Question Author
Aha - impenetrable Scots Person answers at 59 minutes - like trying to understand Sean Connery, with a head cold, talking through a duvet.
Agreed that I am owed the money - 'just can't see why it hasn't been refunded' - has instituted a 'manual refund' (sounds like a waiter from Fawlty Towers).
So - I now wait for another 'up to 5 working days' - what effin planet are these companies on - with "faster payments" I can move money instantly between banks.
Ho Hum
Yes - I think a letter to my MP or the PM is called for ...