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  • FIRST POST
    • Binx1310
    • By Binx1310 12th Jul 17, 12:08 AM
    • 2Posts
    • 0Thanks
    Binx1310
    Tesco pay at pump debit delay
    • #1
    • 12th Jul 17, 12:08 AM
    Tesco pay at pump debit delay 12th Jul 17 at 12:08 AM
    Hello.

    This is my first post on the forum so be kind! Not sure if this is the right section so forgive me if it's not.

    On checking our bank account this evening we noticed a transaction with todays date and the description "Tesco pfs 3887 on 19th May 2017" we have narrowed this down to being our local Tesco petrol station and the value is around the price of a normal fill up. What's worrying us is that the money has come out of the account 2 months later!

    We have a moderate income but with 3 kids we always try and budget carefully. We had assumed that the money would be coming out straight away.

    Has anyone else had this happen? Is it normal? And is it worth a complaint to Tesco?

    Be interesting to hear others thoughts

    Thanks.

    Will.
Page 1
    • wgl2014
    • By wgl2014 12th Jul 17, 12:13 AM
    • 480 Posts
    • 291 Thanks
    wgl2014
    • #2
    • 12th Jul 17, 12:13 AM
    • #2
    • 12th Jul 17, 12:13 AM
    Did they charge you twice?

    If not I can't see what there is to complain about.
    • forgotmyname
    • By forgotmyname 12th Jul 17, 12:16 AM
    • 26,391 Posts
    • 10,547 Thanks
    forgotmyname
    • #3
    • 12th Jul 17, 12:16 AM
    • #3
    • 12th Jul 17, 12:16 AM
    Ive had regular shopping bills come out on a Wednesday/Thursday when the shopping was done at the weekend.

    If you budget carefully you should have noticed the extra money within 2 weeks or at the end of the month.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • Binx1310
    • By Binx1310 12th Jul 17, 12:17 AM
    • 2 Posts
    • 0 Thanks
    Binx1310
    • #4
    • 12th Jul 17, 12:17 AM
    • #4
    • 12th Jul 17, 12:17 AM
    No they haven't charged us twice. The complaint would be the fact we paid on debit card and the money didn't leave our account for 2 months! Personally I think that's a little unreasonable!
    • LABMAN
    • By LABMAN 12th Jul 17, 12:27 AM
    • 733 Posts
    • 1,208 Thanks
    LABMAN
    • #5
    • 12th Jul 17, 12:27 AM
    • #5
    • 12th Jul 17, 12:27 AM
    They have up to six months to take the money without contacting you. On the bright side you've had the use of it for an extra two months.
    • Nodding Donkey
    • By Nodding Donkey 12th Jul 17, 6:38 AM
    • 2,494 Posts
    • 2,113 Thanks
    Nodding Donkey
    • #6
    • 12th Jul 17, 6:38 AM
    • #6
    • 12th Jul 17, 6:38 AM
    Avoid this by paying at the kiosk, that way the full amount is reserved straight away rather than the £1 that the pay at pump reserves.

    Mind you, I can remember a time when Asda's pay at the pump provided a very useful, interest free, payday loan in the last couple of days of the month
    Last edited by Nodding Donkey; 12-07-2017 at 6:43 AM.
    • photome
    • By photome 12th Jul 17, 7:00 AM
    • 12,892 Posts
    • 8,375 Thanks
    photome
    • #7
    • 12th Jul 17, 7:00 AM
    • #7
    • 12th Jul 17, 7:00 AM
    If you budget carefully why didnt you notice the money hadnt been taken 2 months ago.

    what would you hope to achieve in complaining to Tesco
    • Car 54
    • By Car 54 12th Jul 17, 8:17 AM
    • 2,521 Posts
    • 1,646 Thanks
    Car 54
    • #8
    • 12th Jul 17, 8:17 AM
    • #8
    • 12th Jul 17, 8:17 AM
    Better on a banking forum?
    • CardinalWolsey
    • By CardinalWolsey 12th Jul 17, 8:34 AM
    • 143 Posts
    • 121 Thanks
    CardinalWolsey
    • #9
    • 12th Jul 17, 8:34 AM
    • #9
    • 12th Jul 17, 8:34 AM
    Delayed debiting is fairly common for pay at pump transactions, although two months is rather extreme. I've witnessed a typical time lag of 3 - 5 days at our local Morrisons, which has caught my teenage daughters out with their own budgeting (and they too now always pay at the kiosk).
    • AdrianC
    • By AdrianC 12th Jul 17, 9:23 AM
    • 16,049 Posts
    • 14,341 Thanks
    AdrianC
    So you paid for the fuel you had, no more - just a bit late - and you wonder if it's worth complaining? Why? What do you WANT from your complaint? Them to shrug and apologise, or some form of comp-en-SAAAAAAY-shun? For what?
    • Guest101
    • By Guest101 12th Jul 17, 10:13 AM
    • 15,118 Posts
    • 14,767 Thanks
    Guest101
    Avoid this by paying at the kiosk, that way the full amount is reserved straight away rather than the £1 that the pay at pump reserves.

    Mind you, I can remember a time when Asda's pay at the pump provided a very useful, interest free, payday loan in the last couple of days of the month
    Originally posted by Nodding Donkey
    They still do! regularly fill up about £40 a week before payday. I have an unofficial £50 buffer on my current account - does help a lot.
    • Nodding Donkey
    • By Nodding Donkey 12th Jul 17, 11:12 AM
    • 2,494 Posts
    • 2,113 Thanks
    Nodding Donkey
    They still do! regularly fill up about £40 a week before payday. I have an unofficial £50 buffer on my current account - does help a lot.
    Originally posted by Guest101
    Yes, people on here sometimes forget that not everyone has the luxury of making their pay last until the next payday
    • debtdebt
    • By debtdebt 12th Jul 17, 11:34 AM
    • 368 Posts
    • 254 Thanks
    debtdebt
    Did you try and contact Tesco when you realised they hadn't taken the cash out of your account shortly after you filled up?
    • agrinnall
    • By agrinnall 12th Jul 17, 12:07 PM
    • 19,135 Posts
    • 14,820 Thanks
    agrinnall
    Better on a banking forum?
    Originally posted by Car 54
    There's no point in it being anywhere as nothing wrong has been done and the OP has no genuine complaint to make. It's the answer that's always given when this question is asked (regularly) on the banking and credit card boards.
    • LeeUK
    • By LeeUK 12th Jul 17, 12:40 PM
    • 5,714 Posts
    • 2,627 Thanks
    LeeUK
    Avoid this by paying at the kiosk, that way the full amount is reserved straight away rather than the £1 that the pay at pump reserves.

    Mind you, I can remember a time when Asda's pay at the pump provided a very useful, interest free, payday loan in the last couple of days of the month
    Originally posted by Nodding Donkey
    They still do as long as you got a £1 on to auth the card.
    • Guest101
    • By Guest101 12th Jul 17, 2:03 PM
    • 15,118 Posts
    • 14,767 Thanks
    Guest101
    Yes, people on here sometimes forget that not everyone has the luxury of making their pay last until the next payday
    Originally posted by Nodding Donkey
    For me it's a massive help, I travel for work and expenses take 3-6 weeks to get back.
    • stator
    • By stator 12th Jul 17, 3:25 PM
    • 5,941 Posts
    • 3,909 Thanks
    stator
    Had a transaction from a motorway service station show up over 3 months late. It does happen sometimes. It's unbelievable in this day and age, not sure why it get's delayed, but it can happen
    Changing the world, one sarcastic comment at a time.
    • Eltel1802
    • By Eltel1802 6th Oct 17, 2:47 AM
    • 3 Posts
    • 0 Thanks
    Eltel1802
    Pay at pump petrol
    Hi,

    I just got a new MasterCard so googled whether pay at pump accepts these and came across this thread so had to post to clarify.

    I work in banking so know all about it. Basically, when you use a pay at pump it's classed as an unattended transaction (i.e. there's not a person taking ur payment). It's not just pay at pump. Paying on a train for a ticket is the same.

    What happens is you enter your pin and £1 appears to be deducted from your account. This is to ensure you have a 'debit or credit' card. These cards guarantee the lender (in this case the pay at pump) that the payment will be honoured, regardless of your account balance. So if you only had £1 in your account, this transaction would put you into debit whether you have an overdraft on your account or not. It's a maximum of £99 because usually a current account has a default of £100 (so £1 check and £99 petrol). However in reality that isn't always the case as explained below.

    Not all cards are accepted at the pay at pump. For example Visa electron, Savings accounts - accounts you wouldn't get a 'debit' card for will not be accepted.

    As soon as you enter your PIN and it's checked your card, if it liked it your account will be debited £1. Now a days the actually amount for the petrol or whatever you bought like a train ticket will usually be taken from your account the following day (although this depends on what time you do it at - it could be 2 days later if you fill up at say 11pm).

    To be clear - you do not get £1 plus the amount of the transaction deducted. The £1 is cancelled (so back in your account) and the true amount deducted.

    But please don't think this is a great idea if you're skint and fill up a few days before you are paid because if you do not have an arranged overdraft with your bank you could face charges that total far more than the amount of petrol you got!

    And finally if you are at a pay at pump and it says declined, you will get a receipt to confirm this as proof. Usually if you try again or again it'll work. If you have a card that's not accepted the machine will tell you and you then know there's no point in trying again!

    Hope this helps explain this!
    • Stoke
    • By Stoke 6th Oct 17, 10:15 AM
    • 2,027 Posts
    • 965 Thanks
    Stoke
    I love this feature. There have been times (albeit in the past) when I needed to get some fuel, but pay a few days later......
    Perfect.
    • Fireflyaway
    • By Fireflyaway 6th Oct 17, 11:38 AM
    • 1,463 Posts
    • 1,508 Thanks
    Fireflyaway
    I have to admit I've used the delay to my advantage on numerous occasions. I've filled up knowing I only need £1 in my account when its close to payday. I'd only risk it max 2 days before pay day just in case.
    I have never experienced a delay as long as you mention but as a previous poster explained, it can technically take 6 months after your cases is authorized. I suppose the only way to avoid it happening again is to pay cash.
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