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Targus

Argos Refuse To Issue A Cash Refund

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We have a store card with Argos - it's called an 'Argos Card', but just to be clear, it is NOT a credit card.  (The credit cards Argos offer are separate and different, and we don't have one of those).

 

We purchased a product from Argos in September this year.  The purchase was on the Argos store card, to which we then made repayments each month by direct debit from a bank account.

 

By November, the product was faulty.  At this point, there was still some of the balance owing.  Argos collected the product and took it back under warranty.  Argos were unable to offer a replacement item as they have stopped stocking it, and we decided not to purchase an alternative from Argos.

 

This is when the problems started.  Argos then refunded us (i.e. refunded our credit payments) to the Argos store card itself, rather than the bank account, and Argos refuse to issue a cash refund to us of the payments we made up to November.  They insist that the 'refund' must take the form of credit to the store card only, despite this being our money (paid for a faulty product that Argos have taken back).

 

My question is:

 

- Can we insist that Argos issue a store card refund to us in cash?

Edited by Targus

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surely if its on their card is there no mention of what happens to any outstanding credit should you wish to cancel it?

they cant just keep it...

 

 


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4 minutes ago, dx100uk said:

surely if its on their card is there no mention of what happens to any outstanding credit should you wish to cancel it?

they cant just keep it...

 

 

 

We will need to look at the terms and conditions, yes, but my understanding of the general law in this area (I may be wrong, as I'm not an expert) is that Argos must issue a cash refund if this is requested/insisted on.  But I would appreciate it if somebody who actually has knowledge of this can confirm one way or the other. 

 

Morally/ethically, it is a faulty product and we are asking Argos to repay what we paid for it under circumstances where replacement is not available.  This does seem reasonable, but is that the law?

Edited by Targus

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No expert but I would think that they have to refund back to the card to cover money laundering issues. That said, can't you cancel the card? That way, they will have to refund any outstanding credit balance back to your bank account that direct debits are taken from. Know it's a pain but possibly a solution?

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opps link didn't post 

its covered under the CRA they must refund to the source.


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This is just like vouchers and gift tokens.

If you tried to return it because you simply have changed your mind then I would say you would have to accept the credit back onto the card if that's what they insisted on. However, because the item is faulty and they are in breach of contract then I think you are entitled to the cash.


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As it is covered by a credit agreement you cant be in credit on the card so they ahve to refund the balance in cash ior to your bank account

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