In Andalusia and the Valencia Community (and I'm sure others) the pharmacists are linked with your social security number. When the healthcard is scanned, the payment details are automatically read.Once you've reached the cap, based on the income declared on your tax return, there are no more charges. No need to claim anything back. I pay 10% of the prescription cost which stops at 8 euro. Hubby pays 40% of the cost as he is classed as my beneficiary but not yet a pensionista.
Is camposol in the Murcia region? Maybe they haven't linked the pharmacies up yet or the one you use isn't linked.
If you haven't made an annual resident tax declaration in Spain, there will be no indication on the prescription of how much you pay. Instead blanket charges of 40% for non-pensioners and 10% for pensioners with healthcards. No income information means no cap on the charges. (That last paragraph from a solicitors website).
Regarding hospital patients, medication issued whilst an in patient remains free. Charges are now being made for out patients if the medication is not available at a pharmacy. These charges are subject to the same 10% and cap depending on status.
If you are listed as a beneficiary of a pensioner, make sure you contact the International Pensions Centre in UK to change your status when you reach pensionable age to avoid the 40% charges.
Can't see where the "Spanish pensioners have the excess paid straight back into their bank account" comes from as the rules apply to every EU citizen registered correctly in Spain.
Finally, a couple across the road from me with temporary healthcards had to pay over 200 euro for medicines when they were delayed for a couple of weeks when the Icelandic volcano went off. They claimed the full amount back from the NHS when they got back to UK.