"Your Mobile Network does not allow to refund back so " so we will send you a post office slip for refund???
The first part of that sentence is presumably untrue, as other companies using payforit seem to have managed it for other members.
I suggest you ask the PSA whether it is correct that this company apparently "cannot" refund you directly and immediately and point out that for most services it is a legal requirement that they refund to the same account that the payment came from, unless the customer agrees otherwise.
If nothing else, it would be interesting to know whether PSA takes a responsible attitude and confirms this is unacceptable, or simply tries to wash its hands of the matter.
harrrrrry wrote: <snip> for most services it is a legal requirement that they refund to the same account that the payment came from, unless the customer agrees otherwise.
@harrrrrry That can't really be so?
When giffgaff refunded members for the double charging that occurred over a two year period, many of them complained about the method of refund as giffgaff refused to credit the bank account that the top up had come from.
The payforit system in our networks case is controlled by Telefonica, if the merchant is prevented from refunding direct to a giffgaff account the fault lies with Telefonica/O2.
Best I could find is http://www.legislation.gov.uk/ukpga/2015/15/part/1/chapter/4/enacted
56 Right to price reduction
(2)The amount of the reduction may, where appropriate, be the full amount of the price
(5)The trader must give the refund using the same means of payment as the consumer used to pay for the service, unless the consumer expressly agrees otherwise.
In the case of the giffgaff overcharge refund, the overcharge would presumably have come out of the user's PAYG credit, so giffgaff could possibly argue:
There's a reasonable counter-argument that if the member had auto topup enabled, the overcharge might have caused the balance to triggeran indirect charge to the member's payment card and so giffgaff ought to be willing to perform a discretionary refund after the overpayment had been added back to PAYG credit -- but that would presumably apply only to specific cases where it could be shown that the overcharge triggered the topup.
If payforit has no means to provide a refund, then that is yet another defect in the payforit system.