Kobalt Computers Officially out of business

Hmm.... My payment was with the "loyal" PayPoint.... I am assuming that "loyal" means they didn't hold back any money.... Haven't heard from my bank yet but I did it all by letter because the call centre was so useless.......

I think I'll pay them a visit this week. Sidhartha, when you say the bulk of your payment was by Debit card who took your card details if I may ask?

 

Lucia,

It was all done online via their website. Both payments actually. The debit card one and the PayPal one.

 

Thanks....

I asked because when I bought mine and clicked pay on their site it took me straight to PayPoint - there were no other options except I think bank transfer and I wasn't doing that because it is expensive to use and you have zero protection.

 

Hi Guys, just wanted to keep you updated on my situation also...

As I mentioned previously, I paid £1350 to Kobalt Computers by bank transfer (not realizing that there would be no protection as I was ignorant to all payment methods) and £430 via PayPal.

Like Sidhartha, I got an email from PayPal today saying "We have concluded our investigation into your case and have decided in your
favor. We were able to recover 430.00 GBP and this amount has been credited to you..."

This is indeed great news! I have never heard anything but good things about PayPal and I see now it is justified. I hope this gives some comfort to others who paid through PayPal and are still waiting on their dispute judgement.

I wish I had paid the whole lot through PayPal but I didn't have a debit card at the time of initial payment. Now it's time to focus on getting the rest of my hard earned money back!...

Cheers...

 

Hi everyone.

A quick update from the Kobalt website:

As of yet, Company House in the UK (0303 1234 500) have stated that no Administrator / Liquidator has been appointed.

I paid for my system via Visa Debit through HSBC, and they have informed me that once a liquidator is appointed, i must send them a letter stating the following, as well as proof of purchase (i will send the email confirmation from the Magneto system as well as a copy of my bank statement for the day of purchase):

• Amount and date paid
• Product purchased not received
• That i should request reimbursement for the amount from my Visa-Debit provider HSBC

All of the above is critical and must be quoted i the letter from the Liquidator. Once i have received this, a copy is to be sent to the Visa-Debit Chargeback department at HSBC. I have been told that if i fulfil the criterias aove, i should receive a refund fro my bank itself.

There is still a chance that Kobalt will succeed in securing new investors and continue trading, at which point existing orders should hopefully be filled.

Hopefully this helps anyone who has made a payment u sing the same payment method.

-Zal

Edit: Just contacted Company House again, who confirmed that Kobalts' status is still 'Active', and that neither an insolvency admin nor a liquidator has been appointed. Hopefully this is a sign that they are still hopeful of securing investors to allow them to continue trading.

 

Dear all,

Just a quick thank you note to all the nbr members in this thread, and especially to Lucia - I was also caught in this Kobalt mess, with a pending P170HM3 order. Fortunately paid by credit card, let's see about the charge-back...

It is unbelievable that these guys have yet to utter an apology to their clients...

Thanks to all of you, Jay

 

As another update, I got a letter from bank this morning regarding my visa debit chargeback.

It simply says that they have credited my account pending a full investigation, and that investigaation could take up to 3 MONTHS!!! Arrgh.

Hopefully it will find a way to resolve itself long before then.

 

@Sidhartha

Is giving you the benefit of the doubt
It may take up to 3 months to investigate,but you have your money back and can move on now

 

@Alex,

I wish it were that simple. I'm not sure I can 'move on' as you put it until this is definitively resolved. Why would I when they can simply take the money away again?!

I doubt I'll have much to say here in the meantime though until I hear new information from my bank.

So far the lesson of this story is either pay by credit card, or if paying by debit card and you have an option to use PayPal, ALWAYS use PayPal.

 

Well, I hope that the investigation does not take 3 months
If it was me however I would have no problem taking the money and spending it on a new laptop

Agree with your statement about paypal
Over the last years buying on ebay I have been reimbursed a couple of times when the seller has not shipped out
Without the buyer protection paypal offers I would have been out of pocket $450

 

Hi Zalgradis

HSBC has informed me the same and asked for Liquidators letter. Do you know how do we get one ?

Nilesh

 

Strange that my bank didn't ask for a liquidators letter. I mean at this stage it's not known if Kobalt will in fact go into liquidation.

You should be able to initiate a chargeback without a liquidators letter.

 

Have tried it by calling them few times in last few days. But they are quite adamant that they need the liquidators letters or else Visa will reject the chargeback. After pointing them out that others in the same boat were not asked for liquidators letter their response was this is how we work etc.

 

Sorry, but that makes no sense. It's perfectly possible to pursue a visa debit chargeback in circumstances where a company is not in any trouble at all. Maybe they have just not delivered items for a persistent period of time and you have run out of patience, or perhaps you didn't find the goods delivered acceptable and returned them but have yet to be issued with a refund. So I don't see the connection between a visa debit chargeback and a liquidators letter.

 

I never got my laptop to begin with so having a warranty isn't an issue for me but I noticed it says this at the bottom of the Kobalt Computers website...

"As part of the negotiations for the continuation of the Kobalt brand, the various parties involved are exploring the possibility of limited warranty support."

I'm just curious about what this means. Are they saying that even though you have paid for a full warranty and the Kobalt brand is continued that they will not honor the full warranty you paid for but only provide you with a basic warranty? Surely they can't do that if they are the same company and get back in business.

I'm probably reading it wrong though...

 

Congrats on getting your chargeback... err... back, Sidhartha

It does seem that the banks all work to slightly different methods with chargeback. Mine (Barclays, for what it's worth... who are you with Sidhartha?) haven't paid me a penny yet, and said they had to give 30 days for the merchant to respond before they were able to do anything.

 

Well, I've got it back 'pending the investigation'. In my mind that doesn't mean much since they could just as easily take it away again.

I'm with Citibank.

 

they said 45 days to me. From their last letter it is already 49 days. No response, no money. Its time to contact them again

 

Mornin' all.......

Go for it Veegeeta and point out they are exceeding reasonable time and you need to work...........

@battleon

If Kobalt go under, they go under, and you have no warranty. But there are a couple of possible and partial solutions go see the links in the first post. If another company or maybe their shareholders rolleyes: ) take over Kobalt - it will be technically a different company and probably has limited responsibility. If they don't exist any more how can they offer warranty support? We will just have to see.

I already have "issues" with my laptop but there's naf I can do right now except prevail upon the amazing support that some of the guys in the threads in the main Clevo forum give me....

Regarding these bank letters about liquidators and chargebacks........ I have to say my reading of it leads me to agree with Sid. You should get a letter to the registered company address in the first post anyway but I think the banks are trying it on and as Kobalt is not liquidated yet they are throwing you into nomans land......... that is not what Chargeback is supposed to do. See the pdf in first post.

What has been emphasised by all experts is do not be fobbed off. There are protocols and the banks should not be varying those.

@jay4nbr

Hi Jay and welcome (and thanks) and sorry we meet under these circumstances. If you paid by Credit card as opposed to Debit card you are fully protected under Section 75 and should be fine. I assume you have seen the links in my first post?

Nilesh.......... as others have pointed out Kobalt has not been liquidated yet so I think your bank is taking the Michael..... Having said that I still haven't heard a peep from mine Keep on the case and just because they say blah blah use the information researched to back your claim. Please everyone point out to your banks that Kobalt is not liquidated.

Keep up the fight folks

 

Second thought for folk having problems with their banks.....

If you paid via PayPal it might be worth pointing out to your bank that PayPal are holding money or........ dealing with PayPal direct....

Good luck

 

Just wanted to let everybody know I got all of my money back from my Visa Debit Card Chargeback. It only took just less than two weeks, so it can be done people. Soo relieved

 

Dear Lucia & all.

Yes, I've been reading this thread from the start - since I first tried to find out what happened to my order... Excellent resource, your post in page 1, so anyone joining in should definitely check it.

I'm doing my chargeback from Spain, and the process was straightforward so far: I called my bank to open the case (claimed "goods not delivered on ETA + lack of communication with vendor"), and they took 2 weeks to answer back. They requested me to complete and sign a chargeback form, plus a letter explaining how I tried to contact Kobalt to solve the situation, answers (if any), as well as support documentation (e.g. payment receipt).

My advice, if your bank is acting up, is to keep calling, escalating from front office contact centre to the cards dept, or even quality dept. / ombudsman... They have to comply with Section 75, whatever happened to Kobalt, and it is their job to solve it, not ours to play detective. That's why we pay those (outrageous) credit card fees...

I'll let you know how my case goes - do share your stories... Thanks, Jay

 

@Krupz2513

Yay!! I am so pleased for you well done. May I ask which bank please? If you don't want to say here you could pm me if you like. I am trying to keep tabs on who is playing fair and who isn't.

Still haven't heard a peep from mine grrrr......

 

what bank u r with? Does anyone get money back from Barclays? Payment via direct debit?

 

Krupz, congrats!!!

Can I ask how you know for sure that the chargeback was successful...? Just wondering how you tell the difference between that and them depositing the money in your account while they investigate which seems to be the case for me.

 

Update regarding my RMA and section 75 claim

I have received today two communications:

An email from Kobalt regarding my RMA confirming that my laptop will be delivered by TNT on Monday 31st October. *edit to amend the date to the correct one!*

A letter from Capital One acknowledging that they have received my disputes form which they have "passed on to their disputes team to review" and that they will be back in touch in the next 35 days.

So far Kobalt have reacted faster than Capital one.

In case some wondered how banks/merchant services providers can bring businesses to an untimely end by messing with their cash flow here is an example.
Some of them ask businesses to come up with a cash "guarantee" (a lump sum which sits in the bank's account which the business cannot touch) at short notice in exchange for continuing to provide merchant services (this is any payment by credit/debit card).
If the business is not able to come up with the cash they delay payment of funds received on behalf of the business for up to 3 months which makes trading virtually impossible as few small businesses have large cash reserves.
What it does very effectively is either boost the bank's cash holdings or gives the bank a nice pile of cash to play with for 3 months which in turn allows them to lend money unwisely at inflated ratios and speculate...
Oh no sorry that's how they got in trouble in the first place so they don't do that any more do they?

 

@Veegeeta

what do you mean by "direct debit"? Do you mean a loan or finance? These cases are about purchases with cards Debit or Credit (the rules are different for each). If you tell us a little more it might help ?

@shunli
that is excellent news about your RMA... had you had any contact with Kobalt about it since the ceased trading notice? How long had they had it? Did it come back repaired or as you sent it? Maybe they are working through them bit by bit.............

Capital One are playing safe but if you paid via PayPal you could give them a "push"..............

That kind of works both ways......... It is supposed to offer some consumer protection (they are not banks they are 'processors') from chargebacks. So far the people in this thread with the most luck are those who paid via PayPal..... I understand it is tough for businesses too but cashflow is part of the deal and meanwhile consumers must have some protection. There's complaints on both sides. It's all mierda really....

 

@jay4nbr

aah you have a Credit Card so have the protection of Section 75 - you are covered better than anyone. It is, in the end, the best way to buy goods particularly on the internet but so many people cannot have one it is quite dodgy. Most of us here are Visa Debit which should still protect but it is such a fight with many banks and there is not the same legal come back.

 

I'm with Santander, they have deposited the money and haven't mentioned anything about not being able to touch the money. They sent me some papers to fill in and send back, in which I stated the reason for the chargeback and gave any useful evidence. Few days later the money was in my account. Just to be clear I'm presuming they won't take it back as they never told me anything of the sort.

 

I have had no contact with Kobalt apart from sending the "list-me-as-an-unsecured-creditor" letter to their registered address.
It has been with Kobalt since the 14th of September but I had asked them to hang on to it until I had worked out the specs of my new laptop since I wanted them to implant my old HDD into the new laptop and recycle the rest.

The laptop will therefore be returned as I sent it. If it were to come back as the G150 I ordered I would have a case of Champagne delivered to Kobalt.

But yes I imagine that they are working through them.

 

Nice to hear. Hope that they are still focusing on those with outstanding RMA's and that yours was not just an isolated case.

Edit: Just wondering does anyone know if it is possible to do something similar to a section 75 if the product was purchased with a debit card rather than a credit card?

Have been Googling and came across 'Visa Chargeback' but not sure if that would deliver similar results.

 

@Tanith,

You really should read some of the thread!!! I'd say 80% of it is about chargebacks. Start on page one where there are many useful links.

 

Just to keep everyone informed, especially those who have performed chargebacks, I have just had another conversation with my bank.

Now, because I've learned to be sceptical about all information regarding this situation over the past couple of months, I treat the following information with caution... but I asked my bank very directly what were the circumstances under which the chargeback that was credited my account could be removed... they told me there was ONLY ONE circusmstance that it could be removed and that was if the vendor (Kobalt) proved that I had received the goods & services that I am claiming I never received. I asked directly about insolvency & bankruptcy and they assured me it would make no difference to my account or the chargeback.

Like I say, call me a cynic or sceptic, but I treat that joyous information with a little caution.

 

Sid............ (on both counts........)

 

VeeGeta - who asked about Barclays... I'm with Barclays, and while they originally tried to warn that I may be outside the 120 day window you're allowed for a chargeback claim, they are 'dealing' with the chargeback claim at the moment. As yet I've not had anything back.

For the record, the 120 days is meant to be from the date of DELIVERY, not order. And given the last delivery date I had was well within the 120 days when I made my claim, it certainly shouldn't be any issue.

I'm hoping (assuming?...) that once they complete their investigating, I'll get my money back, but as yet... nothing.

 

Hi guys, I phoned up Companies House today asking information about the status of Kobalt Computers Ltd and I was told that they are still listed as an active company. I specifically asked them if they were listed as 'ceased trading' and they said no...

So are we being lied to again just to buy time or what?

 

I got this yesterday -

"As per your letter dated 18th October I can confirm that your laptop has been booked to ship tomorrow for delivery on Monday 31st October. This will ship with TNT and the consignment no is (removed).

This has been sent to (name and address removed).

Rgds"

Not sure if it's been repaired, is as I sent it or in parts, but at least I'm getting it back!

 

Sorry to post here but I had to at least drop a comment on the Kobalt mess.

Considering their past actions of constantly lying to customers, hiding after customers place an order and not being responsible overall then one can draw any number of conclusions where the end result is the same: You got screwed.

Most companies would have posted a heartfelt apology for all inconveniences caused but this is not the case with Kobalt who they still insist on blaming others.

I really feel for you guys, I hope you get your money/machines back.

Good luck.

 

Really hope to hear more examples of that happening throughout next week (hopefully with myself included).

If they get outstanding RMA's out of the way they could then focus on those who are out of pocket. Personally have been fearful as there are a lot of avenues to explore to get money back, not so many to get property back.

 

As to my original post, this is to clarify I have actually got my chargeback. I received a letter in the post from my bank telling me so and also an apology from them for any inconvenience which was nice lol. Good luck to everyone with recovering your money or machines.

 

Just to answer the few dozen emails that I have received in the past week or so...

No I cant help you get your money
No I dont know anything about your RMA, As far as I know all the ones that can be returned have now done so, if you dont have it or confirmation its on its way contact the registered office.

No I dont care, more important things to worry about

And yes I sleep very well at night thank you for asking.

Just let me make this Very Clear to anyone that contacts me from this point on regarding any business to do with Kobalt I give fair warning that I have no problem with taking legal action against you and suing you for harassment should continued contact attempts be made. It will be absolutely no problem to get contact and address details for each of our customers if need be and I have no problem with taking people to court for this should it come to it.

I and the UK legal system take threats to someones health very seriously and I have no issues following up on this at all.

Consider this fair warning.

I have re-directed this login's pm and email forward to a dead address so I wont be getting them any longer.

In other words, Dont waste your time.

Pman

 

I only registered to respond to this message above.

I'm sorry to hear that you've received personal threats. That's simply unacceptable in any circumstances.

But who is to blame for that? Is it the users who have been done out of thousands of pounds with nothing to show for it?

Or is it Neil and co., who lied time after time to everyone?
... who deleted the messages on Kobalt's forum time after time with no explanation or notice?
... who attacked and insulted the customers when they complained or made helpful suggestions?
... who still hasn't come forward and said "sorry" for any of it?

In the end these words sum up the whole Kobalt ethos.:
"No I dont care, more important things to worry about and yes I sleep very well at night thank you for asking. "

This whole business about PayPal is just a smokescreen. How happy do you think Paypal would have been about people paying through their system for machines that were delivered, in some cases, 9 months late?

And as for Kobayashi: he was just another Kobalt hanger-on, who trolled their forums, insulting and degrading any user that dared to ask a question of the Kobalt management.
You tried to discuss with and explain to him but your posts just vanished into thin air.

I feel terribly sorry for your customers who are left out-of-pocket. I count myself very lucky not to have been one of them.

 

Just to add to the above,

Sorry if the above came across overly harsh, however as any reasonable person would understand after a friend of mine received threats unless he handed over my personal details I was white with anger.

I was an employee of Kobalt Computers and among all of the issues that people are experiencing I have lost my job. I do not imagine that is something most of you have thought about but to me its the highest priority.

FYI : I went into the office off my own back 2 days after the company closed and posted most of the RMA's that I could find to ensure that people who I could get machines to got them. I have no control over the company finances and from my knowledge it is something that has been taken out of all of our control but I have tried to help with RMA's where I can. Some chassis were off with the service centers etc and I was not able to do anything with them, there is nothing I can do about them. Everyone who has a machine that I was able to either return myself or know to be en route have an email if not their machine already.

No one is more frustrated then me by these results however having gone through the situation in detail since the closure of the company there is nothing more that we could have done.

It is a shame that most people who post on NBR either A) are from the USA where the financial rules are different or B) Think that banks and SP's (service providers) are there to provide a service at no cost, end of the day they are there to make money, not do business' a favor.

I chose to post again rather then edit my above post as the part regarding legal action stands, I do not work for them any more, I have no control over anything in there any longer and aside from the information on the website about registering as an unsecured creditor I have nothing else I can offer.

I was a member of NBR (in excellent standing I might add) long before I worked for Kobalt and somehow this seems to have been forgotten...shame really.

I really don't have anything else I can add of any value so will leave it there.

Regards

Pman - Ex Kobalt Employee.

 

Pman, if you actually went back to the office and returned those RMAs you did the right thing - it shows you have a conscience. It was the least it could be done in these circumstances, and you acted upon it (for the record, I had an outstanding order, not an RMA).

I hope the owners of Kobalt also do the right thing: it is their responsibility to return the RMAs, and return the money to their clients who trusted them. As a point of comparison, I had a previous order with Mountain (in Madrid) - who returned my money after they acknowledged that the model I requested was delayed for circumstances out of their control (earthquake in Japan). I only have praise for the Mountain crew.

Good luck to all in recovering your money (my chargeback is still outstanding too) and property, Jay

PS: I'll be graceful and wish Pman good luck too. May you find a better gig than Kobalt...

 

@pman

Neither banks SPs or Computer resellers are there to do anything except make money. That a few resellers in the USA and Australia seem to manage that with passion for what they do and excellent customer service and respect is to their credit.

I am pleased to see your second post at least and I realise you were a worker and your job has gone. But I agree with Crash-X19s post whole heartedly. Pman may have lost a job but some of the people on this thread have lost work too as a consequence of Kobalt's behaviour. I have a damaged and unwarranted machine and it is the tool of my work and I am a freelancer - if it dies on me I'm done for. I am also owed money by Kobalt

Most people who have posted on this thread are from the UK and a few are young and do not realise that PayPal and the rest of them are based in offshore locations preciseiy to circumvent any national legislation. While some people seem to be getting Chargebacks from PayPal I started this thread because I am completely aware that Third Party Payment Providers will wriggle off hooks whichever side of the business deal you are on.

I have since had to put up with Kobayashi the Kobalt fool in disguise trying to pressure me into removing those original questions but why should I? They are valid and have led to a very useful thread which I am happy to maintain in the name of support and justice.

So you may have been white with rage and I have indeed warned people in this thread not to step out of line, but many of them have lost all their savings and in the interim have been lied to, strung out, and treated very badly. They too are very upset. And what we all notice is that your bosses NOT ONE SINGLE PERSON WHO WORKS FOR KOBALT.... has said sorry. Just more excuses.

As Crash-X19A says the behaviour of Kobalt was despicable over a long period of time and quite frankly they should probably wound down a long time ago because they had lost any sense of customer service or respect more than a year ago.

This is useful information for some at least.....now I would prefer it if this thread reverts to being the support and information network it was intended to be.....

 

Somehow I think 95% of the legal action taken will be aimed in Kobalt's direction.

 

Do you known why SP's and banks exist? It's because people expect a GOOD SERVICE. with this kind of attitude you will never find a job anywhere. you did good trying to RMA but insulting costumers is just unacceptable. yes people don't expect a favour, they expect a good service and to get what they paid for. Banks and SP's can't live without costumers. Just like kobalt. the service was so good that it went bankrupt, I wonder if this is anything to do with your lack of respect for NBR members.
Yes financial rules can be different but ANYWHERE in the world if you pay for something you are expected to get it and to get a good service. Not be stolen like some were. Do you known how many people would buy something from the same company owners as kobalt? I bet it's lower then 1.
Are you mad because your friend was threaten? What were you expecting? to get a prize? to get an honourable mention for good business practice? People gave him money and have nothing in return like they were promised. How do you call that? He's a thief. Of course he will be threaten. And in the end I would not be surprised if A) something bad happens to him B) he end's up in jail. I do not wish arm to anyone but I'll have no piety.
It seams you are trying to do some good now. Here's my free advice, stay away from those kind of people. Find a job elsewhere in a company that really cares about the costumers. You have really good examples on the forum of great costumer support. And do you known why those companies are growing? it's because their costumers are happy and will certainly buy from them again and will even recommend to their friends. That's what you get when you have a good SERVICE. And yes if they can they will do costumers a favour if he asks for it. Just like some resellers even have discounts for NBR members. They all do us a favour. And they get even more in return.

 

I have to say "---" is largely right.

Somewhere along the line Kobalt lost their way, they deviated from the path that had made them successful, that made people talk about them for the right reasons. There is no way they could have been in existence from 2004 and treated customers the way the did towards the end - they would have been out of business years ago.

I've dealt with a lot of companies over the years, like everyone posting here, and I have truly never had an experience EVEN CLOSE to the one I had with Kobalt. Their paucity of customer service and total disregard for their customers was truly stunning. I just almost couldn't believe it because it was so utterly illogical.

It seems to me far too many Kobalt employees were sleeping very well at night when their customer service should have been giving staff the same nightmares it was giving their customers!

 

Hmm... seems things have got a little fraught over the last few days.

As I understand it (Correct me if I'm wrong?) PMan was the newest member of Kobalt?
There is every chance that - just like us - he may have been in the dark about the full details of financial situation and just doing what the business required of him to do to keep it running on a day to day basis.
Hell, I know that's basically what my job entails. Without naming any names, I wouldn't be at ALL surprised if the parent company of where I work goes under within the next year, and no doubt if that happened, suddenly every bit of bad financial news would come out of the woodwork and everyone would be saying "my god, how didn't they know it was that bad? Surely everyone must've known!"
Well, from the point of view of this office, it looks like everyone's cutting back and tightening belts... and who isn't in this climate? It's not a concrete indication of anything.

My point is, directing ire at PMan isn't going to help ANYONE. If he were a director of the company who literally MUST have known what was going on, then fair enough, but he's not.

The fact that Pman is still here and providing us with information is commendable in itself, and the fact that he went back into work of his own volition to help out customers when he absolutely didn't have to, gets respect from me, and it should do from everyone else as well.

I guess what I'm trying to say is, try not to attack someone who's been screwed over by this just as much as we have. (arguably more so)

And... for update on the chargeback situation... I have no update as yet still waiting on Barclays...
Maybe I'll be able to get myself something for Christmas ;P

 

People are welcome to get frustrated if they have lost out. However that is business, they go down every now and again and yes sometimes it is out of the control of the people in charge.

Quite rightly I get very angry when people make threats over a business, tbh that is a risk you take when you order from ANY company and NO companies offer you guaranteed refunds in case of failures. Simply doesn't happen, anyone that thinks you have such promises is a fool and needs a lesson in life im afraid.

I have done my part, more then I should have done in most likely terms as at that point it was not my job to do it.

NBR always accounted for a small % of the business that Kobalt and it was a courtesy that we participated in this forum.

Dont quote me on good service or what people experienced from Kobalt as all you see is people whining on this forum, I met and spoke to people on a daily basis who were thankful for the service that we provided.

Some people will lose out money there is no doubt about that, Am I going to apologise for that ? No I have nothing to apologise for. Anyone that thinks I need to justify myself to Kobalts customers be they missing warranty, money or RMA's is misleading themselves.

Although I apologised for the tone of my previous message the core of it is still the same, I am not working for Kobalt and so if they have frustrations then they will just have to put them into writing then as/if a legal admin is appointed they might get read.

People who do not have an RMA or an email saying its being returned then you will have to write to the administrator if there is ever one appointed and go the long way round to get your machine as all the ones I was able to organise being sent back have been done.

People who are owed money, there will be no refunds acted on the part of Kobalt as the company has ceased trading and there is no one doing anything on behalf of Kobalt now.

Guys who have had charge backs do be aware that it is an optional code of conduct and they can deduct the funds from your accounts up to 180 days according the code of conduct should they not be able to recover the monies from the administrator if they chose to. Being an optional code they can if they wish wait until they get liquidation letters before considering a claim, as I said they are optional codes and banks can obide or disregard as they wish.

This does not offer the same protection as a section 75, those people will get their money back as it is covered by law, charge backs are not.

As for the above you can believe me or not believe me, personally I really dont care. Be upset if you wish but take it too far and I will seek that you are criminally and financially punished, if you have already lost out money with Kobalt dont be careless and risk a criminal record or further loss of funds.

Pman