Faulty goods returned without the credit card used to pay for them

ihatecaptcha

makapo wrote: »

You do seem to like the book a lot. You recommended the same book in your other thread.

Hmmmm.....

Yep. Well spotted.

http://forums.moneysavingexpert.com/showthread.html?p=25841023&highlight=#post25841023

blue_monkey_2

derrick wrote: »

Also the shop pays a fee when accepting a CC payment, this is refunded when the payment is reversed, which cannot be refunded if they refund the customer in cash!

Not entirely correct unless it is Paypal. I pay a fee when accepting a payment and then another fee if I am refunding the payment. This is what my merchant charges me per transaction - it is usually the same everywhere tbh but bogger companies can negotiate better deals.

I thought it was to do with money laundering as well, that the money always has to be refunded back to the card you used. Also, if you think about it, the laws are there to protect you as a consumer too. Someone could have nicked your bag containing an electrical item worth £200 and you could have left your receipt in there and then pop back to the shop and get the £200 refunded. This is why they have rules.

System

sujac wrote: »

I was under the impression that if goods were faulty you were entitled to a cash refund however you paid for them, taking into account wear and tear. If it was a simple 'changed mind' refund then it had to be by original payment method within the time period allowed.

Well this was how I treated returns while I was a retail store manager.

when were you a manager because there have been new rules in place for a long time .

sujac

I was a manager from July 2004-June 2009 when I left after having my little boy. We would first offer to put back on the original card but if the customers pushed I was told by customer services at head office that they were entitled to a cash refund. My auditors never raised any issues.

cleo1299

So what's the legal position? The shop can choose to agree to refund in cash, but doesn't have to?

Dozer_2

I'd like to know this too. Also, what happens if the card I paid for the faulty item with is no longer available. For example it has expired or I had closed that credit card account altogether. Surely, I am still entitled to a refund?

4743hudsonj

Dozer wrote: »

I'd like to know this too. Also, what happens if the card I paid for the faulty item with is no longer available. For example it has expired or I had closed that credit card account altogether. Surely, I am still entitled to a refund?

yes you would

if you paid by CC then you could just claim through s75 and be refunded even if your accounts closed

if you aid by debit and you closed it but are still with the same bank then they *should* just refund it to the new card as it is the same account number

however, if you dont have that debit account at all or they are persistent then you just have to ask for cash and under soga, it is your right and they will have to give you it in cash or risk being taken to court. it is then their problem to sort out till balancing not yours. they cant deny this is possible as staff can sometimes put card transactions through as cash and visa versa and this needs a method of correction.

however i havnt ever come across these situations so i cant say what would happen or if other avenues are available

Meepster

A refund has to be processed by the same TYPE of payment that was originally used.

So if it's cash or cheque - refunded to cash.
Debit card - refunded to ANY debit card
Credit Card - refunded to ANY credit card.

This is to comply with the Proceeds of Crime Act 2002, to remove the possibility of stolen goods being returned for profit...