Offered Refund

born_again

Jumblebumble said:

Brie said:

They obviously need a way to get the money to you so if they don't do cash or cheques then a bank transfer is the only way.  To do a transfer they would need your name (as used by your bank) the sort code and account number.  They don't need the address.  But given so many people give their name wrong for these things the copy of the bank statement makes sense.  You may go by Ad Name but your bank might know you as Adelaide Sur-Name so providing the bank statement makes it straight forward.

I would have thought with a creation account they might already have a lot of this and it's a known thing so not sure what's the problem unless you think it's a scammer's email?

Strange
My banks verify that the name and sort code and account number match 
Do you think that creation don't use such a system?
( I do accept that some  accounts with banks like Metro don't seem to like to be verified)

COP is at receiving banks end, not sender.

user1977

born_again said:

AnnikaJuarez said:

IvanOpinion said:

AnnikaJuarez said:

You should ask if they can issue a cheque payable to you. This traditional method doesn't require sharing bank details electronically, and you can deposit the cheque at your bank.

That would require the person issuing the cheque to share their bank details with the OP, maybe they don't want to do that for the exact same reasons as the OP.   In the middle ages, when I used to use cheques, I noticed that when I had to request a copy of a cheque, the receiving account number and sort code had been written on the back (so Currys/Creations could still get the OPs bank details).

Issuing a cheque may be a reasonable solution but would they have the right to reduce the amount to cover admin since it would be at the OPs request?

Just send them a statement, redact the transactional detail if it makes you feel better. You are dealing with a 'reputable organization' not a Facebook vendor.

I also don't trust sharing my bank details with anyone else. Who knows what can happen? The digital space is so unsafe. But as an option for refunds, I prefer using apps like PayPal. They aren't the best ones, and it takes time to get money there. But it's at least something.

What do you think can happen with your bank details?

The only thing anyone could do with them is set up a Direct Debit... Just ask J Clarkson 😶‍🌫️

And that's only with the limited number of merchants allowed to set up paperless direct debits. A fraudster can't do that to syphon off your money straight into their own account. And the Direct Debit Guarantee means you'd get the money back instantly from your bank as soon as you spot it.

AnnikaJuarez

I don't know whether it's related or not. But I stopped sharing my bank details after one story that happened to my friend. It was about 8-10 years ago. But what happened is that someone somehow used his card to pay for small things like coffee or lunch. My friend didn't check the spending history because the amount was minimal until his card was blocked by the bank. He bought himself a cup of coffee at Starbucks in London, UK. Then, another payment was made in Starbucks somewhere in NYC. As far as I remember, the bank blocked his card, and there he was told what had happened. I don't know how it's even possible, but I became really skeptical about sharing my data online.

born_again

AnnikaJuarez said:

I don't know whether it's related or not. But I stopped sharing my bank details after one story that happened to my friend. It was about 8-10 years ago. But what happened is that someone somehow used his card to pay for small things like coffee or lunch. My friend didn't check the spending history because the amount was minimal until his card was blocked by the bank. He bought himself a cup of coffee at Starbucks in London, UK. Then, another payment was made in Starbucks somewhere in NYC. As far as I remember, the bank blocked his card, and there he was told what had happened. I don't know how it's even possible, but I became really skeptical about sharing my data online.

Card details are totally separate from bank Sort & acc.

Every time your card is used retailer has access to full 16 digits.

AnnikaJuarez

born_again said:

Card details are totally separate from bank Sort & acc.

Every time your card is used retailer has access to full 16 digits.

I know about this. That's why, in some cases, I prefer to be old-school a bit  and use cash. I don't feel comfortable buying from newly appeared online retailers, unless a bunch of people I know will test them on their own skin. Then I'll make a step. At least I don't have this story when I paid some money into nowhere and never received my order. Besides, keeping only cash with me helps me with overspending. Of course, it doesn't work this way when I pay for mortgage or some loans.

IvanOpinion

For payments I just ask people for their bank details and do a transfer. I still have an old chequebook, somewhere - it was sent to me back in 2010 (when I last used cheques). 

Over the last few years I have only had a few instances of people saying they will not give out their bank details and would prefer a cheque; my response is usually to tell them I will try to get to the bank within the next couple of weeks to get them a cheque. For some strange reason that suggestion seems to free them from their aversion to providing bank details.

AnnikaJuarez

IvanOpinion said:

For payments I just ask people for their bank details and do a transfer. I still have an old chequebook, somewhere - it was sent to me back in 2010 (when I last used cheques). 

Over the last few years I have only had a few instances of people saying they will not give out their bank details and would prefer a cheque; my response is usually to tell them I will try to get to the bank within the next couple of weeks to get them a cheque. For some strange reason that suggestion seems to free them from their aversion to providing bank details.

I provided my bank details once when I was moving from one rented flat to another so I could get my deposit back. But it was in the building manager's office. I never submitted anything online. My biggest concern is to share bank details online.

GingerTim

AnnikaJuarez said:

I don't know whether it's related or not. But I stopped sharing my bank details after one story that happened to my friend. It was about 8-10 years ago. But what happened is that someone somehow used his card to pay for small things like coffee or lunch. My friend didn't check the spending history because the amount was minimal until his card was blocked by the bank. He bought himself a cup of coffee at Starbucks in London, UK. Then, another payment was made in Starbucks somewhere in NYC. As far as I remember, the bank blocked his card, and there he was told what had happened. I don't know how it's even possible, but I became really skeptical about sharing my data online.

That sounds like your friend's card was cloned, not something to do with providing bank details to anyone.

AnnikaJuarez

GingerTim said:

AnnikaJuarez said:

I don't know whether it's related or not. But I stopped sharing my bank details after one story that happened to my friend. It was about 8-10 years ago. But what happened is that someone somehow used his card to pay for small things like coffee or lunch. My friend didn't check the spending history because the amount was minimal until his card was blocked by the bank. He bought himself a cup of coffee at Starbucks in London, UK. Then, another payment was made in Starbucks somewhere in NYC. As far as I remember, the bank blocked his card, and there he was told what had happened. I don't know how it's even possible, but I became really skeptical about sharing my data online.

That sounds like your friend's card was cloned, not something to do with providing bank details to anyone.

In this case, how can it be cloned? I'm pretty sure no one can clone a card if you are paying with it in a store? I think that someone can access your bank details and your debit or credit cards only online.