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Kickstarter refund and vanquis card

Morning all, not had this situation before so would appreciate your views. 

Ages ago (August 2023) I backed a project on kickstarter for about £200 - this week my pledge was refunded.

Kickstarter say they can only send the refund to the original payment card... trouble is that I only had the vanquis card as a credit builder and I cancelled it in early 2024. 

My actual bank account (Halifax) that I used for the credit card DD is the same, so does that mean vanquis will automatically route the cash to me eventually, or can I/should I contact them to ask them to do something (if so, what and how?) 

Thanks in advance for any advice. 
I'm not an early bird or a night owl; I’m some form of permanently exhausted pigeon.

Comments

  • CliveOfIndia
    CliveOfIndia Posts: 2,193 Forumite
    1,000 Posts Second Anniversary Name Dropper


    My actual bank account (Halifax) that I used for the credit card DD is the same, so does that mean vanquis will automatically route the cash to me eventually
    No, your credit card and your bank account are two entirely different entities, there's no link between them.  You can pay your credit card from any account you choose - just because your DD happened to come from Halifax doesn't mean there's any link as such between the two.
    can I/should I contact them to ask them to do something (if so, what and how?) 


    That would be my first port of call - give Vanquis a call, explain the situation and ask for their advice.  I suspect (though can't say for certain) that if Kickstarter send a payment to a closed account, it'll go into a holding/suspense account and Vanquis should be able to trace it.
    But this situation is far from unusual - they'll have a procedure in place to deal with it.

  • ArbitraryRandom
    ArbitraryRandom Posts: 2,718 Forumite
    Sixth Anniversary 1,000 Posts Homepage Hero Name Dropper
    Thank you. Just for anyone else who happens to find this on google with a similar problem: 

    I gave them a quick call this morning and they found my closed account with no problem.

    Apparently there's no automated process (as Clive advised) and as my account is closed I can't use the app anymore, so I need to call them again in a week or so (once the refund has been processed) to verify my ID and give them the account details to transfer the cash to. 
    I'm not an early bird or a night owl; I’m some form of permanently exhausted pigeon.
  • CliveOfIndia
    CliveOfIndia Posts: 2,193 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Thanks for the update.  That's good news - and it's always nice when folk report back the outcome.  Quite apart from anything else, it is - as you say - useful for anyone else who finds themself in the same situation and who happens upon this thread.
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