NOCHEX.com acts as a front for fraudulent businesses wanting to rip off their customers.
They act ONLY as the money (fence) for merchants and provide NO GUARANTEE if you do not receive goods or services promised.
When you try to get a refund or your money back they will tell you they were only the middleman.
When a crime is committed, the law states anyone complicit in the commission of a crime is an accomplice... which they as the go between are.
They make you believe there is no recourse.
However, you can complain to the UK Office of Fair trading (http://www.oft.gov.uk/), UK Banking Commission and your card holder
YOUR RIGHTS AS A CONSUMER CAN BE FOUND HERE:
http://www.direct.gov.uk/en/Governmentcitizensandrights/Consumerrights/Situationsthatcanchangeyourconsumerrights/DG_195361
FYI
Under section 75 of the United Kingdom's Consumer Credit Act, credit card companies are required to refund payments made by customers who failed to receive goods or services if the purchase was made directly from the retailer. Purchases made through online payment services such as Nochex involve three partiesthe consumer pays the online payment service for credits or e-money, and the online payment service makes the purchase for the consumer from the retailer. The online payment service is thus legally only responsible for handling the transaction, and not for resolving disputes or providing refunds.[6][7][8] Some online payment services do in fact provide refunds in the case of disputes, but Nochex has been cited as a company that does not honor such requests.[6][7] Nochex, for its part, has asserted that it attempts to verify the credentials of its customers, and instructs consumers to attempt to settle any disputes by contacting the retailer directly[6] or by reporting the problem to law enforcement.[7] The Office of Fair Trading has stated that the current law is unclear and they intend to pursue changes that will provide consumers with additional protections.[7]For a short period in 2007 Nochex was cited for adding transaction fees to online purchases without notifying customers. Nochex claimed that these charges were the result of either MasterCard or the customer's bank treating these transactions as cash advances. MasterCard asserted that they were not responsible for this coding, and at least one bank in 2007 stated it was their policy to treat online purchase through some online payments services such as Nochex as cash advances.[9] In 2007 Nochex put a warning on their website notifying customers that some banks will add these fees.[9] However since 2007 there have been no reported incidents of cash advance fees being levied on consumers using the Nochex service. In July eBay announced that Nochex would no longer be allowed as a method of payment on their web site, but reversed their decision less than a week later[10] and reinstated Nochex as an acceptable form of payment.[5]In Nochex introduced a fee to seller and personal accounts which was levied against accounts that had been inactive for a period greater than twelve months. Inactive customers were not notified of this newly introduced fee. Where the account balance permitted, Nochex applied this charge at the rate of 2.00 per quarter. In Nochex revised this fee to 5.00 per quarter.[11][12] When an account has no funds, Nochex does not charge this fee, and inactive accounts can be reactivated again at any time with payment of a dormant account fee. Nochex scores highly in child safety, but receives middle level reviews on the Web of Trust site.[13] They receive a low rating from Review Centre
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