A friend bought a new Senior Railcard online but failed to tick the box which said they did not want to QR code download to a smartphone. Although he has a smartphone it is an older model and it does not support the download offered by the Railcard. They now say that they will not refund the price paid and they will not issue a card. He has, therefore, paid the fee and does not have a card. Is this acceptable practice? Any views gratefully received.