Returning an item to a store - debit card question.

suzie__xx

If I am returning an item which was purchased on a debit card to a shop, can the shop insist that the card holder must be there to sign for the refund?
Does this change if the item is faulty?
Thanks.

hollydays

You need the card with you, does that help?

suzie__xx

If the cardholder is unable to go to the store, but gives the card to a friend/family member, is this acceptable? Or is the store right in saying no as the signatures do not match?

wealdroam

suzie__xx wrote: »

If the cardholder is unable to go to the store, but gives the card to a friend/family member, is this acceptable? Or is the store right in saying no as the signatures do not match?

The store can effectively make its own rules on this.

The Anti Money Laundering Regulations say that the store must do everything they can to try and ensure money laundering isn't taking place.
Yes, my understanding is that they really are as woolly as that.

So if the store decide the card holder must be present then that is what must happen.

Anyway, that aside, technically a refund should be made to the purchaser, and the purchaser was the cardholder.

And let's not even consider what the seller's agreement with his merchant bank might say.... or the card holder's agreement with the card company for that matter.

I_luv_cats

suzie__xx wrote: »

If I am returning an item which was purchased on a debit card to a shop, can the shop insist that the card holder must be there to sign for the refund?
Does this change if the item is faulty?
Thanks.

What store ??

Some (like Argos) may give you a gift-card instead if you don't have the original card at the time.

I thought they did it that way as they have to pay a % to the card issuer.

powerful_Rogue

Id also keep in mind that if you hand over a bank/credit card in a different name the store may detain it.

gik

powerful_Rogue wrote: »

Id also keep in mind that if you hand over a bank/credit card in a different name the store may detain it.

Retain methinks?

powerful_Rogue

gik wrote: »

Retain methinks?

Either or, same difference.

themull1

powerful_Rogue wrote: »

Either or, same difference.

I thought detain was a person, and retain was an object. Not the same at all.!

peachyprice

suzie__xx wrote: »

If the cardholder is unable to go to the store, but gives the card to a friend/family member, is this acceptable? Or is the store right in saying no as the signatures do not match?

No, of course it's not acceptable. You can't sign for or use chip and pin on someone else's debit card.

Would you consider doing so if you were trying to spend rather than get a refund? No. It's no different. A store has no obligation to assist you in fraud by letting you use someone elses debit card.

powerful_Rogue

themull1 wrote: »

I thought detain was a person, and retain was an object. Not the same at all.!

Detain
- officially seize and hold (goods).

http://www.oxforddictionaries.com/definition/english/detain