problem with debit card payment

werzel

hi there i have a problem. i orederd some heating oil for our house online on the 26th april. i payed by visa debit card and recived an email excepting payment. a few days later i checked my account and the money hadnt been taken. the oil arived on the 6th may with pre payment recived on the delivery note. i then thort they must have taken the money and as i made alot of payment to things i decided i must of just missed it on the statement. they then took the money out of my account on 8th may. what are my rights as i spent any funds in my account beleiving it was mine and i thort when you pay for things over visa debit card they have some sort of gaurantee the payment will be taken withen a certain amout of time? do i have any rights for complaint or is it just all my fault? any help would be great thanks!!:beer:

Bloomberg

werzel wrote: »

hi there i have a problem. i orederd some heating oil for our house online on the 26th april. i payed by visa debit card and recived an email excepting payment. a few days later i checked my account and the money hadnt been taken. the oil arived on the 6th may with pre payment recived on the delivery note. i then thort they must have taken the money and as i made alot of payment to things i decided i must of just missed it on the statement. they then took the money out of my account on 8th may. what are my rights as i spent any funds in my account beleiving it was mine and i thort when you pay for things over visa debit card they have some sort of gaurantee the payment will be taken withen a certain amout of time? do i have any rights for complaint or is it just all my fault? any help would be great thanks!!:beer:

I think that it is advisable to use a credit card for all purchases, they offer far more protection than a debit card. Card purchases can sometimes be delayed and I do not think that complaining will achieve much. Good luck any way.

dzug1

Sorry - it was just all your fault.

There is no guarantee with a debit card (or a credit card come to that) that payment will be taken in a set period.

I would expect they actually took the money on 6 May just prior to delivery and that it hit your account on the 8th

Inactive

werzel wrote: »

hi there i have a problem. i orederd some heating oil for our house online on the 26th april. i payed by visa debit card and recived an email excepting payment. a few days later i checked my account and the money hadnt been taken. the oil arived on the 6th may with pre payment recived on the delivery note. i then thort they must have taken the money and as i made alot of payment to things i decided i must of just missed it on the statement. they then took the money out of my account on 8th may. what are my rights as i spent any funds in my account beleiving it was mine and i thort when you pay for things over visa debit card they have some sort of gaurantee the payment will be taken withen a certain amout of time? do i have any rights for complaint or is it just all my fault? any help would be great thanks!!:beer:

Your fault I'm afraid.

You need to manage your finances better.

WTTM

Inactive wrote: »

Your fault I'm afraid.

You need to manage your finances better.

Agree, totally your fault.

Manage your finances and don't blame others.


MOMENT

Material_Girl_2

I have to agree with all the others, you should have checked your statment before spending the money. Just let it be a lesson to you to always, always, check your balance and don't spend any money that is earmarked for something else. That may save you a lot of money in the future in overdraft charges.

I believe that a company has years to debit money that you owe them from your account (altough I guess usually it would never take more than a few months at the most).

MacsReturns

One other thing to remember, when you order stuff online, they're not supposed to take payment til the goods are dispatched, so if delivery takes a while, then so will the payment (as long as they abide by the Distance Selling Regs ...).

I'm afraid this time you'll just have to put it down to experience and take your lumps.