Where's my money gone?

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Any ideas on this?

Last September I bought a tablet from Argos's Ebay site for £99.99 paid by Pay pal linked to my credit card.

Recently it went wrong so I sent it away for repair.
They said it can't be fixed and would refund my money.

So they sent the refund back to Pay Pal.

Now this is where the problem lies.

The card I paid with expired and they sent me a new one with a different number, nothing new about that.
However, they have refunded it to the obsolete card, the same one I bought it with that has now expired.

So where's my money gone and how do I get it back?

I've been using the new card with Pay Pal for months.


Any ideas?
 
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That's strange. Why did the CC company change the number on the card? Normally, when a card expires, they send you out a new one but it bears the same number. That way, your account number (the 16 digit number) remains the same albeit the start/expiry dates differ (and possibly the issue number)

They normally only change numbers if your CC has been cloned or subject to fraudulent usage.

The retention of the account number ensures that any transactions continue on the account.

Personally, I would contact the CC company and explain the position. The old account should have been credited with the refund and this should have been transferred to a refund on your new account which ought to be shown as linked on their internal systems.
 
its still the same account
the last seven numbers on new card will be different [last 4 on the front and security number on the back]
my replacement cards are all the same first 12 digets the last 4 are2866 then 2874 then2882 on subsequent cards so not very technical
 
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another thought
has you bank or credit card provider merged or de-merged
i was with tsb for over 40 years i have not moved but am now with lloyds with a different card number after the lloyds/tsb demerger
 
No. this one is HSBC. I've got Lloyds and TSB accounts but this one is HSBC.
 
So they sent the refund back to Pay Pal.

Any ideas?

Have you actually checked your PayPal account rather than just your credit card/bank account?

The last time I had a refund to PayPal (debit card) I didn't see it appearing in my bank account after checking for about 10 days. Eventually, I logged into my PayPal account and saw that it was sitting there as a credit which was then automatically used towards my next purchase. I think there was a way to transfer it back to the bank account but as it was only three quid odd I didn't bother.
 
its still the same account
the last seven numbers on new card will be different [last 4 on the front and security number on the back]
my replacement cards are all the same first 12 digets the last 4 are2866 then 2874 then2882 on subsequent cards so not very technical

No they won't necessarily be. Maybe for some cards. Not in my own experience though hence why I posted what I did.

Both my credit cards have retained the same 16 digit number for as long as I have had them (and one of them I have had for almost 25 years) The security code and dates differ each time but not the 'card number'. One is VISA and one is MASTERCARD. I have had the VISA for so long that I know the 16-digit code off by heart and it has NEVER changed in those 25 years.

AFAIK, the last 4 digits on a card are only a validation code anyway.

Anyhow, that's not helping joe.

Apparently, most cards will have the first 5 digits as the type/issuer code, the last 4 as a checksum and the middle 7 as the actual account number. Joe- are the digits 6-12 on your new card the same as the old one?
 
The bank said to call back in about a week and they'll sort it. They needed some details of my current account card but I've not seen that for the past year, so I'm waiting on a new one.
 
The bank said to call back in about a week and they'll sort it. They needed some details of my current account card but I've not seen that for the past year, so I'm waiting on a new one.
Not very clever with cards are you.
 
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