Undercharged but money later taken?

ccygirl

They are not allowed to do this. Contact your bank and dispute the transaction. You will receive a refund. even when it is an error they are not allowed to use your card details without your knowledge or authorisation, if they can't prove they have it the transaction will be chargedback to them.

Greatgimp

ccygirl wrote: »

They are not allowed to do this. Contact your bank and dispute the transaction. You will receive a refund. even when it is an error they are not allowed to use your card details without your knowledge or authorisation, if they can't prove they have it the transaction will be chargedback to them.

This is one to remember for the future, you never know. Is your opinion based on cold, hard facts?

blue_monkey_2

OK, Just a quicky as I have people arriving soon for a party (killing time!!) Here is the Wiki but google PCI DSS Compliancy and you'll find more info. I have been told that there are rules and that I cannot hold cardholder details, hence once the transaction has been processed they are deleted from my system - even though I have a firewall and the information is encrypted.

http://en.wikipedia.org/wiki/PCI_DSS

blue_monkey_2

splishsplash wrote: »

I also run a business where I process card transactions, but I am required to hold paper records of each transaction for a minimum of two years . That is my copy of the transaction, complete with customer card details, name and expiry date. I wonder if it depends who your service provider is? In any event, I would never access card details to take an unauthorised amount later.

I do not do this, I have the sale noted in the cash book and also on Sage which then ties up with my bank reconciliation, I keep the dockets for 2 weeks and the only reason for this is because if people need a refund I need to refund back to their card. I am currently considering other options such as refund by cheque as I am not happy keeping card details - I keep them in a locked combination safe - but I am trying to find if there is another way around this (hence my questioning whether I could keep the card details within my SSL server). I am considering Protx as well because then Protx are responsible not myself, but I would certainly not keep them for 2 years as I'd be overflowing with them and the fines are too high should anything happen. I am confused as to why you would keep them for this length of time as your cash book detailing the sale and buyer, along with the website transctions detailed by spreadsheet that has the date of sale, items bought, customer etc... I can see no need to keep anyones card details other than to refund. I give a 14 day money back guarantee after this the details are shredded.

Also, within that 2 years a card could expire so it is not like you need it for any reason. I am honestly intrigued as to who has told you that you need to keep them for 2 years and for why. You should however keep all your records (Sales/Purchase ledgers/Cash Books/Bank Statements/etc..) for 6 years, not 2.

jonesMUFCforever

geordie_joe wrote: »

Be my guest.



You missed the point.

The point is......The OP handed over their debit card details to a company in payment for goods/services. The company took the payment, and I don't care if it was the right amount or not, but at a later date they took more money from the card.

Does this mean that once someone has your debit card details they can take whatever they want from the card whenever they want??

The OP authorised one payment and the company was able to take two!!!

Does this mean that whenever you give your card details you are not authorising that one payment, but giving the company authorisation to take whatever they want from your account..



No, but could the OP then take the money out of the company's account without the company authorising the transaction.

The post wasn't about paying the correct amount, it was about a company taking money from the OP's account without authorisation!!

Geordie joe I think it is you who is missing the point.
The goods purchased came to £54 - the debit or credit card used is means to pay the bill - no more no less.
In this instance they have corrected their mistake (and yes if it was the other way round I would have expected them to refund).
How on earth are they suppose to 'contact the customer' to get authority to take the rest - what if the customer says no?

Let OP complain all he/she likes - these boards are for money saving not scamming.

To summarise he bought goods for £54 he paid originally £45 and the shop took additional payment of £9 to balance the books - result OP has lost nothing and has no case to complain.

Indeed I would ask why he did not go back to shop to state that he had underpaid.

jonesMUFCforever

ccygirl wrote: »

They are not allowed to do this. Contact your bank and dispute the transaction. You will receive a refund. even when it is an error they are not allowed to use your card details without your knowledge or authorisation, if they can't prove they have it the transaction will be chargedback to them.

Sorry but you are wrong.
The debt was for £54 and they will be able to show the bank, till recepits for that amount and the 2 debit/credit card transactions.
There is nothing to dispute here.

djohn2002uk

Quite a few have said that the OP only authorised a payment of £45.
That is totally wrong. She saw the price of the goods as £54 and agreed to pay that amount and offered her card and entered the pin as authorisation for the seller to take £54 from her account. She admits she thought she had got away with it but she didn't.
I agree with jonesMUFCforever, (though not his nick Arsenal 2 MU 1), this is a lot of fuss because the OPs gain was sussed.
And I have got the gist of the thread though I think it's a smoke screen.

geordie_joe

djohn2002uk wrote: »

Quite a few have said that the OP only authorised a payment of £45.
That is totally wrong.

No, the OP authorised the company to take one payment, they then went back at a later date and took another payment.

YES, it was rightfully theirs, but they should not have been able to just take it from the OP's bank account.

The point is that this company can take money from the OP's bank account whenever they want, without the OP's authorisation. The only thing stopping them doing it is the company's honesty.

The point of this thread is not how much the OP paid, or should have paid, but the fact that once you authorise a company to take a payment from your bank account they seem to have the means to take money whenever they like.

ispartacus75

I love the fact that people are jumping on the fact that the original paymetn was for £45 and seem to think the OP 'tried to get away with it'. And yet seem to cpmpletely ignore the fact that the vendor has obviously stored and reused the OP's details AFTER the original transaction has been made.

Out of interest, how many people remember those signs behind counters that used to say 'check you change as mistakes cannot be rectified'. Yet it doesnt work the other way around?

Personally I am very vigilant when it comes to making debit card payments, only the other day in B&Q Cafe the amount that the cashier entered into the chip and pin machine was more than the advertised price of the coffee I was buying. If I had not noticed it at the time what do you think my chances would have been of going back 3 weeks later and saying 'you overcharged me, give me my money back?'

geordie_joe

jonesMUFCforever wrote: »

Geordie joe I think it is you who is missing the point.
The goods purchased came to £54 - the debit or credit card used is means to pay the bill - no more no less.
In this instance they have corrected their mistake

What mechanism is in place for the bank to verify that it was a mistake.

As far as the bank is concerned someone authorised a payment to be taken from a bank account, that payment was taken. At a later date they then asked to take more money from the account and the bank just let them take it.

How would you feel if you bought an item for £100, paid by debit card. Then a month later the shop doubled the price of that item and took another £100 from your bank account, saying "sorry, the price you paid was a mistake, so we took the extra from your account".?