Please can any financial or retail gurus please explain the following. At the beginning of this month I bought a gift card to send to a recently engaged family member. SUTPIDLY I put it in a congratulations card and posted it. The card has not arrived! I contacted John Lewis and they have told me that the card has not been used. They offered to freeze the card and I agreed. This means that it can't be used and could only be re-activated by me in person at a John Lewis store. So far so good. Today I asked JL if they could issue me with a replacement card. They can't and wont. They say my card is in limbo!! However they have had my money and the card has not been used and is now frozen from use. So where is the money I paid. All I know is that it is not in my possession. Two things to learn from this:- One. I am an idiot for not sending it recorded. Two. With John Lewis gift cards the rule is "Heads they win and tails you lose". Nick A saddened and wiser fool.