Important update for our customers
Good News: Most Customers Can Get a Full Refund
If you're owed money by Rathwood, there's something important you need to know — and it's genuinely good news.
If you paid by credit card, debit card or PayPal, you are very likely entitled to a complete refund directly from your bank. This is handled entirely by your bank, at no cost to you, and sits completely outside the examinership process — it is a direct claim against your card provider, not against Rathwood.
This is called a refund. It's a formal, protected consumer right that exists specifically for situations like this. The Competition and Consumer Protection Commission (CCPC) has independently advised affected customers to use it. We want to make sure every single Rathwood customer who is owed money knows about this route and uses it.
We've put together step-by-step guides for every major Irish bank and payment provider below. Most claims take less than five minutes to start.
Do Both — Right Now
There are two actions affected customers should take immediately, and they work together.
Start your refund today
Contact your bank or card provider using the guides below. Time limits apply — typically 120 days from your transaction date — so act now. The sooner you start, the faster you'll be paid.
Register your claim with the Examiner
Complete the Examiner's online Customer Claim Confirmation Form by Thursday 12th June 2026. This is separate from your refund and takes only a few minutes.
Complete the Examiner's form →Doing both protects your position fully. They are completely independent of each other — starting a refund does not affect your claim with the Examiner, and vice versa.
How to Claim Your Refund — Step by Step
Find your bank or payment provider below. Each guide takes less than five minutes to follow.
Good news — Revolut makes this one of the easiest. You can raise a dispute directly in the app in a couple of taps, no phone calls needed.
- Open the Revolut app and tap Transactions.
- Find and tap the payment you want to dispute.
- Tap Need help? at the bottom of the screen.
- Select Something went wrong with this payment.
- Choose your reason — for example, item not received or not as described.
- Fill in the details and submit. Revolut aims to resolve disputes within 15 business days.
Time limit: 120 days from the transaction date
BOI has a dedicated disputes team — a quick phone call is all it takes to get the process started, and they handle the rest.
- Call Bank of Ireland card support on 1890 706 706 (ROI) or +353 1 488 4042 from abroad.
- Tell them you want to raise a dispute on a card transaction.
- Have ready: the transaction date, amount, and merchant name.
- Explain the reason — for example, goods not received or an incorrect charge.
- The agent will log the dispute and may send you a form to sign.
- BOI will investigate and typically respond within 45 days.
Time limit: 120 days from the transaction date (some cases up to 540 days)
AIB lets you raise a dispute online or by phone — either way it's straightforward, and their card services team deal with these regularly.
- Log into AIB Internet Banking at aib.ie.
- Go to Accounts, find the transaction, and select Dispute this transaction if the option appears.
- Alternatively, call AIB Card Services on 0818 724 724.
- Explain the reason — item not received, incorrect charge, etc.
- You may be asked for supporting documents such as order confirmations or emails.
- AIB will notify you of the outcome within 45 days.
Time limit: 120 days from the transaction date
Like Revolut, N26 has built disputing a transaction directly into the app — it only takes a minute and you'll get a clear timeline of what happens next.
- Open the N26 app and go to your transaction history.
- Tap the transaction you want to dispute.
- Tap Raise a dispute.
- Choose the reason that applies to your situation.
- Submit — N26 will review and contact you within 15 business days.
- If you can't find the option in-app, contact N26 via the in-app chat.
Time limit: 120 days from the transaction date
Monzo has one of the most customer-friendly dispute processes out there — fully in-app and known for fast resolutions.
- Open the Monzo app and tap the transaction.
- Scroll down and tap Something wrong? Get help.
- Select Paid for something I didn't receive or the relevant reason.
- Follow the prompts — Monzo may ask for supporting information such as order confirmations.
- Submit and Monzo will raise a dispute with Mastercard on your behalf.
Time limit: 120 days from the transaction date
PayPal's buyer protection is one of the strongest available. Their Resolution Centre walks you through every step online — no phone calls, no hassle.
- Log into your PayPal account at paypal.com.
- Go to Help > Resolution Centre.
- Click Report a Problem and find the transaction.
- Select your issue: Item Not Received or Significantly Not as Described.
- PayPal opens a dispute — the seller has 20 days to respond.
- If unresolved, escalate to a Claim and PayPal will decide the outcome.
Time limit: 180 days from the date of payment
Don't see your bank above? Every bank that issues a Visa or Mastercard is required to have a dispute process — it's part of the card network rules. A quick call is all you need.
- Call the number on the back of your card and ask for the disputes or card services team.
- Tell them you want to raise a dispute on a transaction.
- Have ready: the transaction date, amount, and merchant name.
- Explain the reason — goods not received, not as described, duplicate charge, etc.
- Your bank will investigate under Visa or Mastercard rules and keep you updated.
Time limit: Usually 120 days from the transaction date — act promptly
A Note on the Examiner's Letter
You may have received a letter from the Court-appointed Examiner, Padraic Bermingham of Strata Financial, this week. His letter referenced guidance from the Competition and Consumer Protection Commission on the refund process and directed card-paying customers toward it — and we fully support that advice.
The refund route is a separate and independent process from the examinership entirely. It is a direct claim against your bank or card provider, and the Examiner himself has directed card-paying customers toward it. The CCPC, the Examiner, and Rathwood are all saying the same thing: if you paid by card, start your refund immediately.
If you have not yet done so, please also complete the Examiner's Customer Claim Confirmation Form by Thursday 12th June 2026. Both steps together give you the strongest possible position.
Frequently Asked Questions
No. The two processes are entirely independent. You should do both.
Yes, completely. The refund process costs nothing. Your bank handles everything on your behalf.
Padraic Bermingham of Strata Financial was appointed by the High Court on 8th May 2026 to oversee the examinership of Rathwood. He has no managerial role at Rathwood. Any queries about your order should be directed to us at support@rathwood.com or by calling 059 915 6285.
