Returning TV to Argos (bought from 3rd party)

System

i believe it was brought in to try to stop money laundering

System

Flyboy152 wrote: »

Never experienced that, ever. Always had it refunded to any card. I have never had anyone check which card I put in the machine.

well if you return something to my place of work then you can stand there for a month of sundays but we will not refund onto any card !

spadoosh

Flyboy152 wrote: »

Not strictly true. Argos would have no real way of knowing which card was used to purchase the item. As long as it is refunded to any card, there shouldn't be much of an issue, in that respect.

Completely true, on the reciept will be the last 4 digits of the card further to that on their systems will be the full 16 digit card number. Im also pretty sure any retailer has to refund by original payment ie the card it was paid on, in the event of a new card being issued they can contact the card issuer and confirm the account details are exactly the same.

Argos can easily refuse to deal with you as the product was not sold to you buy them and as such they have no idea what the terms of sale were. I would suggest returning the product to ebay or contacting the manufacturer, i would say its also unfair to make argos deal with this as you are not their customer.

spadoosh

ooo shouldve read on, looks like were all jumping on the misinformation train.

spadoosh

erincc wrote: »

Seriously!!

So if you buy someone a present and give them the receipt incase there's a problem and they have to take it back for whatever reason, is that fraud too??

If your buying a gift for someone and unsure they will like/want/need it you ask for a gift reciept.

unholyangel

erincc wrote: »

Seriously!!

So if you buy someone a present and give them the receipt incase there's a problem and they have to take it back for whatever reason, is that fraud too??

But in those instances the retailer offers a repair/refund/replacement on goodwill. They have no legal obligation to do it. Unless it was specified at time of purchase that you were buying it for someone else (usually signified by a gift receipt).

Please often confuse good customer service with "rights". Hence why its always best to stay polite and undemanding as you may think you're entitled to something you're not.

Flyboy152

bris wrote: »

The retailer does record the full card details, the retailers copy has all the digits printed, the customers copy has the details starred out apart from the last 4 digits.
The reason it's refunded to the same card is for money laundering and fraud purposes, the merchants terms and conditions also strictly stipulate this and the retailers service can and will be withdrawn if they break this.
There is nothing illegal about refunding to a different card, but if it does turn out to be fraud the retailer would lose any chargeback protection and their merchant service agreement for breaking the rules.

But that is nothing to do with the customer. There appears to be no agreement for this between the customer and the card processing company.

Flyboy152

texranger wrote: »

it is clear by Flyboys responses that he is not a retailer so has no idea how retailer and merchant service agreements work.

:huh:

I have never purported to be a retailer, so I fail to see where you assumed I might have been. I am asking this question because it doesn't make sense that a customer should be held responsible for any agreements a retailer has with the card processing companies.

I asked for someone with a bit of knowledge to answer the question, so I don't understand why you even tried.

Flyboy152

CHRISSYG wrote: »

i believe it was brought in to try to stop money laundering

How would refunding to a different card be money laundering?

Flyboy152

CHRISSYG wrote: »

well if you return something to my place of work then you can stand there for a month of sundays but we will not refund onto any card !

But where does it give a retailer the legal right to refuse?

What if the card no longer exists?