How long does a company have to obtain debit card payment

dthobhani

Hi,

Similar to another thread but not that similar hence I have created a new thread.

I paid for a Hotel transaction by debit card in Feb 2007, this week I received a letter from RBS saying the transaction did not go through as the hotel had issues and are asking for new card details or for me to contact the hotel to take payment on this.

Now what is the legal standpoint on this? I can't believe they have taken a year and half to contact me, and I have now moved jobs so am unable to claim back the cost of the hotel (I was there for business).

Thanks

ShelfStacker_3

They have six years. As you presumably used the services you thought you'd paid for, you now have to pay for them as the payment did not go through.

RayWolfe

dthobhani wrote: »

and I have now moved jobs so am unable to claim back the cost of the hotel (I was there for business).

So, you had a credit card receipt and a settled hotel bill ... but you didn't claim because it didn't appear on your statement? Why not?

Scousebird_2

Technically-the authorised transaction will expire 14 days after validity-then the company will need to submit the transaction again for authorisation, they will need your PIN or will need to over-ride this authorisation by customer to claim the money-should you ever dispute this then the retailer will have the original Merchant Copy of the receipt generated at the time of the transaction for proof so this is always proved when people think they haven't bought something before.

Shelfstacker is right though-the retailer does have up to 6 years because they are allowed to retain the details within that time period-however, the longest time period I have known has been 6 months-but generally 99% of retailers/merchants, will claim when they do their daily/weekly/monthly banking-or certainly if a company goes into administration or does their annual audit.

Redemption

Also, if you do have to pay the amount you too have six years to claim the money from your former employers. Either you are entitled to the money or you are not. Just because you no longer work there does not mean they don't owe you the money

dthobhani

Hey guys,

Thanks for the responses. I'm still in shock that a year and half later they have spotted this. Never mind, I will speak to my former employer and see what HR can. Oh the reason I hadn't claimed is because I was submitting claims based on what I had been charged, and was sending of my statement as evidence of charge.

I just read what I wrote - yikes I sound so dodgy, I must stress this was not a question because I didn't want to pay!

Thanks!