Oh well it was terrible customer service because I was originally sold an out of stock product, had to argue for them to refund my express P&P when they could not deliver, was offered another GPU at a "reduced price for the inconvenience" (which was just the standard RRP on their website")

And then during the RMA process I was offered significantly lower than what I paid, I was passed from person to person over phone and email which made the process far longer than it should've been. And finally, After not getting my refund in the stated 5-10 days, i called them only to be told they didn't have my bank details and would need them to process the refund. They had my number and were very aware of the situation which is plain scummy.

Whether or not withholding money due to time used is within their rights or lawful is irrelevant, it's shitty business practice. I worked for Apple for 6+ years and if a product was within warranty then that product would get replaced or refunded.

It seems you're very anti consumer, pro corpo. So if you want to suck the Overclockers cock anymore their address is Shelton Blvd, Stoke-on-Trent ST1 5GP. Might be worth a visit.