I’ve paid twice, can I get cash back?
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