What is it that you do not understand that by taking £159.99 from our credit card on 23/06/2020 instead of £139.99 as you agreed by your email you have acted fraudulently and you are still refusing to process our refund of £20.00. Our order ID305049 23/06/2020 Your email 24/06/2020 offering £20.00 refund for supplying different iPhone from our order Our email 25/06/2020 accepting your offer The contractual position of offer and acceptance is clear and we have completed a case file with Resolver as requested so why have you not honoured our contract and issued the £20.00 refund to our credit card as agreed. We are unable to contact you by telephone as according to your answerphone you have disconnected it. Your customer service team have promised to contact me several times but not have not made contact. You have previously informed me by email 17/07/2020 that you have processed our refund but we have received nothing. We have tried repeatedly to communicate with you by email but nobody in your organisation is interested in honouring our contract. Therefore the only conclusion for us is that your organisation is utterly untrustworthy and we shall be reporting your behaviour to the Competition & Markets Authority and the Ombudsman.