Money missing from my account!

redgemini

Anniek1969 wrote:

Another strange thing happened to me at the beginning of this month. I had 2 standing orders due out of my account on the 6th of the month, only totalled £25. I checked my online banking on sunday 5th and found that both these standing orders had came off, they weren't just pending they were actually showing on my statement as cleared but the date beside them was 6th.

I phoned the bank and the girl was absolutely useless, she said that sometimes when standing orders fall on a weekend they sometimes come off early, I tried to explain to her that they were not due on a weekend they were due on monday and they were not pending they had cleared and were showing tomorrows date. She didn't see what I was bothered about but I tried to explain to her that had I needed that money from my account I could no longer use it as it had come off the day before it was due. My family allowance was going in on monday and if I had been counting on that to cover these standing orders I would then have been overdrawn on the sunday.

Never heard of a standing order or direct debit coming out on a sunday but especially since they weren't due to be paid till the monday.

This wasnt LloydsTSB by any chance? That has happened to me - the trick to get this sorted is to phone your branch (the next day if its a sunday) they can sort it for you whereas the call centres can't - I had this happen - I can't remember the explanation given - but I agree that it's stupid! How can something clear your account on a non banking day?!

Pigeongirl

Thanks to everyone for all your help - you are all marvellous! :j

I wrote an email to Tesco querying the missing £2 and this was their reply (just in case you interested):


Thank you for your email.

I sincerely apologise for the delay in responding to your query.

I would like to explain that this is an amount that is reserved against your
payment card at the time you submit your order. It is done to ensure your
details are correct and the payment card is valid.

The £2 is never debited and will be available again in your account within 3 to
5 days of the transaction. The actual time this process takes will depend on
your card issuer.

The payment for your grocery order is debited separately on the day of delivery.

I hope this information is helpful.

So there we go! Do wish they would warn you that they are going to do this though! :mad:

amosworks

Why don't they take the full order - £2 when completed to save the hassle?

Only the people with declined cards would be due the £2 back then.

Tesco = idiots

redgemini

Oh - and I now have 59p missing from my Lloyds account - I'm fairly sure that I would remember paying for something on my debit card for 59p...... Still I'm sure it'll turn up!