Hello, I would be really grateful for any advice on the following situation with Conister Bank (with whom we have a car finance agreement). I am due to make another payment at the end of this month, but this payment is a few weeks late. There doesn't seem to be an issue with this as the account's in otherwise good form. I received a letter from Conister informing me that they would be refunding charges as they had not sent out yearly reviews in time with guidelines (or along the lines of that!). I subsequently found out that they had sent the refund to the wrong bank - I had closed that bank and made manual payments for the last three-four months - and when I called them to discuss getting the refund sent to the correct bank the were really stroppy and told me "we can't send your refund until you've cleared the late payment and your direct debit's set up". I'm confused as they had already sent it and my account was exactly the same! I gave them the correct bank details but now I can't get anyone to give me an update on what's happening with the refund. Does anyone know whether they're right? I find it confusing that they have already paid out the refund but are now saying this. Thank you for any advice.