If I was told that the status of my refund meant that I would not get a Pandora until it cleared, despite everyone else where the refund didnt apply getting one, then I'd complain. But I would probably complain at the bank involved rather than the Pandora guys.
Of course if we were told we wouldn't get a refund OR a Pandora and that we had to lump it, then there would be more than complaining.
Those people with so called concerns, what is the nature of your concern? That you wont get a refund? That you will lose your Pandora? That you will simply be screwed over? I think there should be a bit more specification of whether you are worried about a refund but confident in the team, or concerned you are involved in some shady business deal and stand to lose all your money.
Also, my refund still hasn't come through yet. I do wonder whether if there is anything we could do to speed things along but I am assuming not. It is exceptionally poor form of the bank to be allowing this kind of situation to be happening really.