On 19.01. 2020, I have made a reservation at UK (Scotland) hotel. Booking made at that hotel could be cancelled any time (at least 1 day prior to check-in) with full refund.
On 25.03. 2020 I have sent an email asking for cancellation of my booking.
On 1.04.2020 I have received an answer stating that my booking has been cancelled, but because of COVID-19 situation, they have to „delay or defer“ refunds until they could better understand financial implications.
On 29.04. 2020 I have asked them for update regarding my refund.
Till this day, I have not received an answer from them and thus I would like to request a chargeback at my bank. I understand that current situation is hard for many hotels, but I gave them 2 months already and I feel like Im being held responsible for government decisions to close hotels.
Question 1: Does this kind of issue even qualify for chargeback?
Question 2: My bank says that „Usually, a chargeback must be raised within 120 calendar days from the date of the transaction you're disputing, or from the agreed delivery date of your goods that never arrived.“ - I have made the booking more than 130 ago, but the cancellation was made only 60 days ago – which date is relevant? Can I still fit inside that „120 days“ limit?
EDIT: Answers to questions in comments:
I was supposed to be at hotel from 22.05. 2020 to 26.05. 2020. They charged me the day I made the booking - 19.01.2020
I am based in Czech Republic. I have used Debit card issued by Revolut (UK based company). I have paid from my Pounds account.