I’ve paid twice, can I get cash back?

The Daily Telegraph - Your Money - - READERS’ LETTERS -

Six months ago I bought a car bat­tery and paid by card. When the pay­ment turned up on my state­ment I failed to recog­nise it and my bank, San­tander, cred­ited it back to me. I sub­se­quently saw the er­ror of my ways and no­ti­fied the re­tailer, which then deb­ited my card again.

The bank state­ment then showed that the charge­back had been can­celled, so I had paid for the bat­tery twice. The bank doesn’t un­der­stand what has hap­pened even though I have been into my branch twice and have writ­ten to it. MT, CHESHIRE

You made a pay­ment for £69.75 us­ing your credit card. At your say-so, a charge­back was raised so that ini­tially, as is the way with charge­backs, San­tander cred­ited your ac­count with the £69.75 pend­ing in­ves­ti­ga­tion.

Af­ter you re­mem­bered what the trans­ac­tion had been for, the money was deb­ited again by the bank. How­ever, be­cause you also paid the re­tailer di­rectly again, you ended up pay­ing twice.

You wanted the branch to ar­range a re­fund of the du­pli­cate amount but it ad­vised you should con­tact the re­tailer. San­tander said that tech­ni­cally the re­tailer should not have taken a fur­ther debit from you. To get the funds back to you more quickly, San­tander is now cred­it­ing you with the £69.75 and will it­self re­claim the du­pli­cate sum back from the re­tailer.

To apol­o­gise for any con­fu­sion caused in the branch, it has sent you a bot­tle of wine. a lot of money there every week. A reg­u­lar buy is its Es­sen­tial Pit­ted Black Olives and up un­til now I had never found a stone.

This time, though, one olive wasn’t pit­ted and the stone cracked a mo­lar.

When I was able to get back to the store, it of­fered me a bot­tle of pros­ecco and filled in a mer­chan­dis­ing form for me. I re­turned the pros­ecco the next day on the way to the den­tist, whose bill was £480 for a porce­lain fill­ing.

Waitrose wrote say­ing it could not ac­cept li­a­bil­ity and en­closed a £20 gift card. I was told about the warn­ing on the bot­tom of the pack, but who would lift a plas­tic con­tainer full of liq­uid to check there?

I en­close a copy of my den­tist’s bill and hope that, with your help, Waitrose may go some way to prop­erly com­pen­sat­ing me. JW, WEST SUS­SEX

Waitrose came back to me and said: “While we take every pos­si­ble care to re­move all stones, with pit­ted olives there is a very small chance that some frag­ments may re­main and we in­clude warn­ings on the pack­ag­ing to let our cus­tomers know. The qual­ity and safety of our prod­ucts is our high­est pri­or­ity and we’re sorry Mrs W had this un­pleas­ant ex­pe­ri­ence.”

It has now given you a £250 Waitrose voucher.

a con­tract with Voda­fone, which was due to end half a year later. Monthly charges in­cluded the ini­tial cost of the phone, so I could see why the con­tract needed to go on to com­ple­tion.

I went into the Voda­fone shop a month be­fore the con­tract ended, tak­ing the death cer­tifi­cate and proof of pro­bate and asked for the phone to be trans­ferred into my name. All pay­ments had been by di­rect debit from a joint ac­count, so were still in place. It agreed a se­cu­rity num­ber and I was told this

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