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Same experience here. Because of the Christmas period and having too much on my plate, I didn't lodge a claim within 45 days. However if anyone else lodges a claim within the next 6 months, they reinvestigate my claim too. Doesn't matter much. Because my PayPal account is linked with my visa, the bank is sorting it out.
I'll reiterate what has already been said. Not worth dealing with.
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