car purchase

muddypaws2807

Hi

I needed a more practical car, so basically found one I wanted but had ti stump up a deposit of £870.00 no problem. I got home and transferred my money into my current account and then called the dealership to make the paument, no problem. The sales guy then said it had been declined and I said thats not possible as I am looking at my account online and £870.00 has been taken out. he said nope it has not gone through and I had to call my bacnk which I did. They confirmed it had gone out and they gave me an authorisation code which I advised the car sales guy. he checked with his accounts dept who said it still had not arrived in their bank. by this time the sales guy was !!!!ing me off with all short of sales bumf, he said not to worry sometimes it happens. My question is, if this money does not appeard (used my debit card as I have no credit facilities) who is responsible bearing in mind he used the credit/debit machine to take the money and its gone out of my account and I have this authorisation number?

Mark_Hewitt

Did your bank tell you where the money had gone?

muddypaws2807

To be fair I did not ask, all I asked was to confirm it had left as the sales guy said my card had declined. I think he may have not quite taken the payment correctly, just looked at my account again and it still says 2k available to spend 1130 but it does NOT say the name where it has gone to so I am guessing its "between" banks.

What he did say was that it cannot go anywhere accept back into my account or into the Car Dealership account. I am guessing as it is a debit ccard it would take 3 days to clear?

Anihilator

The money hasnt left your account. Its is reserved for an authorisation. This happens sometimes and the money will be unreserved although this can take a while.

It may be a genuine case of their system is showing it as declined. Ask for it to be reversed off and try again. They will need to actually reverse it though their merchant bank. Dont be fobbed off by waiting for it,