This is country of immigrants.
Indeed. Including my mother. I tried really hard not to discriminate against her, but I had to insist on someone else feeding me and changing my diapers when I was an infant. It was so hard to live with her for all those years growing up, but somehow I managed.
Even though I was born here and she wasn't, we did have one thing in common. Neither one of us spoke a word of English when we got here.
They intentionally waited for the day of worst rate exchange
You still haven't explained why they did that, or how could they have known it was going to get worse.
And, yes, everyone here is aware that you can know the current exchange rate. The problem with your theory is that it requires them to "intentionally wait[] for the day of worst rate exchange". In order to do that, they would have to know which way it was going.
Another thing that anyone can do is to look at currency fluctuation charts for the last week. I posted the relevant part of the USD/EUR chart.
The problem is that the actual rate (as opposed to the buy/sell rate spread of banks) fluctuated more in the course of several single days last week, than it changed for the entire rate.
I found a better chart, and it's kind of amusing. Here are Dollars to Euro last week, with an index on Monday and on Friday:
And here's the week in rubles:
From the directions of the graphs on those charts, I believe that most Namepros readers can figure for themselves what would be the effectiveness of Dan.com having
"intentionally waited for the day of worst rate exchange". Because if we are talking about EUR/USD, then they should have refunded you on Tuesday, if they intended to get the worst exchange rate of the week.
But, the fluctuations in neither of these currencies is as big as the cut apparently taken by your bank when it did the conversion in the first place. Dan.com is not responsible for what your bank charges you to convert foreign currency transactions. Dan.com would have no way of knowing that rate and, of course, Dan.com is not responsible for your choice of currency or banks.