Refunding onto same payment card

arcon5

texranger wrote: »

in normal circumstances the pin will be the same as the old card unless you requested this be changed too.

they cant refuse to refund, but if you dont have the original card or a replacement then they can refund in whatever means they deem suitable, which is usually their own gift cards etc.

hmmm not sure how true that is.

aldredd

wealdroam wrote: »

Not sure there is any thing in consumer law that says they cannot refund onto their own gift card, even if the goods are faulty.

But isn't it the case that if you buy a faulty item you're pretty much entitled to a full refund, and not have to settle for a gist card?

wealdroam wrote: »

If the customer agrees to accept a gift card, as in your case, what's the problem?

Correct - but I only did so because it was a 'I don't want it anymore' type refund, ergo less rights. But if it was the case that I'd bought a faulty item and wanted a refund, I would not have settled for a giftcard.[/QUOTE]

peachyprice

Flyboy152 wrote: »

That's what the receipt is for.

How does a receipt prove you are the original purchaser?

arcon5

aldredd wrote: »

But isn't it the case that if you buy a faulty item you're pretty much entitled to a full refund, and not have to settle for a gist card?


Correct - but I only did so because it was a 'I don't want it anymore' type refund, ergo less rights. But if it was the case that I'd bought a faulty item and wanted a refund, I would not have settled for a giftcard.

[/QUOTE]

Within 'reasonable' time you can reject goods for a full refund. After this time has passed you're entitled to a 'remedy', being a repair, refund or replacement (effectively retailers choice).

I don't see a gift card which your required to spend with the retailer as a 'refund', more like an exchange.

aldredd

arcon5 wrote: »

Within 'reasonable' time you can reject goods for a full refund. After this time has passed you're entitled to a 'remedy', being a repair, refund or replacement (effectively retailers choice).

I don't see a gift card which your required to spend with the retailer as a 'refund', more like an exchange.

Exactly - if you bought an item - took it home and it was faulty. I would want (and be entitled to) a full refund - and if I didn't have the original card for one of many valid reasons - I would not settle for a gift card.

The other day was the first time it's happened to me, and it so happens it was a normal return, so didn't push the agenda, but certainly would have done if it was a faulty item.

RadoJo

In fairness, the store might have treated you differently were the item faulty, but because they were doing a goodwill refund they were more inclined to follow the process which was less hassle for them. I think asking for cash might be a problem, just because there is no paper trail for the process, but presumably a customer who had paid in cash in the first place (for a faulty item) would be able to get a cash refund.

texranger

trouble is consumers have no idea how retail works when it comes to merchant service agreements. how would consumers feel if they went into argos with the dc/cc and was told sorry we cant take them now all because we were refunding on cards that were not used for original purchases so our merchant service provided cancelled our agreement. so we can only take cash now.

aldredd

texranger wrote: »

trouble is consumers have no idea how retail works when it comes to merchant service agreements. how would consumers feel if they went into argos with the dc/cc and was told sorry we cant take them now all because we were refunding on cards that were not used for original purchases so our merchant service provided cancelled our agreement. so we can only take cash now.

But that's of no concern to the consumer - and any consumer protection law over-rides any agreement between a merchant & their provider.

If a store told me I couldn't have a refund because their provider doesn't allow it - I'd tell them I couldn't care less what their provider does or doesn't allow - if I'm entitled to a refund then that's what i want, and if the payment card is no longer available, then they need to find an alternative - be it another card or cash - but not gift card (unless of course they're happy with that!)

aldredd

RadoJo wrote: »

In fairness, the store might have treated you differently were the item faulty, but because they were doing a goodwill refund they were more inclined to follow the process which was less hassle for them.

Oh for sure - I'm playing devil's advocate, coming up with a scenario I've not completely been in - but bet there are people out there who have, and keen to be well-informed should it ever occur )

wealdroam

aldredd wrote: »

wealdroam wrote: »

Not sure there is any thing in consumer law that says they cannot refund onto their own gift card, even if the goods are faulty.

But isn't it the case that if you buy a faulty item you're pretty much entitled to a full refund, and not have to settle for a gist card?

"pretty much entitled", is that a legal term?
Please read again what I wrote.

aldredd wrote: »

wealdroam wrote: »

If the customer agrees to accept a gift card, as in your case, what's the problem?

Correct - but I only did so because it was a 'I don't want it anymore' type refund, ergo less rights. But if it was the case that I'd bought a faulty item and wanted a refund, I would not have settled for a giftcard.

Thank you for your responses.

Now, do you care to comment on the third part of my post...

wealdroam wrote: »

If the customer and retailer cannot agree on the method of refund, effectively meaning that the retailer refuses to pay the refund, then its off to court you go.
Would it ever get that far?