the rights under the card schemes remain intact. The biggest battle it seems is reiterating the conditional credit is almost useless and not in any...

I posted on the other thread here, check it out for my tips with how to proceed with Amex. The gist is, regardless of fare type and whether it's refundable, the merchant (VA) has had a major failure to supply something you've paid for and you deserve a remedy. Aust Consumer Law should apply but...

Don't give up. I'm just about to start my disputes with Amex and this thread (plus a few other places online) have been a great knowledge bank. You should lodge a complaint with Amex via Customer Relations Manager, GPO Box 1582, Sydney NSW 2001. Others online have described a positive response...