Hi Guys I run a respectable web design agency with a lot of local and national established and respectable clients. I have had a worldpay account for several years and in that time I ran it perfectly not missing a single payment owed to them and not having a single chargeback. I had a client pay a little over £2k for a job, it was £2089 to be exact and Worldpay decided it was classed as a high risk payment and to hold it for 180 days. To which I responded well that isn't ideal as cash flow is important to me so can you refund it to my client and I will request an alternative payment method. They responded to say that isn't possible and I need to ask them to perform a chargeback! I explained that I don't want them to do that as it would tarnish my record as having a client perform a chargeback on me and also what grounds would they have to request a charge back? It would also incur a fee and I can't expect my client to pay that. Worldpay assured me that provided the client was happy after the 180 day period the payment would be released and they have no reason to keep it past the 180 day point. The reason is because a client has 180 days to request a charge back and after this time they can not so the merchant is happy to then release payment as they are taking no risk. So in good faith and placing my trust in worldpay I decided to wait the 180 days and have the project done in the absence of my funds being released to me by Worldpay. At the end of the day they have said it would be released to me and a big company like Worldpay backed by the RBS surely wouldn't lie about it. It would also save an awkward conversation with my client and I am confident in our ability to provide a service the client is happy with. After waiting patiently 180 days I was told the account and payment needed to be further reviewed, to which a request for further details from me was made. I provided evidence of work, and also all my clients sign sales agreements so I provided this as well that showed all the legal framework and terms of sale as well as amount and date. After waiting several more months! I have now been told that a decision has carefully been made to refuse release of my funds and that they will be held indefinitely. I am also free to make an official complaint but if I do they must stop liaising with me. The transaction took place in July 2017, it is now August 2018 and I have no money. I have the option of going to court or making a form complaint and going down the Financial Ombudsman or thirdly repeatedly asking and begging for my own funds. What do I do? Or do I just accept that Worldpay have legally taken my funds.