Charged twice Help please!

Mightyowl

Hi everyone

I have just checked my balance online and was shocked to see my account was overdrawn by £60. I rang the bank to see what the hell was going on as i still had £40 cleared balance in my account this time yesterday. I was informed that a company i purchased something from last Friday had tried to take the payment twice. NOT HAPPY, FUMING AT PRESENT!

Barclays said that i need to contact the company so they can cancel the charge they are attempting to take again. I have tried contacting them but they are closed now, just my luck! Sometime tonight my wages will be paid into my account, will Barclays then pay them this money AGAIN?

Thanx in advance

Lokolo

Of course they will. Why wouldn't they?

Mightyowl

Is there anyway i can cancel it then?

Lokolo

Mightyowl wrote: »

Is there anyway i can cancel it then?

Yes contact the company.

If you get charged bank charges I would write a complaint to the company asking for money to cover these costs.

Mightyowl

Have already done that and this is what they are saying,

We have nothing to do with the transaction at all, we have no access to your card details. You do the transaction with Sage and we get the order if it goes through, the same is true of PayPal. I would ask your bank to clarify the situation with the information I have just given you.

Mikeyorks

You say 'charged twice' in the heading. But then go on to say

i need to contact the company so they can cancel the charge they are attempting to take again

..... which is it? If it's just that there's an identical sum missing from your 'available' .... then the likelihood is that only the correct sum will be debited. It happens, relatively infrequently, that something goes wrong with a transaction and the amount is 'reserved' twice. But, normally, only taken once.

If the extra restriction in your 'available' is causing you problems .... contact the merchant and ask them to neutralise the phantom transaction via their merchant acquirer. Your bank will return it to 'available' within 7/10 days .... if it doesn't materialise as a debit from the merchant.

Mightyowl

When i first rang Barclays the lad who didn't seem to know how to access things or couldn't be bothered! told me it looks like they are trying to charge your account twice, hence the title of the thread!

I just been on the phone with Barclays (third time tonight) for over half an hour and they seem as baffled as i am! He said not to worry about it at present and it will probably sort it's self out later tonight, and if not to ring back tomorrow to dispute it.

Why does it take so long for it to show on your statement? purchased this last Friday 1st of May but it's showing on my statement as the 7th of May

Mikeyorks

Doesn't really take us forward?

So - is there one existing debit actually showing on your account for £nnn .... and an identical amount missing from 'available' (but not on the account)?

Mightyowl

He told me the money was taken out of my account and put aside on the 1st! It's showing on my online statement as cleared and taken on the 7th May.

He then went on to say i still have a pending payment for the same amount, and that is why my account is overdrawn.

I forgot to mention i reported my bank card as lost on the 4th of May so my bank card was cancelled they're and then, this couldn't have caused the problem could it?

Mikeyorks

If it's 'pending' ... then your account can't be overdrawn (at least not because of that value), as the funds haven't come out yet.

And if the 'real' transaction debited on the 7th .... then it's unlikely the pending one will materialise at all, if it's exactly the same value. It's a 'phantom' transaction caused by a problem when the original was processed. So unlikely to be related to your card going AWOL.

To get rid of the 'phantom' you either need to contact the merchant involved (they can't say it's nothing to do with them .... they employ whoever takes their card payments). Or wait a few days and Barclays will simply remove it from 'pending' - when it doesn't materialise as a real debit.

Mightyowl

Fingers crossed that when my wages go into my account tonight, it won't authorize the pending payment

Thanx again mike