cheque declined code 004 ?????????? help

jakemuk

was in town today went into dixons brought some clearence stuff with a cheque and went through fine

but then tried to purchase somethign in argos declined ???? wow i was stunned never known a check decline ever but i guess they must do,

then thoguht maybe error entering cheque gaurantee number,

so on way home popped into hmv to buy the same thing,

and bullseye it happened again but the guy was v helpfull and gave me the code it was saying he dint have a clue either,

know my banks fine no problems cards valid etc,

is there a system as to where you can only use it once a day ?

i heard a guy in dixons saying it to someone ????
so is it a safety mesausre they have in place ? cause before i have used cheques loads on diff days i dint think it authorised just checked if card was lost/stolen ??

(post written by a mate)


many thanks posting on his behalf as he cant reg

omega27

Most companies use Transax to process & authorise cheques. Basically if the cheque bounces, Transax reimburses the retailer. Perhaps they thought too many cheques in too short a time could be a problem? Code 004 probably means to contact them, but they didn't know to do this. Or perhaps it's a big conspiracy to stop cheque use? ;-)

jakemuk

which companys do and which dont use transax i had cheque guarantee card i thogutht hey dint use transax only if over that ammount ?

guidel

Hi, Code 4 means that your cheque has been declined from Transax.
Most business use Transax as I do. Most of the time if your account is in order your code 4 become code 1 after you have spoken to them on the phone regarding your cheque.
If you have made many chq in 1 day, it is probable that if the first one is not clear yet they will not accept the others especially for big amounts.

Contact this number : 0800 110 999 and speak to them regarding your cheques.

How does it work?
You want to purchase something between or over the amount of the chq garantee card.
The retailer will call Transax which would agree with the transaction (code1) or not (code4).
It is at the retailer discretion to allow the customer to speak to them in the shop...
Also, Transax might want to speak to the customer to find out why they should process the transaction or not. In that case, the retailer has no option than giving the phone to the person.

I wil post more info today regarding transax.... :rotfl:

jakemuk

its ok all workng fine know

many thanks seems to many cheques outstanding but all cahsed know

Caped_Avenger

rjlawson wrote:

Or perhaps it's a big conspiracy to stop cheque use? ;-)

And not before time!