That's quite interesting. Option 1 has happened to me a few times with an Oyster card, and I've always had issues claiming refunds, receiving this message: "We

That's quite interesting. Option 1 has happened to me a few times with an Oyster card, and I've always had issues claiming refunds, receiving this message: "We have been unable to process your refund application, This is due to a technical error." Since switching to using my Monzo card, I've had this issue one time and received the refund no problems. Not sure if that's coincidental.