This sounds questionable to say the least?
What if you don't have the same bank account/card X years later, because it's your money/choice to change as and when you feel like it?
Then what? You just don't get refunds, because OCUK makes up it's own law? I'd doubt that...
Just ring back and speak to someone else that isn't a bell end - this reeks of someone trying to be a pain in the arse and abuse what little power that they think they have...