ewan's response is more what I meant, yes. I understand that they may not want to deal with it, but as I want my goods, I most certainly *do* want to deal with it, so I don't mind playing ping pong between my bank and the retailer to sort things out.

And, well, I'd trust my bank, given that multiple people there all told me the same thing, whereas whenever I rang Nokia about it, I got a different story.