Tesco taking payment 3 months late - WARNING

Pumba

zenseeker wrote: »

Don't you people ever check your bank statements? You should have noticed that you hadn't been charged back in October.

Yes I do and i was kind enough to inform tesco 7 days after making the purchase that payment had not been taken!!:D And the money was put into a saving account ready for when they were going to take it, unfortunatley nobody was informed when they were going to take it, It just so happened they took it on a day when another large bill was taken, with no chance to get money in from the savings account..:mad:
Also its not just a dot com problem as some people have stated as mine was from instore.

clarew76

I had the same problem and started a thread:

forums.moneysavingexpert.com/showthread.html?t=2152687

Needless to say I got abuse about not checking my bank account .... I came to ask if there was a time limit on transactions going out of your bank - not to get it ripped out of me.

sammylou100

Well I'm glad that starting this thread has helped some people, hopefully after reading it then checking their online banking they got less of a shock than I did!

Mine was an instore purchase aswell.

Guess we just have to wait and see what Tesco come back with because these charges have put a bit of a downer on my pre-Christmas week! :mad:

nellienoo

I for one am very grateful to people who take the time and effort to post warnings and know there are lots of others who are grateful when people highlight issues that may cause us problems.Lets not let the very few who like to think of themselves as perfect :eek:and don't make any mistakes put people (mere humans!)off posting. As I said earlier-with the best will in the world, we all occasionally have an oversight and in some cases ,as in this thread, the company is at fault, not the individual.There are lots of wonderful kind people on here who are sharing information to HELP others. :A

clarew76

nellienoo wrote: »

I sincerely hope you never make a mistake like that. Personally, I think it's easy for even the most diligent person to occasionally make a mistake or oversight every now and then.
Sorry that happened to you sammylou and I think it was kind of you to warn others and remind us to be extra vigilent, especially at this time of year. Have to say it happened to me with £50 of purchases made at Boots. Was busy caring
for ill relatives as well as my 2 children and sorting xmas out and that reciept slipped through the net.Was charged 9 months later! Was a bit of a shocker to find money taken out so late but I know now to try to be extra careful.;)

I agree totally with you nellienoo - I am usually "on top of the game" with my bank account .... I wonder how many of these "perfect" people would be able to be checking their bank accounts every five minutes when they are sat in a hospital with a dying grandmother!!! And to echo nellienoo's thanks to sammylou.

Sol00

clarew76 wrote: »

I had the same problem and started a thread:

forums.moneysavingexpert.com/showthread.html?t=2152687

Needless to say I got abuse about not checking my bank account .... I came to ask if there was a time limit on transactions going out of your bank - not to get it ripped out of me.

I was told by Boots it was 6 months after the date of purchase.

Sol00

savagej wrote: »

Although you have spent the money in this situation as long as the card was not Maestro or SOLO, you can ask for a chargeback.

The retailer has an agreement with the bank. The retailer in this case Tesco asked for authorisation (this only applies were they did and not if the value was below a floor limit) to take money from your account and it was accepted it is "earmarked" because your bank had agreed to pay it out.

However, this authorisation drops off in less than 7 days with Visa and 30 days with Mastercard, as that is the time scale in which the retailer has to file the transaction and take the money under Visa and Mastercard Rules. After that point it is the retailer who is in default of their contract with the bank they use to process their card transactions. Technically any request for a chargeback would be successful, so that would reverse the situation and you would not have received charges.

Your bank did not take off the "earmark" for the good of their health, they did it because they were no longer contractually obliged to pay out the money and under no circumstance is charges for this acceptable (the problem here is front line bank staff dont know this, or will be told to tell you otherwise, but if you push and dispute the matter they will have no choice but to raise a chargeback).

The issue with the 6 year rule is only if they can find you and take you to court. But they would have to ask nicely for the money first as it was their error not yours. As this was an on-line issue they would have your name and address though but I am sure such a large company might write it off than go to the hassle of chasing you for it.

Thanks. I was told the same from Boots when this happened to me. Apparently they freeze £10 from the customer's account to make sure they have this amount and then it is all taken off, usually within 3 or 4 days.

Lil_Ems

Hi

I too have been "hit" by Tesco taking money from a transaction on 24th October - I emailed them and this is the reply that I have just received from from Yvonne Edwards - a Customer Service "Executive"

As you can see, they acknowldge there was a mistake made and acknowldge that they have taken the money under their own terms but the complete disregard of the issue and the brush off of my complaint is unbelievable!

I also was insulted by the sarcastic "apology" as in "sorry you were too thick to realise the money had not been taken from your account".

They do not even apologise for their own mistake!!!!!!!!

I would be interested to hear if anyone else gets a different answer?

Further to my email, I am very sorry to learn the goods you purchased from our Bracknell store in October has only recently been taken from your bank account. I can understand how unhappy you must be, particularly as you have received bank charges as a result of this.

Tesco will endeavour to submit all transactions for processing on the night of sale and generally will debit the card holder within 48hrs (bank working days only).

There is no maximum length of time to take payment, though as a guide we would consider over three days to be late and over 180 days to be old. Whilst we will make every effort to process card transactions within a few days, there are on occasions delays with the collection and transmission of transactions. This is commonly as a result of a minor system issue.

As soon as the issue is identified and rectified we are able to collect the payment data and forward to the banks for processing.

I am very sorry that you did not realise this payment had not been debited from your bank account and as a result of the delayed transaction you have incurred bank charges.

I do hope this clarifies our position on the matter and thank you for taking the time to bring this matter to our attention."

sammylou100

:mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad:

I have just had a 10 minute phonecall from an executive from Tesco head office.

They have told me the same: 'we are allowed to take the payment up to 180 days from when the transaction took place', 'this was due to a technical issue', 'sorry that you did not realise you had been debited'. I told him that it was hard to keep track of £4 from so long ago and he said that my best option would have been to call them when I noticed that the money had not been taken DUH!!! (not sure how they expect me to perfect the art of timetravel!) They have checked with their legal teams and they are not legally obliged to pay for bank charges incurred because they are within the 180 days and they are unwilling to make a goodwill gesture of any sort. I am not really sure that this is going to go anywhere but its so annoying that a week before Christmas I am over my overdraft limit and incurring bank charges!! :mad::mad::mad::mad:

alwaysonthego_2

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