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Lazada Philippines / non refund of money

Manila, Philippines
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I placed an order mid-December and paid with my credit card from a UK Bank. The order was not delivered on time and on December 26th Lazada cancelled my order. Now 24 days later I'm told that they won't refund the money to my credit card only to their e-wallet. The card was the original source of funds and the refund should be made to that. I am not in the Philippines and cannot access the money that they say is in the e-wallet and even if I could how could I then put that back to my UK credit card. Why can't Lazada just refund to my card ??? They are effectively keeping my money.

Dp
Jan 19, 2019

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