HELP!!! Asda have charged me for petrol 2 months late!!!

dzug1

streethawk101 wrote: »

Maybe, but this slipped by me, i have a lot of fairly small transaction like these amounts. I think its a pretty awful way to treat your customers.

So how would you treat them? Not bother collecting the money at all?

They have no way of contacting you to warn it's happening.

Unfortunately if you don't bother to keep close track of your bank account things like this can creep up and bite you.

G-G_4

I'm not one of these angels that checks off every single thing I buy against my statements.. so I really do feel sorry for you as you probably expected that money to have come out of your account ages ago..

Why do people have to instantly slate someone for not checking their account properly.. in this day and age there are hundreds of transactions a month on your account, and some people simply do not have the time to check everything off like an accountant..

Stop being so hard on him.

markelock

Ring up your card company and ask ASDA to prove it was you that spent the money.

I had one 6 months late from a n other company, and questioned it.

dzug1

G-G wrote: »

I'm not one of these angels that checks off every single thing I buy against my statements.. so I really do feel sorry for you as you probably expected that money to have come out of your account ages ago..

Why do people have to instantly slate someone for not checking their account properly.. in this day and age there are hundreds of transactions a month on your account, and some people simply do not have the time to check everything off like an accountant..

Stop being so hard on him.

No I'm not being hard on him. It's a perfectly valid decision not to check everything off on the grounds that you do not have time.

I'm pointing out that that decision is not one-way - it has a consequence. Knowing and accepting that consequence should be part of the decision making process.

Markyt

As to the above, even Natwest checked before I closed the account to ensure there were no due or pending transactions. There weren't - money hadn't even been reserved, let alone requested. This is a serious system flaw.

iolanthe07

I find Microsoft Money very good (there are probably lots of programs like it) because you can keep a daily track of every transaction. Thus, this money would have gone out of your 'virtual' account, even if it had not had gone out of your real one, and the problem would not have arisen.

soolin

markelock wrote: »

Ring up your card company and ask ASDA to prove it was you that spent the money.

I had one 6 months late from a n other company, and questioned it.

Hardly useful is it?

OP admits buying petrol why on earth would she wish to deny it later and cause herself problems.

When we use debit or credit cards we authorise them to take a payment, however nowhere on that authorisation does it state that they are required to do so within a certain time frame.

Inactive

Easy cure, pay cash, I do.;)

carol_a_3

I have one of those little old fashioned red cash books (pocket size) everytime I spend anything or pay anything in I enter it in the book and deduct it from my running total balance, tick the receipt to show it's entered and then file receipt away (in the bin if you want)

Next to the transaction in my little book I put o/s for outstanding. Then, when I check my statements or online, when the item appears I cross out the O/s, or tick it or whatever to show it's gone through. That way I always know the minimum that I have in my account and any extra in there for items pending is gaining interest but not tempting me to spend it.

Sad maybe but effective. I would second ringiing the bank and begging to get the charges reversed, plead ignorance. I used to work in a bank too, old habits die hard!!

maniac886

This has happened to me before.

Basically when the transaction takes place the money is taken out of your available balance, however if the company does not claim the money off the bank after a certain number of days the money is put back into your account until the company reclaim it.

Luckily I check my statements online quite often so knew the money was gonna come out of my account eventually..which it did, three weeks after the transaction was made.

Best bet is to politely ask your bank to refund the charges.