Refund on to joint debit card, query !

grumbler

SuperHan wrote: »

I didn't make any comment as to the competence of the employee. That said, I have worked at retailers whose systems physically cannot refund to an alternative card... If you try, you get an error message that you can't bypass. The reasons for that were the above, and that you wouldn't get a refund on merchants fees if refunded to a different card.
... It has been part of the training at many retailers I've worked at. It's common practice to refund to original purchase card only.

Who cares about the fees, systems and training? It's the retailer's problem, not customer's. If they they have a returns policy in place or if the item is faulty, and refund can't be processed to a different card or the old card (Why? How do online companies process refunds?), pay by cash, cheque or a bank transfer then. What matters is the receipt, not the card.

I have many accounts with various bookies and often make card deposits and withdrawals (=refunds). All bookies have very strict AML procedures in place, but I have never had any problems with changing the card number when the card expires and withdrawing to the new card.

loobyloo168

mgdavid wrote: »

so did they process the refund, and if so is this now a non-issue?

Yes they did process the refund to my card which they said they couldn't do initially. So it is still an issue for me of the rights and wrongs of it, otherowise I wouldn't be asking about it would I ?

loobyloo168

Aquamania wrote: »

Wait for your partner's new card to arrive and send him, with his nice new card, to get the refund.

He alone paid for the item. He alone should receive the refund.


Hang on, are you saying in the last few days alone he's had refunds from Tesco & Primark too? :eek:
I could ask for you to post the evidence, but I doubt that will ever happen...

What have you missed ? I already explained we both work shifts and that day was the only day we could have gone out and got a replacement or refund before Christmas. They were Christmas light we purchased no point waiting until after the event to get a replacement.

And yes, 2 refunds from 2 different companies in the same week purchased on my partners card and refunded onto my card, which then returns to our joint bank account where it came from. I won't be posting "proof" of this as I have not made it up, as my life is not that sad and lonely for me to make up stories ! I just wanted clarification from someone who may actually know the rights and wrongs of it so I can either hold my hand up and say I was wrong or to write a letter of complaint about the way we were spoken to. If that's ok with you of course. I had googled it and came to know satisfactory answer so thought I would ask the lovely people on MSE.

boo_star

loobyloo168 wrote: »

What have you missed ? I already explained we both work shifts and that day was the only day we could have gone out and got a replacement or refund before Christmas. They were Christmas light we purchased no point waiting until after the event to get a replacement.

And yes, 2 refunds from 2 different companies in the same week purchased on my partners card and refunded onto my card, which then returns to our joint bank account where it came from. I won't be posting "proof" of this as I have not made it up, as my life is not that sad and lonely for me to make up stories ! I just wanted clarification from someone who may actually know the rights and wrongs of it so I can either hold my hand up and say I was wrong or to write a letter of complaint about the way we were spoken to. If that's ok with you of course. I had googled it and came to know satisfactory answer so thought I would ask the lovely people on MSE.

There's no legal obligation on a retailer to refund by the same method (and card) that was used to buy the item in the first place.

Retailers aren't beholden to AML regulations.

It is sensible for them to offer a refund via card rather than cash because if they don't, they'll not be put back in the same position they were prior. For example a £100 item. Retailer pays 2% fee for cards. They get £98. Then you return it and they give you £100 cash.

loobyloo168

boo_star wrote: »

There's no legal obligation on a retailer to refund by the same method (and card) that was used to buy the item in the first place.

Retailers aren't beholden to AML regulations.

It is sensible for them to offer a refund via card rather than cash because if they don't, they'll not be put back in the same position they were prior. For example a £100 item. Retailer pays 2% fee for cards. They get £98. Then you return it and they give you £100 cash.

Your a star ! Thank you so much 😘

Archi_Bald

boo_star wrote: »

Retailers aren't beholden to AML regulations.

I think you will find they are. They are also being advised by their acquirers that "There may be occasions when a merchant needs to make a refund on a card transaction for purchases made. This should only be done using the card that was used for the original transaction ". Common policy is that a refund will only be made to the card used for the purchase.

http://www.theukcardsassociation.org.uk/cards-transactions/transactional-processing.asp#content_1353

loobyloo168

Archi_Bald wrote: »

I think you will find they are. They are also being advised by their acquirers that "There may be occasions when a merchant needs to make a refund on a card transaction for purchases made. This should only be done using the card that was used for the original transaction ". Common policy is that a refund will only be made to the card used for the purchase.

http://www.theukcardsassociation.org.uk/cards-transactions/transactional-processing.asp#content_1353

Evan a 2nd card on a joint account ? It's come from the same place it's gong back to surely ? Amazing that other retailer s had had a problem with it. And like iv pointed out be for I work in retail and we only refund via cash. Think I will pop into branch and see what they say.

boo_star

Archi_Bald wrote: »

I think you will find they are. They are also being advised by their acquirers that "There may be occasions when a merchant needs to make a refund on a card transaction for purchases made. This should only be done using the card that was used for the original transaction ". Common policy is that a refund will only be made to the card used for the purchase.

http://www.theukcardsassociation.org.uk/cards-transactions/transactional-processing.asp#content_1353

http://www.hmrc.gov.uk/mlr/getstarted/register/who.htm

That says they're not.

Archi_Bald

loobyloo168 wrote: »

Evan a 2nd card on a joint account ? It's come from the same place it's gong back to surely ? Amazing that other retailer s had had a problem with it. And like iv pointed out be for I work in retail and we only refund via cash. Think I will pop into branch and see what they say.

If you read the link provided, you will see that it is a policy by retailer, not by card or card provider.

Archi_Bald

boo_star wrote: »

http://www.hmrc.gov.uk/mlr/getstarted/register/who.htm

That says they're not.

Sorry, I think we were not on the same page. What I meant was that no retailer will be let off if they are involved in money laundering. You were talking about the need to register - and you are of course right, most retailers don't need to. Just like you and I don't need to register but we would break the law if we were engaging in money laundering.