The 14 working days have passed since the 12th of July, when GZ emailed me to tell me that I would be refunded during that time. Well, you guessed it... no refund. It's no surprise, really - GZ do this to a lot of people, I'm just stunned that they are allowed to carry on doing it.
Last night I spoke to my bank about the situation, I was told that GZ had told the bank on the 19th of July that they would refund within 14 working days (of the 19th), hence the bank were still waiting within what they thought (erroneously) was the correct refund period. Keeping a grip on my temper, I referred them to their copy of the email that GZ sent to me, and they now agree that GZ should have refunded me by now.
The bank will now take appropriate action.
And, rest assured, so will I, when I've got my money back. I'm collecting as much relevant data as I can find, it'll be presented to the appropriate authorities and various consumer-rights bodies, in the hope that this crass attitude to other peoples' money is discontinued. I'm not hot on legal terminology so I don't know if what GZ are doing is theft, fraud, wilful deceit or anything else, but I do know that it's unacceptable and, in layman's terms, it's crap.
The message is - don't screw with me.