On 2 occasions last week I tried to purchase an online subscription for Ideal Home magazine. On each occasion there was a problem in payment being accepted by the system so I subsequently phoned to complete this transaction. Again there was a problem with payment being made, despite trying 2 different bank accounts to try and accomplish this. However, payment was finally accepted. On looking at my bank statement this week I noticed that the payment had been taken twice. I phoned to ensure a refund of one of the payments was made to me and was told that the money had been refunded. I waited a few days but still there was no sign of the payment to my account. I again phoned and found out that the refund was credited to a "magazine account" for future use. The operator I spoke with on this occasion has assured me that the refund will go to my bank account within 72 hours. The question I have from all of this is why is it assumed that I would want the refund credited to my "magazine account" and not the bank account from which it was taken in the first place?