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Debit card
Wed, 21 Jun 2006 14:30:36 +0100
uk.people.silversurfers
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linedancer...
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I am feeling quite annoyed :-(
Flying Rat...
Flying Rat...
Flying Rat...
Flying Rat...
Flying Rat...
Flying Rat...
Flying Rat...
Flying Rat...
Flying Rat...
I transferred £1000 on Monday afternoon from my e savings a/c into my Flex
current a/c to book a flight on the internet for us and two friends, Airline
network, who I have booked with many times over the years were showing the
flight we wanted with XL airways as available, so I went through the booking
procedure, entered my debit card details, clicked buy, then it said no
pmj...
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First (possible) mistake - A Debit Card (on a Current Account)
is (broadly) similar to issuing a Cheque & "Stopping" payment,
once Authorised can be problematic.
If you had used a *Credit* card, then the Credit Card Company can
put the Transaction on Hold & do a "Chargeback" to the Firm, if
there's a dispute about it.
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flights available, yesterday morning I went online to transfer my money back
into e-savings, I discovered they had actually taken the payment, now I
can't get my money back until Friday, Nationwide are holding it, apparently
they won't cancel the authorisation codes to release it, I have spent ages
on phone calls to A.Network and Nationwide to no avail, I don't need it, but
it is very annoying :-(
End of rant ;-)
Flying Rat...
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TBH I won't book with a broker. Too many chances of disasters because=20
there has to be a link made between the airline system and the broker,=20
then with the Visa/Mastercard systems which process the transaction.=20
This often means the broker has to pass your card details to the airline=20
and their transaction server handles it, then passes it back.=20
Often the broker's site just pulls details off Sabre rather than live=20
data from the airline. So they could be taking your card details for a=20
seat that's already been sold. That's when it falls over, if the Sabre=20
system hasn't updated yet.
The only one I'll trust (because they have gotten it consistently right)=20
is Expedia. They do the same but their systems are mature and work=20
properly.
they operate the route you want. Your money should be perfectly safe,=20
it's just held in limbo for a short time as the transaction was=20
authorised but not completed.
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Flyiñg Ñuñ 2°°6 +...
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I hope they'll be paying you the interest you lost whilst the money was out
of your account + the amount they made whilst it was in theirs. :)
Rabbit...
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Sheesh at the current rate of interest on savings accounts that'll probably
be less than a penny :-(
Flyiñg Ñuñ 2°°6 +...
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Those e-savings accounts are giving around 4% net atm. So on £1000 that'd
be about 74p per week. Well let's say 37p Pat lost from her account + 37p
Rabbit...
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Not even enough for a lottery ticket :-)
Flyiñg Ñuñ 2°°6 +...
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Well that's saved a pound then! :)
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the company gained whilst Pat's £1000 was in their account. It's about one
Rabbit...
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Ah but did they ? It might still be in limbo somewhere within the banking
system. Along with all the other amounts in limbo which the banking industry
linkuk...
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Must be loads in limbo and defenders of this say oh well its in the clearing
system as if thats a non profit making company.
Rabbit...
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Millions if not billions. I found out 30 something years ago that the wages
of a large company were paid from their bank at 1am but they weren't
available for withdrawal till 3am. I've no reason to suspect it was just the
Ali...
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What bank allowed withdrawals at 3am thirty years ago?
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one company/bank or that anything has changed today. If it hasn't that's
some amount of cash the financial institutions have to play with for two
linkuk...
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Yes and with todays money markets open 24hours every day of the year it must
go on in every time zone creating a never ending stream of money to all the
participating banks.
Governements will never control the banks because the more profits they make
the more tax goes ti government.
Call me a bit cynical but i would guess mp's in the uk wont hit them too
hard in case it jeopardises part time directorships when they retire or get
kicked out of parliment. lol
Rabbit...
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Sceptics and Cynics Anonymous ( UPS branch) have regular meetings in the
conservatory, you will never be alone there ;-)
Flyiñg Ñuñ 2°°6 +...
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I believe there's now a new conservatory available for meetings down on the
south coast near Littlehampton. :)
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Ali...
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That's not a long time. The 5 days it now takes to clear a cheque on the
other hand...
Also 30-something years ago, a large nationalised corporation that I jbexrq
for at the time found it worthwhile to take certain large cheques (from
customers) to the branch they were drawn on, and take the payment in cash,
saving time and bank charges.
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hours.
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The clearing system is of course owned by a huge consortium of banks
worldwide so the banks gain the benefit.
Not that they will ever make those figures easily availabvle of course.
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Flyiñg Ñuñ 2°°6 +...
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Does no harm to claim compensation though.
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can use ;-)
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sliced brown wholemeal loaf of bread I reckon. That's a fair bit of nice
healthy toast she could make. :)
linedancer...
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It pays 4.55% so over the 5 days lost interest it would be only slightly
more than that, not worth bothering about really. It's the principal of the
thing that annoys me, the retailers did all they could for me and they did
offer to pay any charges incurred, the girl rang Nationwide and asked them
to remove the authurisation codes so that I could get my money today, but
they refused, not possible, they said !
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Rabbit...
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To be accurate though, you'd have to subtract the overheads like electricity
for the toaster and labour ;-)
Flyiñg Ñuñ 2°°6 +...
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Not if I hadn't got the bread in the first place I wouldn't - prolly just
starved. :(
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linedancer...
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Yes, we have stressed that they have to do that, so we will see !
Flyiñg Ñuñ 2°°6 +...
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I wouldn't hold my breath though. :(
linkuk...
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Just another example of banks doing whatever they want because the customer
pmj...
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Not really?...
It's basically an example of the *Retailers* poor business
(& Customer Relations) practices.
They shouldn't have Cahrged the Debit Card, if the Flight was
unavailable.
& they should have (since they *did* charge it) promptly Refunded
(Credited) it back again, when the error was pointed out to them.
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cant fight back and moving elsewhere will simply bring another problem as
pmj...
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Yep, agreed.
But in this case, the Banks standard practice is widely known
linedancer...
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Thank's Ratty
I had looked at XL website and there was only one seat available, then I
found some seats at Airline Network, that's went it went pear shaped.
I have since booked a different dateTo Mykonos direct with XL much cheaper.
Flying Rat...
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Have you flown with them before?
XLA are part of the Avion group, who own Air Atlanta. They are Icelandic
but the Excel bit is British operated.
They recently took delivery of some brand new aircraft for the British
flights to places like the Greek islands.
You should be fine with them. They have some extremely good fares
available too.
linedancer...
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No, I haven't flown with them before, the fares were very reasonable, it's
much cheaper to book direct than with a travel agent. Thank's for the
advice, it's nice to know they are a decent airline, with new aircraft too.
Flying Rat...
I had a nice letter from Airline Network this morning apologising for what
happened, they have passed it on to their IT dept to sort out the problem
link with Excel, btw I have just got my money back so I am pleased to get
Pam the goose...
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And far be it from me to point out that all of UPS were on your side so it
gave you backing.
If we hadn't have shared it maybe you'd still be waiting for the refund!
Glad it's all sorted.
linedancer...
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Thank you Pam, it's nice to know I had the support of UPS behind me .
That did help :-) I really was worried and yet annoyed at the same time.
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it sorted :-)
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& it's the *Retailer* who is clearly at fault.
Only with a *Credit* Card, can you expect the Card Issuer (Bank)
to take up the prob on your behalf, with the Retailer.
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they are all alike.
Hope u get the interest though.
pmj...
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It's not just the Interest that she is losing, is it?
It's the *use* of the Money as well!
linedancer...
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I agree with all you have said PMJ. I only used the debit card because there
was a £7 chargefor a credit card.
What I can't understand is that Airline Network are still showing the
flights as available as are another company Expedia, at least when I tried
with Expedia they did tell me they were unavailable before taking my money,
apparently there is a problem with the computer link between Excel Airways
and the agents selling the tickets and sometimes the web booking site works
and sometimes it doesn't , that was the explanation anyway ! When I asked
does it normally take payment, I was told it did occasionally if you take
too long filling in the details, I did leave them on the screen while we
discussed it, I must remember to be quick next time !
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SAXA...
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To be fair, everyone is looking from a POV that what you paid in, you
should get out. There are costs involved in these transactions, and having
dealt wirh the Nationwide for many years, I find they are one of the
fairest. So stop whingeing and discover what would've happened had you been
dealing with another Bank.
linedancer...
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There's no need to be so rude .
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