payment ear marked then not taken where do i stand?

fran2491

hi all on the 1st of this month we had to have work done on the car to get it through the mot as a result of this we have been very tight for money,this morning upon checking the bank account i find the money for the work done on the car is back in my avail balance the garage musnt of taken the money! my question is where do i stand now, i was going to borrow money from my mum to get us by till pay day but i dont want to ask if i dont have to,can the garage try to take the payment again? do they need my permission first? will they need to swipe my card again to get payment? also is there some time of time limit for them getting payment? sorry for all the questions any help would be great thanks fran.:)

One_Day_Rodney

You had best ring up or speak to someone in a branch of your bank/buil society and find what has really happened to the money before making any decisions.

ged1980

fran2491 wrote: »

hi all on the 1st of this month we had to have work done on the car to get it through the mot as a result of this we have been very tight for money,this morning upon checking the bank account i find the money for the work done on the car is back in my avail balance the garage musnt of taken the money! my question is where do i stand now, i was going to borrow money from my mum to get us by till pay day but i dont want to ask if i dont have to,can the garage try to take the payment again? do they need my permission first? will they need to swipe my card again to get payment? also is there some time of time limit for them getting payment? sorry for all the questions any help would be great thanks fran.:)

1.yes
2.no
3.no
4.6 years

hippey

This is very common, the merchant will have processed your payment and it could well be somewhere in the system so make sure you do account for it to avoid any nasty shocks when it does come through.

Even if you don't have the funds in your account the transaction will still be debited,

bengal-stripe

fran2491 wrote: »

....can the garage try to take the payment again? do they need my permission first? will they need to swipe my card again to get payment? also is there some time of time limit for them

They haven't taken the payment (yet).

Sometimes payments get delayed (or forgotten), but like that proverbial bad penny, they will turn up. The time limit to claim payment is six months (or more). The payment can go through any day, the company does not need your card or permission again.

Make sure you have sufficient monies in your account.

fran2491

thanks for all the help peeps i think i will give the bank a ring and see what they say we have a overdraft but dont like to use it if we dont have to, so if i dip in to the money a bit it wont be to bad as i have that to fall back on and can get my mum to top it up if needed :beer:

onlypaddy

AFIK, both bengal stripe and ged1980 are right on the time limit.

As i understand it - they have 6 months to take payment with the authorisation number they get when they swipe your card.

After 6 months, they have to make a claim for it as the authorisation number expires. They can do this any time up to 6 years after the transaction

Olipro

All that's happened is the original authorisation the garage obtained has fallen off because they evidently don't book their authorised transactions that frequently.

When they do post them, the authorisation will be re-presented and the money *will* be taken from your account regardless of the state of the balance.