1. I spent a load of money on solomans, some bonds and sof. I didn't realise how much i spent (derp) and emailed jagex regarding this. I got an email saying they couldn't outright refund me (take the stuff away and give me my money back) but they could put a bill on my account. This meant they gave me 227 quid back, however it was billed to my account so if i wanted to log onto my account i would have to pay the bill. Add my on skype so i can show the images. this means they would never really lose any money (tossers lol)
2. If i was payed on paypal i could send it back to my bank/use my debit card. the only payment option is by paysafecard and i would use skrill.
EDIT:: hope that helps