Refund -Invoice (#71504-R)

Dear LayerStack Billing Team,

I am writing to formally notify you that your company’s refusal to process a full refund for the unauthorized charge of *HK$5,160* (Transaction ID: txn_3RPBh6AHWJsQfZhE07JzOg2) violates Hong Kong consumer protection laws.

Key Legal Points

1. Hong Kong Entity Liability

- Your Invoice (#71504-R) lists LayerStack’s registered address as:

1610B, 16/F, Tower 3, China Hong Kong City,

33 Canton Road, Tsim Sha Tsui, Hong Kong

- This confirms LayerStack Limited operates as a *Hong Kong-registered company* and is bound by:

- *Trade Descriptions Ordinance (Cap. 362)*

- *Unconscionable Contracts Ordinance (Cap. 458)*

- *Payment Systems and Stored Value Facilities Ordinance (Cap. 584)*

2. *Violations Identified*

- *Section 13E (Misleading Omissions):*

- You charged me *6 days before the service period began* (May 16, 2025 for services starting May 22, 2025) without clear prior consent.

- *Section 13F (Aggressive Practices):*

- Offering only "internal credit" instead of a refund to the original payment method is *unlawful under Visa/Mastercard rules and Hong Kong law*.

3. *Consumer Protection Actions*

- The Hong Kong Customs & Excise Department actively prosecutes cases like this (e.g., [2023 case against a subscription service](https://www.customs.gov.hk/en/publication_press/press/index_id_3464.html)).

### *Final Demand*

- *Within 48 hours*, you must:

1. Refund *HK$5,160* to my original credit card.

2. Email me a confirmation of the refund and service cancellation.

*Failure to comply will result in:*

- A formal complaint to *Hong Kong Customs* (enforcement@customs.gov.hk) with all evidence.

- Escalation to *Visa/Mastercard* for merchant account review.

*Attached:*

- Invoice #71504-R (highlighting your HK address and service dates).