This is Paul, President of ToursByLocals.
Everything Starwood900 says about the guide is correct. Vincent's behavior was unacceptable and was a clear violation of ToursByLocals policy to substitute guides except in unusual circumstances and always with the prior agreement of both the traveler and ToursByLocals. Once we found out all that had transpired, Vincent was fired from our site.
However, I take issue with Starwood900's portrayal of our response. The first we heard about the problem was when we were notified by our payment processor of a 'chargeback' 19 days AFTER the tour (we had long since paid Vincent as he had indicated to us that the tour was successfully delivered).
I immediately emailed both the guide and Starwood900, asking for clarification. In my email to Starwood900, I asked him to call us to discuss the matter. The guide reconfirmed that the tour was delivered successfully, but that it was delivered by a friend. Of course, this raised a red flag for me as it is against policy. But Starwood900 did take the tour from the substitute, so I waited to hear what he had to say.
In the absence of a response from Starwood900, I reported what I did to the payment processor, which initiated the 'dispute' that Starwood900 refers to.
Starwood900 replied 6 days later with a brief overview of what happened and to say that he was traveling and that he would call when he returned home (he has never called), and never gave us his phone number when asked). I've only learned of his side of the story through several other emails which have gone back and forth.
There's no doubt that refund is deserved in this case and that was never an issue. Clearly the source of the problem was an irresponsible guide (now fired from ToursByLocals).
Reporting the problem right away and giving ToursByLocals the opportunity to make a refund, would have made a quick solution possible. It would also have saved us the payment we made to the guide and the 'chargeback' fee applied when someone disputes a charge. With our payment processor and for credit card systems in general, once a 'dispute' process starts it has a life of its own and makes quick resolution difficult.
In our two years of operation our guides have successfully delivered thousands of tours. And we've given refunds for tours cancelled because of earthquakes, volcanos, bad weather and, on rare occasions, for guides that messed up a tour.
ToursByLocals had only two other 'chargebacks'. They were both resolved in our favour as the dispute resulted from the customer making a purchase long ago and forgetting what the purchase was about.
I'm sure I speak for all business people to say that you should first contact the business to try work out a solution to a problem. Issuing a refund to a credit card charge is easy and takes only a few minutes. Once you dispute the charge, even if the business accepts liability, there is a chargeback fee plus a black mark against the business. If you don't get satisfaction, the 'chargeback' route is still available to you.