Regardless of why they didn't attend, if it's laid out that no refunds will be issued after X day and the person finds that they can't attend they should contact the MD at the least. If they held a spot all the way until the day of the match and then didn't show that keeps another competitor from attending. While I understand that something could have happened morning of the match, they could still contact the MD and discuss before requesting a charge back on their card. In my mind, without at least talking to the MD first I think it is intentionally trying to defraud the club.