[mothered]

or they flat out dont allow the refund to take place.

Quite the contrary. They'll In fact Issue a refund more often than not, due to not having the time to process claims as per company protocol.

The Christmas period, Is the best time of year to SE "any company". Name the Item and we'll work from there.

Any other sites ?

If you've researched their terms and conditions, formulated your method based on your findings and executed It effectively, any company can be SEd.