Consumer refund rights with debit card that has a 'void' signature panel...

InsideInsurance

keyser666 wrote: »

Yes it will, likely only to be 4 digits different in the middle

Given the last digit on a credit card is a check sum it would be odd that 4 numbers in the middle change "always change" but the last digit "never changes". Would mean those 4 middle digits have to always add to the same total.

Normally its either a "totally" new number or its the same number. The first 6 digits will stay the same because they identify the bank and card type. Sometimes banks may use digits 7 and 8 internally for the same. Digit 16 is checksum so can be calculated from the other 15

visidigi

peachyprice wrote: »

Debit cards? Mine have always been exactly the same, for years. I don't recall ever having a different number.

Maybe for a lost/stolen credit card? Debit cards, definitely not.

I requested a new debit card last week as the one I had was damaged, new card is a new number...

System

I cant say if the first 12 digits were different but the last four have always been new as I've had to change my card details on EBay /Amazon etc.
When we process a refund there are three things that we have to check the last 2 numbers on the receipt and card match , the person is the correct gender and the signature on the refund slip.
There are so many people with cards they haven't signed that we also sometimes have to ask to see something with a signature on.

Geodark

peachyprice wrote: »

Sainsbury's,
Curry's
Argos
Schuh
M & S
The list goes on. All won't refund to a different card.

Whatever happened to you years ago is irrelevant to the here and now. Retailers don't like, or have to, refund to a different card.

It's a moot point anyway as OP's card will be the same.

Yup, I have to agree with this but... it isn't the store that won't its the payment gateway they use. My wife works for a large payment gateway and they aren't allowed to do it due to fraud and money laundering regulations (FCA I think, but not 100% sure). I don't care who agrees or disagrees - this is fact. Might not be the same for all gateways but I would be surprised if it isnt.

Geodark

CHRISSYG wrote: »

I cant say if the first 12 digits were different but the last four have always been new as I've had to change my card details on EBay /Amazon etc.
When we process a refund there are three things that we have to check the last 2 numbers on the receipt and card match , the person is the correct gender and the signature on the refund slip.
There are so many people with cards they haven't signed that we also sometimes have to ask to see something with a signature on.

Is this your rules though or your payment gateways?

agrinnall

Geodark wrote: »

Yup, I have to agree with this but... it isn't the store that won't its the payment gateway they use. My wife works for a large payment gateway and they aren't allowed to do it due to fraud and money laundering regulations (FCA I think, but not 100% sure). I don't care who agrees or disagrees - this is fact. Might not be the same for all gateways but I would be surprised if it isnt.

You can say it's a fact until you're blue in the face but that won't change the fact that John Lewis refunded me to a different card.

System

Geodark wrote: »

Is this your rules though or your payment gateways?

What do you mean "my" rules ?

That is the procedure where I work.

The PDQ requires me to check the signature and press either yes or no.

SuperHan

agrinnall wrote: »

You can say it's a fact until you're blue in the face but that won't change the fact that John Lewis refunded me to a different card.

The OP was asking about H&M anyway, so your experience is only mildly helpful.

peachyprice wrote: »

Debit cards? Mine have always been exactly the same, for years. I don't recall ever having a different number.

Maybe for a lost/stolen credit card? Debit cards, definitely not.

The opposite way round. Every debit card I have ever had replaced has had a different number, usually (with Barclays, and I think my Halifax) the number has been identical but the last four digits have increase by 8 (e.g. gone from 8008 to 8016 then 8024). I've had at least 10 changes in DC numbers in my time. I know for sure as when I had a recurring payment on one of my cards that I didn't know how to cancel, I used to just order a new card so the number would change. And when I didn't want to cancel but had to get a new card I used to have to reinstate the payment.

Credit cards, however, are usually the same when replaced and the same number is given to additional cardholders, as the 16 digit number is the account number for your CC for the life of the account.

Andy_L

Did you return them because they were faulty or because you decided you didn't like them? If its the latter then any refund is totally at the discretion of the retailer rather than a matter of consumer protection legislation and they can insist on, pretty much, whatever rules they like

agrinnall

SuperHan wrote: »

The OP was asking about H&M anyway, so your experience is only mildly helpful.

While it doesn't help the OP there is another discussion going on within this thread, and my experience contradicts Geodark's categoric statement.